LOOKING FOR SOMETHING?

Frequently Asked Questions

LOOKING FOR SOMETHING?

Frequently Asked Questions

Founded in 2011, we are a financial technology company formerly known as United Medical Credit and United National Credit. In 2022, we became United Credit to align with our mission to provide highly personalized expert service along with the market’s best financing and payment solutions to those who trust us with their credit needs.

We work with consumers to help them secure the financing they need for medical procedures and major purchases. We work with merchants and medical providers to bring financing solutions that help them grow their businesses and serve their customers and patients.

United Credit helps consumers with a wide range of credit scores apply for financing, meaning we connect more people like you with the loan you need. We are not a credit card; instead, we are a gateway to installment loans and other financing options with affordable interest rates and payment terms best suited for your credit profile. Loans from our lender network vary based on your credit application.

Each of our lending partners has unique requirements and takes multiple factors into consideration, including but not limited to income, credit profile, and outstanding debt balances. In many cases, all you need is a valid ID and a verified mailing address for pre-approval.

After you complete an online application, we will submit it to our lending partner network to match you with the best financing option based on your application details. If you qualify for a pre-approval, you will receive a financing option within minutes (or up to one business day) after the application is submitted.

If your application is matched with one of our lending partners, we may contact you to review the terms and conditions. Once the terms are accepted and any stipulations are provided, our lending partners will disburse the funds you have requested.

Once your loan is approved, you’ll work directly with the lender to make payments.

The exact terms of your loan will be determined by your lender. However, most lenders require payment 1 month after purchase.

Ready to discover affordable payment options for your purchase?

Ready to discover affordable payment options for your purchase?