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Consumer Terms and Conditions

UPDATED: April 18, 2024

Please read this information carefully and print a copy and/or retain this information electronically for future reference.


You are submitting a request for credit pre-qualification for a participating (or future participating) provider (“Application”) from United Medical Credit, Inc. DBA United Credit (“Us”). We can only give you the benefits of our on-line service if you consent to the use or acceptance of electronic signatures and to the use or acceptance of electronic records or disclosures in this transaction (“Your Consent”). By completing and submitting the request for credit pre-qualification on-line, you acknowledge receipt of this document and consent to use electronic signatures and to conduct this transaction by use of electronic disclosures and contract documents (“Records”).

Electronic Communications

You may request a paper copy from Us of any of the Records by writing to Us with the details of your request at: Your request for paper copies may be made after Your Consent and after any withdrawal of Your Consent. We will provide the paper copies to you at no charge. We shall retain the Records as required by law.

Consenting to do Business Electronically

Before giving Your Consent, you should consider whether you have the required hardware and software capabilities described below.

Scope of Consent

Your Consent and our agreement to conduct this transaction electronically apply to all notifications, disclosures, and/or documents sent by United Credit. By exercising Your Consent, We will conduct this transaction with you electronically.

Hardware and Software Requirements

To access and retain the Records electronically, you will need to use a device with Internet access and an Internet Browser that meets the following minimum requirements. Microsoft Internet Explorer 6.0 or later versions, Edge, Google Chrome, Mozilla Firefox, and (Safari 1.1 for Mac users). Also, the specific Internet Browser must support at least 128-bit encryption. To read some documents, you will need a PDF file reader like Adobe Acrobat Reader. If at any time during this transaction these requirements change in a way that creates a material risk that you may not be able to receive Records electronically, We will notify you of these changes.

Withdrawing Consent

You are free to withdraw Your Consent at any time and at no charge to you. If you do withdraw Your Consent prior to receiving a payment plan from your Merchant, this will prevent you from obtaining a payment plan with Us over the Internet. If at any time you wish to withdraw Your Consent, you can send us your request by email to: If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Records will not be affected.

Change to Your Contact Information

You should keep us informed of any change in your electronic address or mailing address. You may contact Us by e-mail at regarding any such changes.

Your Ability to Access Records

By typing in your name above, you acknowledge that you can access the records in the designated formats described above.


You acknowledge that you have read the information about electronic signatures and doing business electronically in this consent for electronic records. You consent to using electronic signatures, having all records provided or made available to you in electronic form and to doing business with us electronically. You acknowledge that you may request a paper copy of the records, which we will provide to you at no charge.

Rates & Fees

Please remember that United Credit is not a lender and does not provide lending services directly to consumers. United Credit assists consumers with setting up a payment plan through their provider. The Truth in Lending Act requires that all fees and interest rates that you will incur are disclosed if you accept the terms of the payment plan. Thus, all fees and interest rates will be disclosed to you before you are asked to sign the payment plan documents. Please review the fee and rate information provided to you thoroughly and completely before agreeing to the terms of the payment plan. You are under no obligation to accept these terms. If you decide the terms that your provider has given to you are acceptable, United Credit will direct you as to how to e-sign for your payment plan.

The fees and interest rates are determined solely by your merchant, provider or lender, with specific amounts determined based upon the information you submitted. You are under no obligation to continue with the payment plan process if you find these terms are unsuitable.

Applicant Age

Due to lender policies the person who is receiving the services is required to be listed as the main applicant if 18 years of age or older. If you believe the person who is receiving the services has non-qualifying credit, an option to add a 2nd applicant is provided at the end of this application. Funding may be canceled or declined if the person receiving the services is over the age of 18 and is not on the application ­(if the person receiving the services is a minor, please list the minor’s legal guardian as the primary applicant).

SMS Terms and Conditions for Application Alerts

The United Credit SMS alert program sends text reminders regarding the status of an applicant’s application throughout the process. United Credit is not responsible for any charges from a person’s service provider that may result from us providing this service. It is the applicants responsibility to check with their individual carrier, as standard messaging and data rates may apply. United Credit assumes no responsibility for charges incurred by our text messaging service.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.