Bariatric procedures are essential for significantly overweight people who have failed to lose weight despite all efforts. Such surgery can change lives and also reduce risks of health problems related to body weight, such as high blood pressure, sleep apnea, and type-2 diabetes. However, bariatric procedures can be expensive.
United Medical Credit offers financing options for different types of bariatric procedures such as LAP-BAND surgery, gastric bypass, mini-gastric bypass, and adjustable gastric band placement. The finance company offers loans for such procedures of up to $35,000 with additional benefits like:
- Affordable schemes of the monthly payment
- Competitive rate of interest
- No penalty for prepayment
- Multiple term plans of the loan amount for ease of payment
- Options for interest-free financing
United Medical Credit takes the responsibility of connecting customers to medical lenders, which permits the former to pay off their medical bills in due time.
United Medical Loan from United Medical Credit
Classically called a network of medical loans, United Medical Credit connects customers with financial institutions or lenders that can finance healthcare bills. Users can apply on the website, seeking a loan between $1000 up to $35,000. The process is extremely beneficial if users are considering multiple lenders in one application. However, the only shortcoming is that there is no transparency in this process as you are not applying to the lender directly.
Covers Several Medical Procedures
United Medical Credit finances different types of medical procedures including fertility treatments, plastic surgery, and bariatric procedures.
However, likely, your present doctor has already worked with one of the leading partners of United Medical Credit to make sure you qualify. You cannot have access to this information before applying as the website does not list participating providers and practices.
Accepts Candidates with Varied Credit Profiles
To get any loan, it is very important to have a good credit score. However, in this case, you need not have a perfect credit score. The company maintains that anybody can qualify with subpar credit or even no credit. Minimum requirements to obtain credit differs from one lender to another.
Candidates having bad credit may have to bear a higher rate of interest. With United Medical Credit, you can apply with another co-applicant to ensure you qualify for the loan at a lower rate of interest.
Lacks Transparency
United Medical Credit does not share the interest rates of their lending partners before people apply for a loan. As such, it would not be easy to gauge the final costs of personal loans available through the sites, candidates must apply for the same. The competitiveness is unpredictable unless candidates apply for the same.
When candidates apply, they generally get a response within 24 hours or the next business day.
United Medical Credit Loans At A Glance
If you want to apply for an emergency medical loan through the United Medical Credit, here’s what you should know:
- Lenders Check Credit History: Before you apply, you have to grant permission to the company to pull your past credit history. It may affect credit scores as the inquiry is usually hard.
- Funding: When you loan, the lending partners of United Medical Credit may disburse funds to the medical provider directly for payment or they may give the money to the candidate to manage the bill.
- Full Amount May Or May Not Get Approval: Even if a person is eligible or qualified for the loan, the amount may not be as much as requested. You have the liberty to decide whether you want to accept their offer or not.
Some candidates want to spread out their payment for medical procedures. In such cases, applying for United Medical Credit can be the best option. However, as potential fees and rates of interest are not posted on the website, candidates may want to consider various other options such as medical credit having a lower rate of interest or healthcare lenders with transparent terms.
Before you seek financing, discuss your options with the doctor to see whether you can have an installment plan for payment and avoid the loan. Some healthcare facilities and hospitals provide financial assistance to help patients cover expenses of the procedure.
Ratings & Reviews
United Medical Credit has received a 4.8-Star rating in Google and positive reviews in both Google and Yelp.
Patients who used their services for bariatric procedures have highly recommended the process because it is responsive. Many patients have also revealed that they want to refer their friends and family to the group because it is pleasant, fast, professional, and active. Prompt response is the most important factor in this group. Moreover, the staff is helpful and knowledgeable at the same time.
Customers also reported that Gina, an active team member, reported to all the necessary questions and behaved well with them. Moreover, the process of application and approval is very simple, and the loan is available easily to patients.
2100 Main St #350, Irvine, CA 92614
(855) 503-1800
https://www.unitedmedicalcredit.com/
