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Patient Financing for Aesthetics

Confidence,
financed.

99%+ patient approval and transparent terms, including 0% APR options, for the treatment plans your patients already want to say yes to.

Med Spa Plastic Surgery Dermatology Hair Restoration
Aesthetic treatment in progress
99%+
Patient approval rate allowing you to provide a plan to nearly every patient.*
~3 Min
Application time. Soft pull only. Never a hard check, even at funding.
0% APR
Plans available for all credit profiles.

Top Aesthetic Practices Use HFD

LaserAway
Milan Laser Hair Removal
Sono Bello
AirSculpt
Bosley
Why HFD

Built for how aesthetic practices actually sell.

Provider and patient reviewing a treatment plan

Real approvals, not maybes

Your patients don't want to hear "let me check." At 99%+ approval*, nearly every consult ends in a plan, not a decline that sends them looking elsewhere.

A human on the line

Every practice gets a dedicated point of contact and in-office team training at onboarding, not a ticket number.

Priced for the plans you sell

Elective, higher-ticket, patient-experience-driven. Plans can cover up to 100% of a treatment cost, including bundles and memberships, with nothing due upfront.

No risk to your practice

HFD carries the credit risk, the collections, and the paperwork, not you. No chargebacks landing back on your books, no extra admin lift.

What We Finance

Built for the full range of aesthetic care.

Skin Rejuvenation & Anti-Aging
Laser & Energy-Based Treatments
Hair Restoration & Wellness
Treatment Packages & Memberships
The Difference

Why practices are switching to HFD.

HFD
Others
Approval Rate
99%+, across every credit profile.
Often far lower, or optimized for only prime credit.
Hard Credit Check
Never. Not at application, not at funding.
Common, especially once funding is issued.
Full Treatment Coverage
The large majority of the time. Built to close the gap, not leave one.
Often partial, leaving a balance due at checkout.
0% APR, Any Credit Tier
Yes, regardless of credit profile.
Usually reserved for top-tier credit only.
Real Human Support
A dedicated point of contact for your practice.
General support queue.
Built For Aesthetics
Priced and structured for elective, higher-ticket care.
Often adapted from another category.
Partner With HFD

Let's build your practice's plan.

Bring HFD to My Practice

Ready to offer patients more approvals and bigger plans? Talk to an Aesthetics Rep and get your practice onboarded and trained, often in as little as a day.

Book a Demo

Explore an Industry Partnership

For manufacturers, associations, and larger platforms looking to build patient financing into your program at scale.

Schedule a Meeting

Refer a Practice, Earn Up to $2,000

Know a practice that deserves better financing? Send them our way, and get paid when they use HFD.

Refer a Practice
Frequently Asked Questions

Questions practices ask us first.

What types of aesthetic treatments can be financed?

Skin rejuvenation, laser and energy-based treatments, hair restoration, and full treatment packages or memberships.

Do patients need good credit to qualify?

No. HFD approves 99%+ of applicants across all credit profiles, not just prime and near-prime borrowers.

Does applying impact a patient's credit score?

No. HFD uses a soft credit pull only. Never a hard inquiry, at application or at funding.

How fast does funding arrive?

Approved funds typically reach your practice's account within 2–3 business days.

How long does the application take?

About 3 minutes, from any mobile device, sent to the patient by text or email.

Can patients finance the full cost of treatment?

In the large majority of cases, yes. HFD is built to approve the full treatment amount, including bundled packages, with nothing due upfront.

What credit tiers qualify for the 0% APR option?

0% APR options are available across credit tiers, not reserved for top-tier applicants only.

How does offering financing help grow my practice?

Price stops being the reason a patient says "not today." Practices that offer financing consistently see higher treatment-plan acceptance across every specialty HFD serves.

Ready to grow your practice with better financing?

See how offering flexible, high-approval financing helps you increase bookings and treatment acceptance across every service you offer.

Request a Demo

*Applicants may be declined financing with any HFD program due to an association of an open bankruptcy, government watchlist, or inability to properly identify a debtor. Underwriting considers multiple factors beyond credit score. HFD's Bank Loan Program is issued by Hatch Bank, a California-chartered industrial bank.