Have Questions?

MedSpa financing lets patients pay for aesthetic and wellness treatments over time through manageable monthly payments instead of paying the full cost upfront. With HFD’s MedSpa patient financing, clients complete a short application, receive personalized payment plan options in minutes, and select a plan that fits their budget, whether they’re financing a single treatment or a bundled aesthetic package.

HFD financing can be used for nearly any aesthetic or cosmetic service a MedSpa offers, including injectables like Botox and dermal fillers, laser skin treatments, body contouring, microneedling, chemical peels, CoolSculpting, hair restoration, and ongoing treatment memberships or packages. Since most MedSpa services are elective and not covered by insurance, financing gives patients a practical way to access the care they want.

No. HFD’s application process uses only a soft credit check, which never impacts your credit score—whether at the time you apply or when your financing is finalized. This differs from financing options that perform a soft check upfront but switch to a hard credit pull once funding is approved. Learn about this in more depth here. 

Most likely, yes. HFD maintains an approval rate exceeding 99%, with underwriting that looks at far more than a credit score alone. This allows MedSpa providers to confidently offer financing to nearly every client, regardless of credit history or financial background. Only a few exceptions apply, such as an active bankruptcy or placement on a government watchlist.

Yes. HFD allows patients to finance up to 100% of their treatment cost, including higher-ticket procedures, multi-session packages, and bundled service plans. This makes it possible to move forward with comprehensive aesthetic treatment plans without a large upfront payment.

The application takes just a few minutes to complete from any mobile device, and most patients receive an instant decision. Once approved, clients can immediately review their available payment plan options and choose the one that best fits their monthly budget.

Yes, for approved patients. 0% APR financing means clients pay only the cost of their treatment with no added interest, which can make higher-cost procedures like body contouring or comprehensive injectable packages significantly more accessible. Read more about how this works in our 0% APR financing guide.

Yes. Financing works especially well for MedSpas offering treatment packages, memberships, or ongoing aesthetic plans, since it allows patients to commit to long-term services while spreading the cost into manageable monthly installments rather than paying for each visit individually.

Credit cards typically carry high, variable interest rates and add to your overall credit utilization. HFD’s MedSpa financing offers fixed monthly payments, clear repayment terms, and—for qualified plans—0% interest options, all without hidden fees or confusing rate structures. It’s purpose-built for healthcare and aesthetic spending rather than general retail purchases.

MedSpa practices that partner with HFD receive payment within 2–3 business days of a patient’s approval and acceptance of their payment plan, helping practices maintain steady cash flow without waiting on installment collections.

HFD financing is only available through participating providers. If your MedSpa doesn’t yet offer HFD, you can recommend the partnership. Visit our patients page to learn how to suggest HFD financing to your provider, or have your MedSpa explore provider benefits directly.

Many financing companies limit approvals to patients with strong credit, or use deferred-interest structures that can lead to surprise charges if a balance isn’t paid off in time. HFD takes a different approach: a soft credit check only (never a hard pull at any stage), approval rates exceeding 99% across credit profiles, the ability to finance up to 100% of treatment cost, and 0% APR options available to every approved patient—not just those with prime credit. Combined with fast funding for providers and no partial approvals, HFD is designed to remove financial friction from the aesthetic treatment decision rather than add to it. To see the full range of provider benefits, visit our providers page.