Have Questions?

HFD helps you pay for your healthcare costs over time while getting the service you need today. We work with your healthcare provider to set up easy, secure installment agreements. We service these agreements so your healthcare provider can focus on care. 

Please call your healthcare provider to discuss any refunds or adjustments to your plan. Your provider will instruct HFD to refund any payments you may have made. If you are having issues reaching the provider, please don’t hesitate to reach out to our team at HFD and we will also reach out to the provider on your behalf. 

HFD is here to help you. If you need to change your payment date, or pay off early, or discuss another arrangement, please give us a call at 877-874-3877 Monday-Friday 8:00am-11:00pm EST and Saturday 9:00am-5:30pm EST. Our agents are standing by to give you the assistance you need.  

Please call your provider first to resolve any concerns with the care or product.  Your provider will let HFD know if your financial agreement needs to be updated or cancelled. If you are having issues reaching the provider, please don’t hesitate to reach out to our team at HFD and we will also reach out to the provider on your behalf.  

There could be fees associated with your agreement. Fees vary by provider, state, and agreement type. Fees are described in your Retail Installment Agreement. Some examples of fees that could be charged are late fees, non sufficient funds (NSF), or credit card processing fees. If you feel like fees were charged in error or you don’t understand them, please reach out to us at 877-874-3877 Monday-Friday 8:00am-11:00pm EST or Saturday 9:00am-5:30pm EST.

Your agreement with HFD allows us to debit recurring payments until your procedure cost with appropriate interest is paid off in full. If for any reason you miss one of the recurring payments, we may recoup that payment the following month, so you may see multiple charges as we get you current with your agreement.  

Many BNPL lenders think of disputes as the retailer’s problem. When patients file disputes on the product/service provided by their doctor, HFD sides with the patient and facilitates repayment unless the provider is able to provide proof that the patient is not adhering to their dispute policy. We provide funding for occasional, unexpected expenses associated with healthcare, and do not upsell patients on products or services.

HFD financing can be used for a wide range of healthcare services that your provider offers, including dental treatments, Invisalign and orthodontics, veterinary care, MedSpa services, vision and audiology services, and other elective or specialty procedures not fully covered by insurance. HFD works with your provider to help you pay for the treatment you need over time. 

HFD is not your healthcare provider and is not a traditional bank or loan company. Instead, HFD partners with your provider to set up payment plans that let you pay for care over time while your provider focuses on your treatment.  Many BNPL lenders think of disputes as the retailer’s problem. When patients file disputes on the product/service provided by their doctor, HFD sides with the patient and facilitates repayment unless the provider is able to provide proof that the patient is not adhering to their dispute policy. We provide funding for occasional, unexpected expenses associated with healthcare, and do not upsell patients on products or services.

No, applying for financing through HFD involves only a soft credit check and never a hard check which will not affect your credit score. This is unlike others who will soft check at qualification, but then hard check when funding. Our process allows you to see your payment options without worrying about a credit score impact. 

Most patients are eligible to apply for HFD financing through their healthcare provider. HFD strives to approve nearly every applicant regardless of credit history, with only a few exceptions such as active bankruptcy or placement on a government watchlist. 

If you have concerns about the care you received, your first step is to contact your dental or healthcare provider, as issues with the service or products must be handled by them. Your provider can then work with HFD to update or cancel your payment agreement if needed. If you’re unable to reach your provider, HFD can assist by contacting the provider on your behalf.