Choose your plan. Pay over time. Live your life.

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Get The Care You Need

You’ve just met with your doctor and decided on your treatment. Now comes the hard part: how will you pay for it? At HFD we have made a commitment to providing a plan for every patient.* We can make treatment affordable for you, regardless of your credit score.

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Choose your payment date.

Pick the day you want to pay that will always fit into your monthly budget.

No damage to your credit.

We only perform a soft credit check which will have no impact on your credit.

Approved every time.

Applicants are only declined financing due to Open Bankruptcy, Fraud Alert, or Terrorist Watch List.

Providing Financing For
All, Moms, Dads, Children, Everyone

HFD provides affordable financing options for patients in dental, orthodontics, veterinary, audiology, vision, and cosmetics. Ask your provider if they offer HFD to finance your treatment. If not, refer your doctor and/or provider through the link below. 

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Applying is Quick

Managing Your Account is Easy

"Great customer service!"

The people you speak to are kind and polite and knowledgeable about the service. Both times I have called HFD the representatives were extremely helpful and just super nice.

Navonda M.

Google Review

"HFD made paying for my aligners super simple."

HFD was helpful in financing my Smile Direct Club aligners. It’s something I always wanted and this made paying for it simple. 

Courtney O.

Google Review

"The HFD team have been helpful to me beyond words."

I’m very thankful to have their assistance. They make me feel very special. They know my voice when I call without having to say my name. You guys have a great team! Keep up the good work!

Sheryl S.

Google Review

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Have Questions? We Have Answers.

You’ll need to discuss with your healthcare provider to resolve a cancellation or a return.  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 M-F 6:00am-5:00pm PST. Our agents are standing by to assist you.

Many Buy Now, Pay Later lenders think of disputes as the retailers 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.

Already have a plan with us?

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Get the treatment you need. We'll help make it affordable.

*This is not a deferred interest program. Providers are responsible for understanding the rules and regulations associated with government payor programs such as Medicare, Medicaid, the State Children’s Health Insurance Program (SCHIP), the Department of Defense TRICARE and TRICARE for Life programs (DOD TRICARE), the Veterans Health Administration (VHA) program, and the Indian Health Service (IHS) program. Services that can be claimed in connection with a government payor program are ineligible for patient financing. Applicants will be declined financing due to Open Bankruptcy, Fraud Alert or Terrorist Watch List.