Frequently Asked Application Questions
- Will applying impact the consumers credit?
- Will patients with a poor credit score be approved?
- How long does the application process take?
- Is an ITIN/Tax ID accepted?
- How do I fix an incorrect financed amount before an application is completed?
- Can a patient leave a down payment less than the minimum indicated?
- How is the down payment calculated?
- Who collects the down payment?
- When should Person Receiving Services be selected in the patient apply flow?
- My patient’s application is in an approved status. How do they proceed?
- Does my patient have to have a social security number to apply?
- Can my patients apply if they don’t have a bank account?
- Can I finance a patient with a bankruptcy?
- Why is an Email Address is Required on Applications?
- Why is my applicant not receiving any offers?
- Can I use HFD to apply for a services performed in the past?
- Are all pricing and service options applicable to all types of treatments?
HFD only performs a soft credit inquiry. By doing this, the patient's credit will not be negatively impacted.
Yes, ITIN numbers are accepted. They can be entered in the social security number section
If an incorrect finance amount is entered, cancel and create a new application. Please contact Provider Support at (661) 616-5204 or email providersupport@healthcarefinancedirect.com
The down payment is generated based on specific guidelines set up by your program and is designed to cover your hard cost. The down payment generated is the minimum amount allowed to cover these costs and can’t be overridden.
The patient can make extra payments by contacting our Customer Support team at (877) 874-3877 or by visiting the Customer Portal.
The down payment is determined by the program carefully selected by your account administrator and is designed to cover any hard cost incurred by your practice.
In most cases, HFD collects the down payment from the patient on the last step of the application.
An applicant should indicate if they are not the person receiving services if:
- The patient is a minor in the care of an adult.
- The patient does not have a valid social security number or tax ID
- The patient is legally incompetent
This allows you to still manage the account by the patient’s name.
This indicates that the patient has completed up to step 3 of the application process but has not confirmed their offer or completed the payment step. The patient will need to complete the remaining steps of the application. They can re-access their application at https://originations.healthcarefinancedirect.com/validation
Yes! In this case a co-applicant with valid banking information will be required, as HFD drafts monthly payments automatically each month. Payment information can be in the form of a checking or savings account, credit or debit card, and in some cases, HSA and FLEX accounts.
Yes, however, their bankruptcy must be in a discharged, dismissed, or closed status. If a patient's bankruptcy still shows a status of open on their credit report, the application will be declined. The patient can have someone apply for them, assuming the financial responsibility, while they remain the Person Receiving Services.
Serving you and your patients is our mission and having your patient's email on file can help with that. An email is helpful right from the beginning of the application process by allowing HFD to send their agreement via email and have it signed within a manner of seconds. This gets your patient the treatment they deserve, helping you serve more patients and capture more revenue. We will also use the email address to send communications about their accounts like, payment reminders and delinquency notifications should they fall past due.
If an applicant receives a message during the application process, this typically indicates that the eligibility requirements have not been met for the specified service or program. Try, reapplying for a lesser amount. However, this means the applicant may not be able to receive all services immediately or may be required to leave a higher down payment.
HFD can only cover treatments done on the same day or in the future. Unfortunately, services provided in the past are not eligible for refinancing through HFD.