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Who Qualifies for HFD Financing

Our eligibility policies provide consistent, responsible financing for your patients and support positive outcomes for both patients and providers.

Our underwriting engine carefully evaluates a range of criteria to determine qualification. This process allows us to extend the most compelling and competitive offers to your patients while promoting financial responsibility.

To qualify for financing through HFD, applicants must meet the following requirements:

  • Current Payment Status

    • All existing HFD Payment Plans must be current and in good standing at the time of application.

  • Bankruptcy Status

    • Any bankruptcies on the credit file must be fully discharged or dismissed.

  • Government Watch List Screening

    • Applicants must not appear on any government watch list.

  • Outstanding Balances

    • For certain programs, particularly those designed for subprime and deep subprime credit tiers, only one active loan is permitted at a time. †

  • Minimum Finance Amount Requirement

    • The financed amount, after any down payment, must meet or exceed the program’s minimum finance amount.

    • Example: If the program minimum is $300 and the requested amount after a down payment is $200, the application will not qualify.

  • Maximum Credit Limit

    • The total amount financed across all active HFD Payment Plans must remain below the program’s maximum credit limit.

  • Credit File Accessibility

    • Applicants must ensure there are no freezes or locks on their credit file that would prevent a credit check from being completed.

      • Note: Accessing credit will not affect the applicant’s credit score.

Why These Policies Matter

Our eligibility guidelines are designed to:

  • Protect patients from taking on more than they can reasonably manage.

  • Promote financial health by ensuring existing obligations are in good standing before new ones are approved.

  • Maintain program sustainability so providers can continue offering financing options with confidence.

  • Meet compliance standards and align with evolving regulations.

By following these policies, we help create a responsible financing experience that benefits both patients and providers.

👉 For the most up-to-date eligibility information, we recommend reviewing this policy periodically, as updates may occur to reflect changes in regulations and market conditions.

† In some programs/locations, particularly for customers in the subprime and deep subprime credit tiers, multiple active payment plans are not permitted.