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Eligibility Policies

As the financial landscape continues to evolve, we occasionally update our eligibility policies to ensure we’re offering fair, responsible, and sustainable financing options.

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

Approval Criteria

In order to qualify for approval, applicants must meet the following requirements:

  • Existing HFD Payment Plans must be in good standing

    • How to resolve: Bring the account current, then reapply.

  • Bankruptcies on credit file must be discharged or dismissed

    • How to resolve: Reapply once the bankruptcy is no longer active.

  • Applicants cannot be listed on any government watch list

    • How to resolve: Unfortunately, applicants in this category are not eligible for financing.

  • Outstanding balances on existing HFD Payment Plans may result in a decline †

    • How to resolve: Pay off the existing account, then reapply.

  • Below Credit Limit

    • Example: If the program minimum is $300 and an applicant applies for $400 with a $200 down payment, the remaining $200 falls below the minimum, leading to a decline.

    • How to resolve: Ensure the financed amount (after any down payment) meets or exceeds the program’s minimum requirement before reapplying.

If an Application Is Declined

Applicants who are not approved will receive a Notice of Adverse Action, which will clearly state the reason(s) for the declination. This ensures transparency and provides applicants with information they may need before reapplying.

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.