Multi-lender financing marketplace for cosmetic and elective care
A cosmetic-focused financing marketplace that widens approvals by spanning prime-to-subprime lenders on a single soft pull, but terms vary by lender and thin third-party verification means you should pilot and confirm costs first.
United Credit (formerly United Medical Credit) is a financing marketplace rather than a single lender. Instead of underwriting loans itself, it connects a patient's application to a network of partner lenders spanning prime to subprime credit, then surfaces the offers those lenders return. The model is built around a soft pre-qualification that does not affect the patient's credit score up front, with loan amounts reaching approximately $25,000 and an explicit focus on cosmetic, plastic-surgery, and other elective aesthetic procedures.
For the practice, United Credit is paid by the lender network, and it describes its merchant cost as similar to standard card-processing fees rather than the steep merchant discounts some deferred-interest programs charge. Founded in 2011 and rebranded to United Credit in 2022, it positions itself as a way to approve more patients by casting a wider net across lenders in one place. It maintains a Better Business Bureau profile, though its accreditation status is not clearly verifiable, and we could not confirm a clean third-party numeric rating (for example on Trustpilot), so buyers should weigh trust signals accordingly.
Ideal customer
Cosmetic and plastic-surgery practices and med spas that want to approve more patients across the credit spectrum through a single soft-pull application, without underwriting or holding the loans themselves.
United Credit is a financing marketplace, not a lender. When a cosmetic or plastic-surgery patient applies, United Credit runs a single soft-pull pre-qualification and shops that application across a network of partner lenders spanning prime to subprime credit. The patient sees the offers those lenders return, with amounts reaching roughly $25,000. For a med spa, the appeal is straightforward: one application can reach more lenders than any single prime program, which tends to lift approval rates for patients who would be declined by a bank-grade lender alone.
It is best understood as an aggregation layer over consumer lending, purpose-marketed to cosmetic and elective aesthetic work. Founded in 2011 as United Medical Credit and rebranded to United Credit in 2022, it leans on breadth of network rather than a single proprietary loan product.
Choose United Credit if your priority is approving more patients across the credit spectrum from a single soft-pull application, and you are comfortable that terms will vary by the funding lender. Confirm the merchant fee and typical patient APR ranges during onboarding, and treat the limited independent verification as a reason to pilot before rolling it out clinic-wide.
By Med Spa Vendor Hub Editorial Team. Last reviewed June 29, 2026. Independent editorial review — how we score.
United Credit is paid through its lender network and describes the practice cost as similar to standard card-processing fees rather than a fixed subscription. Actual merchant fees and patient APRs vary by which lender in the network funds a given application, so exact costs are not published and should be confirmed during onboarding.
Marketplace access
Merchant fee per funded loan
per transaction
Access to the lender network with cost described as similar to card processing; exact rate depends on the funding lender.
Pricing is researched from public sources and verified periodically; confirm current rates with the vendor.
A vendor-neutral guide to choosing patient financing for a med spa—covering why financing drives conversion, the six provider models, the deferred-interest trap, merchant economics, and how to match a provider to your patients.
Patient financing has no subscription - the practice pays a merchant discount fee (a % of each financed sale) and the patient pays APR or deferred interest. Here's a transparent 2026 breakdown of real merchant fees and patient rates by lender.
Patient FinancingAffirm is a large general-purpose buy-now-pay-later and installment lender that pays merchants up front and assumes default risk, used by some med spas through Zenoti and Stripe-based POS rather than built for aesthetics.
Patient FinancingAfterpay, owned by Block (Square), is a mainstream buy-now-pay-later provider offering interest-free Pay-in-4 on smaller purchases. Some beauty businesses and med spas use it for retail and lower-ticket services, but it is not a healthcare-built financing product for higher-ticket aesthetic procedures.
Patient FinancingAlphaeon Credit is a purpose-built healthcare credit card for aesthetic, cosmetic, dermatology, and plastic surgery practices, offering deep aesthetics fit but carrying a deferred-interest model and strongly negative consumer sentiment.
