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United Medical Credit

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LAST UPDATED: March 2nd, 2021

United Medical Credit (UMC) was founded in 2011 and is headquartered in Santa Ana, California. The company is not a direct lender and works with a network of lenders, providing you greater opportunity to personalize your loan rates and terms, as well as qualify if you have less-than-perfect credit.

With a variety of healthcare specialties, UMC can help meet the costs for a wide range of medical procedures and expenses. However, most of UMC's financing programs do require your doctor's enrollment, and so they will need to enroll if necessary.

Continue reading for a complete review of this healthcare financing company.

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The Good

  • Accepts a Range of Credit Levels
  • Wide Range of Treatments Covered
  • Apply with Multiple Lenders at one Time
  • Quick Application Decisions
  • Apply with a Cosigner
  • Customer Service

Accepts a Range of Credit Levels

UMC does not outline a specific credit score requirement on its website, and because it is not a direct lender, it is able to help customers with less-than-perfect credit.

While UMC does connect you with multiple lenders, approval is not guaranteed, as each lender will have varying eligibility requirements. Financing rates and terms will also vary by lender, but if you are applying with bad credit or no credit history at all, it is likely that you will get higher interest rates.

Wide Range of Treatments Covered

The lenders that work through UMC fund a wide variety of medical procedures. This means that you can apply for a loan that funds basically any medical treatment, including the following:

  • Plastic and cosmetic surgery
  • Dental procedures
  • Bariatric procedures
  • Fertility treatment
  • Vision care
  • Hearing aid care
  • Veterinary procedures
  • General healthcare treatments and procedures

Each of these healthcare financing options provides loans up to $35,000* with affordable monthly payments and competitive interest rates. There are no prepayment penalties, and you can choose from multiple loan terms.

*UMC offers loans up to $60,000 for fertility financing.

Apply With Multiple Lenders at one Time

One benefit of working with UMC is the ability to apply with multiple lenders at one time, allowing you to shop multiple lenders with one application, which can save you more time and also help you more easily compare lenders.

Quick Application Decisions

UMC states that you can receive an application within seconds of applying. While decision times will vary by lender, you can generally expect to get a response within one business day.

Apply with a Cosigner

To increase your chances of approval you can apply with a cosigner. If you have less-than-perfect credit or no credit history UMC encourages you to apply with a cosigner, as this will not only improve your chances of approval, but could also help you get more favorable rates and terms. 

If you initially applied without a cosigner but would like to add one to your application, you can quickly and easily reapply on the UMC website.

Customer Service

Customers can contact the company through the usual ways-phone, email, and a physical address. But they also have social media profiles, online FAQs, an informative website, and even a company blog about various medical healthcare topics. In addition, they have a list of resources you can use to learn more about the type of medical procedure you need. For example, if you're needing dental work they suggest that you contact the American Dental Association for any advice.


The Bad

  • Not a Direct Lender
  • Not Accepted by all Doctors as Financing
  • No Online Patient Portal
  • No 24/7 Customer Service

Not a Direct Lender

UMC is not a direct lender, meaning that it does not originate, underwrite, or process loans in-house. Because of this, information regarding rates, terms, and fees are not disclosed up front because they will vary by lender. This can also mean that loan processing may be slower since they will have to go through a different lender rather than UMC directly.

However, the fact that UMC connects borrowers with multiple lenders allows them to work with borrowers of varying credit levels because requirements, rates, and terms will vary by each lender, providing borrowers with more options than otherwise.

Not Accepted by all Doctors as Financing

For most UMC financing programs, your doctor must be enrolled in order to complete the process and secure your financing. If your doctor is not enrolled, UMC will contact them, but it is ultimately the doctor's decision to enroll and accept your UMC financing, and they may decide not to. If you are considering UMC financing, it would be wise to first consult with your healthcare provider to see if they will accept the financing.

No Online Patient Portal

One downside to working with UMC is that is does not have an online patient portal. This can be inconvenient if you'd like to access your account and financing details quickly and easily. Instead, if you need to make any changes or have any concerns, you will need to call or email UMC.

No 24/7 Customer Service

With as many customer service resources as United Medical has, the company is still only available during certain business hours, not 24/7. This is one limitation that can be frustrating when you need to make an urgent decision about a loan or a provider.

If your current physician isn't already participating in UMC's provider network, then it's possible that you could also be charged a fee for the application process. That's the thing about this company, though-you don't quite know what you get up front because their services hinge on the lenders they work with.


The Bottom Line

United Medical has reliable customer service (albeit not available 24/7), and can cover almost any medical procedure you would need. Although UMC is not a direct lender, which can result in longer loan processing times, you can rest assured that UMC will match you with multiple lenders to choose from, which is particularly good news if you have bad credit, since you will be provided with multiple options in one place when you might not be approved at all otherwise with a direct lender.

You must ensure that your doctor/healthcare provider will accept your UMC financing, and not all providers may do so if they are not currently enrolled in a UMC financing program. That being said, if your doctor is not enrolled, UMC will contact them to have them enroll.

If you have borrowed from this company, please tell us about your experience by leaving a United Medical Credit review.

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Brenda Mooresville, NC

Excellent service! I am very pleased that United Medical Credit was able to finance my IVF loan. I am very excited to be starting my baby journey... Many thanks to UMC!!

4 years ago

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Lulu Staten Island, NY

Fast easy professional great customer service highly recommend

5 years ago