How is Healthcare Finance Direct (HFD) different from other patient financing companies?

Most patient finance lenders rely solely on patient credit scores to determine the probability of default, so patients with subprime credit (or little credit history) are often denied. HFD goes beyond credit scores, using a unique, data-driven risk assessment to determine the likelihood of a patient defaulting, based on data collected from thousands of patients.

We’ve developed a technology platform and workflows that support portable, in-house, interest-bearing patient payment plans. We provide approvals in seconds, set up and document patient payment plans in 1-2 minutes, collect the payments, follow-up on missed payments, and ACH the proceeds to your bank account daily.

In other words, we manage the entire process for you, so you can focus on treating patients.

Do I get paid up-front?

You collect a down payment directly from the patient at the time of treatment, and HFD transfers patient payment proceeds to you every day.


Do I have credit risk on patient receivables using the HFD platform?

Providers using the HFD platform do retain the credit risk on their patient receivables. However, when you work with HFD, you gain an expert partner in managing patient payment risk through interest-bearing payment plans and world-class servicing standards. 

Our experience comes from working with thousands of providers and hundreds of thousands of patients. We know exactly how to minimize risk for your business. 

We also encourage you to use lender-based options like Care Credit in addition to HFD, to eliminate your credit risk on patient receivables whenever possible.

What about interest?

Interest is key to portable patient payment plans. Patients on HFD payment plans always pay interest to you, not to us. 

We work with you to set optimal interest rates that offset the cost of our servicing and patient delinquency, allowing you to maintain a financially sustainable in-house patient finance program on the HFD platform.

Why would I do this?

Getting paid in full by every patient you can (and financing every patient possible using lenders that pay you up front) is the best way to eliminate your credit risk.

But once you’ve exhausted those options, you’ll still have patients using your exit door instead of receiving treatment. 

Consider using an HFD-managed, in-house patient finance program to treat those patients and capture that lost revenue.


Who is Healthcare Finance Direct?

It doesn’t get more complicated than our name! We’re a patient financing company that works with healthcare providers of all sizes. 

When a provider sets you up for financing on our platform, we manage the financing side so they can do what they do best: treat you! Paying your bill with HFD is just as easy as paying for Netflix. 

My doctor signed me up for financing through HFD. How do I set up my account?

Creating a myHFD account is easy! 

  1. Visit and click “Create an Account.” 
  2. Plug in your information to get started.
  3. Use your myHFD portal to view your balance, make a one-time-payment, update your payment method, view your payment history, and more!

What is my application number?

In your myHFD portal, you can find your application number on the profile page. You can also give our customer care team a call at (661) 616-5203 or chat with a live representative! 

How can I push my payments?

As long as you are three or more days from your due date, you can request a payment pushout with our customer care team. Give us a call at (661) 616-5203 or chat with a live representative.

How do I change my due date?

You can change your due date by simply logging into your myHFD portal at and clicking on “Profile.” From the “Manage” tab, you can select your new due date! 

You can also get in touch with our customer care team, and they can help you make the change! Give us a call at (661) 616-5203 or chat with a live representative. 

How do I update my payment method?

When you’re logged into your myHFD account, click “view finance details” on your dashboard. Then, under payment method, click ‘edit’ and you’re done! 

Haven’t created your myHFD account? Create one today!

Didn't find the answer to your question?

Tell us what’s going on and we’ll connect you with our someone from our team who can help get your questions answered.

Are you a provider or patient?