HFD Financing Ratings and Complaints

Most HFD customers on Trustpilot rate the company highly, with hundreds of five-star ratings. People mainly praise friendly, knowledgeable support staff and quick help. The complaints that come up most are account management problems, slow communication and unexpected fees.

What customers like about HFD financing

Most positive HFD feedback centers on its customer support team.

• Patient, polite phone and chat agents who explain payment options clearly
• Bilingual support
• Fast resolution of payment and account questions
• Being approved when other lenders said no

Common HFD financing complaints

The most common HFD complaints involve accounts, communication and fees.

• Trouble setting up or managing online accounts
• Delays getting a reply
• Fees they didn't expect, such as charges tied to a failed or replaced card

HFD customer feedback in their own words

Paraphrased from public customer feedback.

How to avoid the common problems

Most HFD account problems can be prevented with a few habits.

• Set up autopay with a card or bank account you don't plan to change.
• Update your payment method before an old card expires.
• Keep emails from HFD, since all notices are sent electronically.
• Use live chat for fast answers about due dates and charges.

HFD fees customers ask about

Some complaints come from fees people didn't expect (see HFD financing fees). HFD says fees vary by provider, state and agreement type, and may include late fees, NSF fees and card processing fees. All of them are listed in your Retail Installment Agreement.

Why some customers see double charges

If a payment is missed, HFD may collect it the next month along with the regular payment. That can look like a double charge, but it brings the account up to date.

How HFD handles disputes

If you're unhappy with your care, contact your provider first. HFD says it sides with the patient in disputes and will reach out to your provider if you can't reach them.

Contacting HFD customer service

HFD offers phone support six days a week and live chat.

Hours are as listed by HFD and may change. More on our HFD customer service page.

What providers say

Dental and orthodontic offices often highlight HFD's near-universal approval, saying they can discuss payment options with every patient instead of screening first. They also mention getting paid in 2 to 3 business days.

Is HFD financing legit or a scam?

No. HFD has operated since 2009, lists a main office in Southlake, Texas and a mailing address in Bakersfield, California, holds NMLS ID 2529645, and is a preferred financing partner of Align Technology. To stay safe, make payments only through HFD's official website or phone line.

Common questions

Sources

• HFD: Patient payment plans and financing
• HFD: Patient frequently asked questions