HFD Financing Requirements: What You Need to Apply

To apply for HFD financing you need a Social Security number or tax ID (ITINs are accepted), an email address, a way to make automatic monthly payments, and a same-day or future treatment from a provider that offers HFD. HFD doesn't publish a minimum credit score and reports approving more than 99% of applicants.

Key facts

A Social Security number or tax ID is required; ITINs are accepted.
You need an email address, since HFD is paperless.
Payments come from a bank account, card, or in some cases an HSA or FSA.
Applicants without a bank account can apply with a co-applicant who has one.
HFD doesn't publish a minimum credit score.

What you need to apply for HFD

The HFD application asks for a short list of basics.

Requirement	Details
ID number	Social Security number or tax ID; ITINs accepted
Email address	Required; all HFD notices are electronic
Payment method	Checking or savings account, credit or debit card, or in some cases an HSA or FSA
Treatment	Same-day or future care at a provider that offers HFD
Credit file access	No freeze or lock on your credit file

HFD eligibility rules

HFD's published eligibility policy lists these rules.

Any existing HFD plan must be current and in good standing.
Any bankruptcy on your file must be discharged or dismissed.
You can't be on a government watch list.
Some subprime and deep subprime programs allow only one active plan at a time.
The amount financed, after any down payment, must meet the program minimum.
Your total across all HFD plans must stay below the program's maximum credit limit.
Your credit file can't be frozen or locked.

What HFD doesn't require

Several things other lenders ask for aren't required by HFD.

A minimum credit score, since HFD looks at more than your score
A hard credit check, since HFD uses a soft inquiry only
A down payment in every case, since $0 down options exist

Does HFD have an age or state requirement?

HFD's published eligibility policy doesn't list an age or a state restriction.

Credit agreements are generally signed by adults, and a parent often applies when financing a teen's treatment. If you're unsure whether you qualify, ask your provider's office before you apply.

HFD application checklist

Have these ready before you start the application.

Your SSN, tax ID or ITIN
An email address you check often
Bank account or card details for payments
Your treatment cost from the provider
A lifted credit freeze, if you had one

Common questions

What do I need to apply for HFD financing?

A Social Security number or tax ID (ITINs accepted), an email address, a payment method for automatic monthly payments, and a same-day or future treatment at a provider that offers HFD.

Can I apply for HFD without a bank account?

Yes, if you apply with a co-applicant who has valid banking information. HFD also accepts cards and, in some cases, HSA or FSA accounts.

Does HFD accept ITINs?

Yes. HFD accepts ITINs in place of a Social Security number.

Can I get HFD financing with a bankruptcy?

Only if the bankruptcy has been discharged or dismissed. An open bankruptcy can lead to a decline.

HFD Financing Requirements