Is this a loan?
No, this is a financing or lending product. That’s why we don’t need credit checks, applications, or approvals.
Can I split payments across multiple cards?
Yes, you can set up 2 separate installment plans linked to different credit cards to cover the full amount.
What cards can I use?
We accept MasterCard and Visa credit cards.
Can I pay off my plan early?
Yes, this option is always available on the installments portal, or you can contact customer care for assistance.
Do I have have to pay full interest charges on my purchase?
No. When you make a purchase with QuickFee installments, you will only be charged for 1/4 the total each month. The balance is reserved on your credit limit and interest rates will not apply.
Will this affect my credit score?
There is no impact on your credit score. Your bank just sees the individual installment charges each month. If one of the payments is declined, there is still no effect on credit rating.
How does United Medical Credit work?
Once your application is submitted, we will submit it to the lending partner best qualified to give you the maximum approval amount at the best terms. Often, you will receive this decision within seconds. Some lending partners may take longer but you will always get a response by the next business day. If your application is pre-qualified, we may contact you to review the terms and conditions. Once you accept the terms and provide the stipulations if required, our lending partners will disburse the funds directly to the merchant. If your application is denied, you can always resubmit your application with a qualified 2nd applicant.
How long does it take for a response on my application?
Often, you will receive a decision within seconds. Some lending partners may take longer but you will always get a response by the next business day.
What are the minimum requirements for getting approved?
Each lending partner takes multiple factors into consideration including but not limited to income, credit profile, and outstanding debt balances.
Would my requested amount affect my chances of getting approved?
Requested loan amount may affect your chances of being approved. If we are unable to secure the full requested amount, we will inform you of the maximum amount.