United Credit

Name: United Credit: pricing, terms and score
Item: United Credit
Rating: 1.8

Loan marketplace that connects a merchant's customers with multiple lenders

1.8/5 · How we score · United States · Last checked Oct 1, 2026

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Score breakdown

7 of 19 checks passed. The score counts what United Credit publishes, not how well it performs.

1.8/5

Pricing transparency2.5

Terms and commitment0.0

Med spa fit2.5

Proof and track record2.0

Support and onboarding1.7

Show all 19 checks

Pricing transparency · 2/4

–Publishes a pricenot found
✓States how it chargessource
✓States setup or onboarding feessource
–Lists what each plan or package includesnot found

Terms and commitment · 0/3

–States the minimum termnot found
–Publishes cancellation or return termsnot found
–Offers a free trial, demo, audit or consultationnot found

Med spa fit · 2/4

✓Has a page for this industrysource
–Names this industry as its only or a core marketnot found
–Shows a named client or case study in this industrynot found
✓Lists services or features built for this industrysource

Proof and track record · 2/5

–Publishes a case study with a stated resultnot found
✓Names its leadership or teamsource
✓Publishes its founding yearsource
–Has a third-party review profile with 10 or more reviewsnot found
–Names clientsnot found

Support and onboarding · 1/3

✓Lists how to reach supportsource
–States support hoursnot found
–Describes onboardingnot found

In one line

Publishes that there are no enrollment, setup, monthly or annual fees and names its leadership and founding year, but does not publish the per-loan fee, a minimum term or cancellation terms.

About United Credit

United Credit is a financial technology company founded in 2011 as United Medical Credit. It does not lend itself; its site says it keeps relationships with multiple lenders so that a customer's application can be matched with more than one option.

The merchant page says a business pays fees only when a loan is processed and gets a dedicated account manager. The cosmetic financing page lists injectables, fillers, laser hair removal and other non-surgical treatments among the procedures its lending partners finance.

Who it is for

A med spa or cosmetic practice that wants one application to reach several lenders, including second-look offers for patients with sub-prime credit.

Pricing

United Credit does not publish prices on its website. How it charges: Fee per processed loan; no enrollment, setup, monthly or annual fees.

Setup fee: None source
Extra costs: Not published
Minimum term: Not published
Cancellation: Not published

Prices as published on Oct 1, 2026. Confirm current rates with United Credit.

Services

Consumer loans through a multi-lender networkSecond-look offers for sub-prime creditDedicated account manager

Key features

Loans up to $25,000Online application available 24 hours a dayDedicated account manager

Built for med spas

Financing for fillers, injectables, laser hair removal, chemical peels and other non-surgical cosmetic procedures

What it publishes and what it doesn't

On its website

✓ States how it charges
✓ States setup or onboarding fees
✓ Has a page for this industry
✓ Lists services or features built for this industry
✓ Names its leadership or team
✓ Publishes its founding year
✓ Lists how to reach support

Not found on its website

– Publishes a price
– Lists what each plan or package includes
– States the minimum term
– Publishes cancellation or return terms
– Offers a free trial, demo, audit or consultation
– Names this industry as its only or a core market
– Shows a named client or case study in this industry
– Publishes a case study with a stated result
– Has a third-party review profile with 10 or more reviews
– Names clients
– States support hours
– Describes onboarding

Sources

Every fact on this page was read on these pages on the date shown.