Business Details
15 Years
experience
Your Trusted Partner for Loan Solutions
United Credit is a financial technology company dedicated to connecting consumers and businesses with innovative financing solutions. Founded in 2011, we began as United Medical Credit to address gaps in consumer financing for healthcare services. In 2022, we expanded our expertise into retail markets while maintaining our core focus on specialty healthcare, rebranding as United Credit to reflect our broader vision. Headquartered in Orange County, California, we operate with a global workforce across the United States, United Kingdom, and Mexico. Our proprietary platform enables consumers with diverse credit profiles to access multiple financing options through a network of trusted lenders, while empowering merchants to increase revenue by offering accessible payment solutions.We emphasize long-term growth, transparency, and client-centric service, maintaining integrity in all financial transactions. Our leadership team brings decades of combined experience in finance, technology, and customer service, ensuring we deliver value to both consumers and business partners. We prioritize ethical practices, including no prepayment penalties and competitive interest rates, while maintaining compliance with financial regulations. Our mission remains simple: to help more people achieve their goals through accessible financing while supporting business growth.
Services
Medical Loans
Bariatric Surgery Loans
Fertility and IVF Loans
Dental Procedure Loans
Tutoring Services Loans
Tax Relief Loans
Retail Loans
Cosmetic Surgery Financing
Mens Wellness Loans
Home Improvement Loans
Details
- Year established: 2011
Highlights and features
- We offer 24/7 online loan applications with same-day approval decisions
- Our lending network provides options for consumers across credit profiles
- We specialize in niche financing for medical and retail sectors since 2011
- Our dedicated support team assists both consumers and merchants throughout the process
- We partner with thousands of providers to ensure nationwide service availability
What people say
Easy to apply
Fast approval
Professional service
Efficient process
Dedicated support
Services
Medical Loans
Medical Loans provide financing for surgical procedures, fertility treatments, and dental care. Our network connects patients with lenders offering competitive rates for qualified applicants. These loans help cover costs not typically covered by insurance, including cosmetic procedures and elective surgeries. With amounts ranging from $500 to $25,000, our solutions offer flexible repayment terms while ensuring providers receive prompt payment.
Bariatric Surgery Loans
Bariatric Surgery Loans support patients seeking life-changing weight loss procedures. We connect applicants with lenders offering specialized financing for gastric bypass, sleeve gastrectomy, and other approved treatments. Our process accommodates various credit profiles with loan amounts up to $25,000. Funds transfer directly to providers, ensuring patients can begin treatment without financial delays while maintaining budget flexibility through monthly payment plans.
Dental Procedure Loans
Dental Procedure Loans help patients access necessary treatments from routine care to complex restorations. Our financing options cover implants, orthodontics, and cosmetic dentistry with loan amounts between $500 and $25,000. The streamlined application process delivers decisions within one business day, allowing dentists to provide immediate care while patients manage costs through affordable monthly payments without prepayment penalties.
Fertility and IVF Loans
Fertility and IVF Loans offer financial support for reproductive treatments including in vitro fertilization and surrogacy. Our lending network provides qualified applicants with loans up to $25,000, covering medication costs and multiple treatment cycles. This financing enables patients to pursue family-building options without compromising financial stability, with direct payments to providers ensuring seamless service access and structured repayment plans.
Retail Loans
Retail Loans provide flexible payment solutions for major purchases across various industries. From fitness equipment to home improvements, our financing options accommodate credit profiles with loan amounts up to $25,000. Merchants benefit from increased sales through customer access to instant approval processes, while consumers enjoy predictable monthly payments and competitive interest rates tailored to their financial situation.
People
Matthew Libman
Founder & President
Matthew founded United Medical Credit in 2011, pioneering accessible financing solutions for healthcare consumers. Under his leadership, the company expanded into retail markets as United Credit in 2022. With expertise in fintech innovation, he has grown the company into a preferred consumer financing partner while maintaining active membership in the Young Presidents Organization.
Andria Sullivan
Chief Experience Officer
Andria brings over a decade of experience in consumer finance leadership. She oversees strategic initiatives and company goals while ensuring exceptional customer service standards. Her focus on internal and external collaboration has strengthened United Credits reputation for reliable, service-oriented operations across its financing platforms.
Nate Moster
Chief Sales and Marketing Officer
Nate drives revenue growth with 20+ years of global brand experience. His strategic approach combines analytical rigor with creative execution to expand market share. He has implemented successful sales strategies across diverse industries, positioning United Credit as a leader in consumer financing solutions through data-driven marketing initiatives.
Jessica Payan
VP of Human Resources
Jessica, a certified HR professional, manages talent strategy with 10 years of experience building high-performing teams. She focuses on employee development and retention while aligning HR practices with company values. Her leadership ensures a positive workplace culture that supports United Credits growth objectives.
Aaron Mishkin
Controller
Aaron oversees financial operations with 25 years of experience in financial services. He manages loan fund integrity and company finances while maintaining compliance with regulatory standards. His commitment to fiscal responsibility supports United Credits long-term stability and partner trust.
Questions
How quickly can I get approved for a loan?
Our online application provides same-business-day approval decisions through our lending network.
Can I use financing for uninsured medical procedures?
Yes, our loans cover elective procedures not typically covered by insurance, including cosmetic and fertility treatments.
Do you offer financing for people with bad credit?
We work with lenders who consider various credit profiles, though terms may vary based on credit history.
How do payments work for approved loans?
Approved applicants receive fixed monthly payments with no prepayment penalties, offering predictable budgeting options.
Will applying affect my credit score?
Initial applications use soft credit inquiries that don't impact scores, though final lender checks may involve hard inquiries.
Can merchants integrate your financing options?
Yes, we partner with merchants across industries to offer seamless financing integration for customer purchases.
