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Loan Submission

  • Inquire and receive a loan decision in 2 minutes or less*
  • Receive an instant pre-approval without hurting your credit score**
  • The entire process is online and is available 24/7 from any device
  • Individuals submitting the loan inquiry must be 18 years or older, but anyone can submit a loan inquiry (i.e. family, friend, patient, etc.)
  • Provider staff may NOT submit a loan inquiry on behalf of a patient—the individual must input the information and complete the entire process on their own

Loan Details

  • Loan amounts from $2,000 to $100,000
  • Term lengths up to 84 months*
  • Interest rates from 5.99% to 36%, with an average rate between 7% and 20%*
  • We finance all treatments, procedures, medications, and associated costs (travel,
  • lodging, etc.)
  • Loans are funded directly to the bank account of the individual listed on the loan

Loan Type

  • Simple interest installment loans
  • There are no pre-payment penalties
  • No down payment or collateral is required
  • The interest rate and monthly payment will not change during the life of the loan

Questions?

  • Individuals can call, Live Chat, or email support from 7:30am – 7pm, M-F MST
    • 800-625-7412 x 2  
    • loans@americanhcl.com

 

*  For the Standard Credit Program only

** Loan terms vary from 24-84 months and loan rates vary from 5.99% - 35.36% APR based on approved credit, loan amount, and the program qualified for. For example, an 84 month term is only available on the Exceptional Credit Program for loan amounts greater than $25,000. Individuals requesting more than $35,000 must submit to the Exceptional Credit Program

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