No Credit Check Payment Plan
Frequently asked questions
Why do you need my checking account number?
The No Credit Check Payment Plan determines eligibility based on your checking account. The account number is checked to see if it is one of 225 million bank accounts listed in the nation's largest online active account database (about 80% of all U.S. consumer accounts).If the account is in that database, the system determines if the account currently has available funds and if the balance has remained positive.
What documents do I need to be approved?
My agreement say $5,500 by my approval was for $7,000, why?
Please read the language carefully. The payment plan is not a line of credit and should not be interpreted the same way. The payment plan can be used for one procedure priced at up to $7,000 (with approval). From the $7,000, it is broken into a down payment and monthly payments:
Can I change my billing date just this month?
The payment agreement is a binding contract and the terms cannot be changed after execution.
How can I permanently change my billing date?
Yes, but the monthly payment cannot lapse 30 days therefore you'll end up making an early payment. For example, If your billing date is the 10th of each month and you want to change it to the 25th, you will:
One of my payments before surgery didn't go through. What happens?
If any one of your payments before surgery did not clear for any reason (even if you are not at fault) we require a minimum of six consecutive monthly payments to draft before surgery. They cannot be paid up front or on an accelerated schedule. This will move your surgery date out six months.
I want to cancel/refund my payment plan.
All refunds are processed per the Surgery Cancellation and Refund Policy which you have signed and agreed that once booked the $1,500 is non-refundable. Payments that you have made in excess of the down payment may be refundable depending on the notice guidelines in the Cancellation Policy.
What happens if I default on my payment plan?
We utilize all available means for collection on unpaid accounts. The account first goes to collections and then is filed in either Galveston County or Brazoria County small claims court. Once the judgement is granted, your credit is updated with a judgement. The court allows an interest rate to be applied to the balance and a lien can be applied to your personal property.
How does this work?
If you meet the eligibility requirements, you may be approved to make your surgery payments after your surgery. You must be able to demonstrate that you have steady employment and a dependable checking account. The maximum allowable amount to be set up for monthly payments is $5,500 which works out to about $250-300 per month (depending on approval).
Can my spouse apply for me?
Yes, your spouse may complete the application. Before surgery, your spouse must appear in person (with ID) and physically sign the payment authorization forms.
Can I finance two procedures?
If you are wanting to finance two procedures, you may have the payment plan for one and another finance plan for the other (careCredit, Alphaeon, United Medical).