terms

Pre-Qualification
Obtain conditional pre-qualification for financing with Fidelity Payment USA, LLC (lender) prior to receiving services from your medical provider. Lender will review the information you provide to determine whether you pre-qualify using your credit score and other considerations. A credit application will result in one or more inquiries posted to your credit file.  If you pre-qualify with our lender, you will be provided with your monthly payments, APRs and offer summaries for loan amounts you may be considering.

The offer summary will include an estimate of the financing terms (including down payment, if needed) you could qualify for if you proceed with the loan application. The status of your application will be shared with your medical provider.


General Disclosures Regarding Financing Prequalification

Monthly Payment, APR, and Product Terms
Monthly payment and Annual Percentage Rate (APR) terms are not final until your financing is completed. These terms are based on information you provide and might be revised if you update any information or if your situation changes.

Pre-qualification does not guarantee that you will receive financing or any particular financing terms, which are subject to change based on lender’s evaluation of your credit application.

To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address.

Using Your Financing Pre-Qualification at a Medical Provider
When you visit a participating medical provider, show them your offer summary for the procedure you would like to finance. The Lender will provide funds directly to your medical provider.

Amount Financed Restrictions
Your maximum Amount Financed may be based on income, key credit characteristics, the procedure you are receiving, and/or the details of the financing deal. The Amount Financed may include any applicable sale price, tax, fees, and any optional products/services as recommended by your medical provider, that you choose to finance.


APR
APR is based on the individual’s credit and key financing characteristics, including but not limited to the amount financed and term of loan. Your actual APR will be based on your specific situation. Rates are subject to change without notice.

Privacy
Fidelity Payment USA, LLC may collect information about you when you submit a prequalification application on the application website.

Pre-qualification terms expire 30 days from the date your pre-qualification request is received.

Amount Financed Restrictions
Minimum amount financed is $1,000