Partnered with HFA

Healthcare financing
everyone qualifies for

No credit check. 0% interest. 100% approval. We've partnered with Healthcare Financing of America so cost never stands between you and the care you need.

100% Guaranteed Approval
0% Interest Plans
No Credit Check
Approved in Minutes
FSA & HSA Accepted
Healthcare Financing of America

Powered by Healthcare Financing of America

HFA is a leading all-digital healthcare loan platform, no cherry-picking, no barriers, no interest.

100%
Patient Approval
0%
Interest Rate
35+
States Covered
24h
Provider Payout

From application to care in minutes

Fully digital, takes under 3 minutes, and never impacts your credit score.

01
📋

Complete a Short Application

Provide a few basic details, no lengthy paperwork, no hard credit pull. Takes under 3 minutes to complete.

02

Get Approved Instantly

Every patient is approved in real time. No waiting days for a decision. No rejection letters.

03
💳

Choose Your Payment Plan

Pick the monthly payment and due date that fits your budget. Flexible terms, always 0% interest.

04
🩺

Start Your Care

Your membership activates immediately. Book your first visit and connect with a board-certified provider the same day.

Everything you need, nothing you don't

Designed to remove every financial barrier between patients and the care they deserve.

🔓

100% Guaranteed Approval

Every patient is approved, no credit score screening, no denials, no cherry-picking. If you apply, you're approved.

💰

0% Interest, Always

HFA charges zero interest on all patient payment plans. The amount you agree to pay is the amount you pay, full stop.

🛡️

No Credit Impact

Applying for HFA financing uses only a soft inquiry. Your credit score is never affected, whether you apply or not.

📱

Fully Digital & Paperless

The entire process, application, approval, payments, is handled online through HFA's HIPAA-compliant platform.

🗓️

Flexible Payment Schedules

Pick the monthly payment and due date that works for you. Plans can be adjusted as your situation changes.

🔒

HIPAA-Compliant

HFA's platform meets federal HIPAA standards. Your health and financial data are handled with full compliance and security.

Who qualifies for financing?

Short answer: everyone. Here's exactly what the process covers.

Financing is available for any Direct Providers Care plan or service:
  • All membership tiers covered Individual Essential ($99/mo), Complete ($149/mo), Concierge ($249/mo), and all Family plans.
  • No minimum credit score HFA does not set credit score thresholds. Every applicant qualifies regardless of credit history.
  • No employment verification required You don't need to verify employment or income to be approved for a payment plan.
  • Available for individual services too Financing also applies to mobile lab draws, X-rays, STD testing, and mental health sessions.
  • Available in 35+ U.S. states HFA is active across most U.S. jurisdictions. State availability is confirmed at checkout.
Apply for Financing at Checkout →

Select your plan and choose "Pay with HFA" at checkout on the pricing page.

Financing FAQ

Everything you need to know before you apply.

Is there really no credit check?
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HFA uses only a soft inquiry to verify your identity, this does not impact your credit score in any way. There is no hard credit pull and no minimum credit score required for approval.
What does 0% interest actually mean?
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It means exactly that. If your plan costs $149/month and you choose to split it into a payment plan, you will never pay more than the original amount. No interest, no fees, no hidden charges added on top.
How long does approval take?
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Approval is instant, real-time, at the point of application. You'll know immediately whether you're approved and what your plan options are. There is no waiting period.
Can I use my FSA or HSA alongside financing?
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Yes. Direct Providers Care accepts FSA and HSA funds across all plans. You can use your FSA/HSA card for your first payment and finance the remaining balance through HFA.
What if I want to pay off my plan early?
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You can pay off your HFA plan early at any time with no prepayment penalties. Early payoff is always encouraged and never costs you anything extra.
Is my health and financial information secure?
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Yes. HFA operates a HIPAA-compliant platform with signed Business Associate Agreements. All data is encrypted and handled per federal privacy regulations. Direct Providers Care is also powered by Healthie, a fully HIPAA-compliant EHR.
Where exactly do I apply for financing?
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Financing is offered at checkout during membership enrollment on directproviderscare.com/pricing. Select your plan and choose the HFA payment option to begin the short application.
What if I have more questions about my HFA plan?
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Reach the Direct Providers Care team at care@directproviderscare.com or call (307) 213-8870. For direct HFA account questions, support is available through the HFA member portal.
Financing Disclosure: Patient financing is provided by Healthcare Financing of America, LLC (HFA), an independent third-party financing company. Direct Providers Care, LLC does not offer financing directly and is not a lender. Financing terms, approval, and availability are determined solely by HFA and subject to HFA's terms and conditions. Financing availability may vary by state. "0% interest" refers to HFA's standard patient loan product, confirm final terms with HFA at time of application. Direct Providers Care membership fees cover technology platform access and administrative support only; they do not constitute health insurance and do not guarantee a clinical encounter. All clinical services are delivered by independently licensed healthcare professionals. FSA/HSA eligibility is subject to your plan administrator's determination. For medical emergencies, call 911, this platform does not provide emergency services.

Direct Providers Care™ provides the technology and administrative infrastructure that connects patients with board-certified licensed physicians through a secure, modern virtual care platform. Not insurance. Not a medical practice. Powered by Healthie.

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© 2026 Direct Providers Care, LLC. All rights reserved.

Direct Providers Care, LLC is a Management Services Organization (MSO) and healthcare technology services company. It does not practice medicine, does not employ licensed providers, and does not provide medical diagnosis or treatment. All clinical services are delivered solely by licensed healthcare professionals through our platform, who maintain full clinical independence. This platform is not health insurance and does not provide emergency medical services, call 911 for emergencies. Membership fees cover technology platform access and administrative support only; they do not guarantee a clinical encounter and are not a prepayment for medical services. Membership activation is subject to provider availability and state licensure verification. Telehealth services are subject to applicable state laws. HIPAA-compliant infrastructure provided by Healthie, which maintains signed Business Associate Agreements covering all PHI. Telehealth Informed Consent required before care is rendered. Analytics and marketing cookies activated only after explicit visitor consent.