United Medical Credit is based in California. Because of this, we’re subject to California privacy laws, disclosure and truth in advertising statutes. In 2022, these updated state law standards are the strictest in the nation and carry steep legal penalties for violations, including potential compensation to affected customers in the event of a security breach. Every one of the licensed lending companies that we take on as a partner is subject to these same rules and laws, and we don’t accept partner companies that can’t demonstrate enough experience in unsecured personal loan provision or capability to meet our stringent customer service standards. United Medical Credit is a brokerage, meaning when you submit your prequalified application to prequalify with United Medical Credit, we make the application available on your behalf to our medical lending partners using our secure in-house platform backed by industry-leading crypto methodology and security protocols. Each company individually considers whether to accept your application based on the results of a credit query, your FICO credit score number, and other information and from there whether to make you an offer. This gives you the ability to comparison shop and see which offer has the right mix of term length, annual percentage interest rate, and payoff for your needs.