What the patient will do
They open the secure link from their email or text. In California they must do this on their own device; elsewhere you can sit with them or use Apply in Person.
They enter all their information manually — the form doesn't auto-fill. They'll type their Social Security number and phone number twice to avoid typos.
For income, they enter total gross monthly household income — everyone who contributes to the household, not just the applicant. A fuller picture tends to produce a stronger approval, since Endeavor doesn't do joint applications.
They review and agree to each lender's disclosures before submitting. Most patients simply click “I agree” through each; they can open the links to read full terms.
They submit. A soft credit inquiry runs (no impact to their score) and personalized offers appear right away.
Coaching tips
Remind them to use their own email and mobile number (not the practice's) so they receive their documents and lender-portal access.
Have them double-check the email and phone before submitting — those can't be edited afterward, so a mistake means reapplying.
If their credit is frozen, they'll need to lift it with the lender's bureau first (PatientFi and Proceed use TransUnion; CoveredCare uses Experian).
Only CoveredCare accepts an ITIN, if that applies to your patient.
Reviewing offers together
Once offers appear, review them with the patient. They'll see up to three options (best first); tap See All Offers to see every lender that approved them and compare plans. Offers are typically valid for about 30 days. If they weren't approved, they can reapply if their credit situation changes or a new lender becomes available.