Find The Right Lending Partner to Enroll at Saint Jude Retreats Today

The Original Non 12 Step Program

Financing Options

All it takes is a Couple of Minutes and Your New Life Can Begin
Arranging financing for your substance use program shouldn’t be a complicated or long, drawn out process. We, here at the Freedom Model Retreat, have done our homework. We have partnered with leading finance companies like Light Stream, United Medical Credit, and M-Lend who offer affordable lending options so you start your program quickly and begin your new life today.

Before you apply we highly recommend you speak with one of our Caring Consultants, who will be able to help you choose the best option. 888-424-2626



LightStream (A Division of SunTrust Bank)

LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower’s bank account, often as soon as the same day*. There are no fees or charges, nor penalties for early payment.

LightStream Provides:

  • Flexible Loan Amounts That could cover the Cost of Your Program
  • Same Day Funding Available*
  • Simple online application which takes minutes to complete.

*You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.


UMC Financing

UMC has helped thousands of individuals to secure affordable payment plans for their needs and can do the same for you. Once your application is completed, a soft credit pull is done by UMC and will be reviewed by various lenders. In some cases, you will be notified immediately after you submit your application if you are approved. In other cases, it could take up to one business day for UMC to notify you of your approval. If approved, a UMC representative may contact you to clearly explain the terms of your financing and help you choose the optimal option for your needs. If you choose to accept the terms of an approved loan, the Freedom Model Retreat Finance Department, along with UMC and the Lender, can help facilitate the finalizing of the loan with you.

Some of the benefits of choosing UMC to finance your stay are:

  • Extensive Network of Prime and Subprime Lenders
  • Multiple Plans to Choose From
  • Decisions Within Seconds
  • No Origination fees
  • No Prepayment Penalties with Flexible Terms
  • Fast and Easy Application Process with No Commitment
  • 100% Confidential
  • Plans available for Credit Challenged Applicants



With M-Lend, you must apply by phone by calling Mr. Don Goldberg at 888.474.6231 to learn more about the financing options available. Explain you wish to enroll at The Saint Jude Retreats and he will be able to assist you. 0% APR may be available for some qualifying borrowers. The loan is mailed to the credit applicant as a credit card 7-10 business days after the loan is approved. The credit card must be activated at that time to pay the Freedom Model Retreat Program balance. Your financing can then be paid off in an affordable monthly payment schedule.


Each lender requires specific documentation to finish up the lending process after pre-approval and fund the loan. The lender you choose will let you know specifically what you need to send to complete the loan application for funding but some of the documents that are typically required are:

  • Copy of Photo Identification– can be a Driver’s License or Passport
  • Copy of your most recent paystub to verify income-may substitute current year’s W2 or tax return
  • Copy of current utility bills with address matching that listed as your home address on your application


If you have more questions about financing or need additional help getting through the lending process, we’re here to help you.

Here at Freedom Model Retreats, we are dedicated to helping our guests and their families tackle the lending process as easily and quickly as possible.Our Family Consultants can help you resolve any questions or concerns you may have.