Sunday, April 14, 2024

How To Afford Plastic Surgery

How To Afford The Plastic Surgery You Want

Cosmetic Surgery Financing | Kyler’s CareCredit Story

When it comes to affording large financial expenses, there are typically easy financing options available that you can use, including insurance, bank loans, and lenders. When buying a house, there are mortgage options. When purchasing a car, you can sign a lease. But when it comes to affording an expense like plastic surgery, it can be difficult to find the right financing.

Plastic surgery is expensive, especially because most health insurance plans do not offer coverage for cosmetic surgeries unless the surgery is due to an accident, such as a car accident or house fire that caused significant physical damage.

Without the aid of insurance, the idea of paying for cosmetic surgery out of pocket can keep people from even considering the idea. However, there are financial options that are available for cosmetic surgery so you can afford the plastic surgery you have been wanting.

Plastic Surgery Center

When looking for a plastic surgeon, make sure to ask them if they offer any financial options, such as payment plans, discounts, or credit. Due to the fact that most plastic surgery centers recognize that insurance does not cover cosmetic surgeries, many have financial plans in place for their patients. As an added bonus, many centers do not include interest on their plans, which can help you save money.

Medical Credit Cards

Bank Loans

Home Equity Loan


Family and Friends

Image Source:

To Afford Plastic Surgery: Recognize That Surgery Is Not Always The Answer

The wonderful thing about our office, apart from our amazing all-women team, is all the noninvasive options. If there is a noninvasive procedure that meets your goals, then that should be your first choice, not plastic surgery!

Let me give you an example. Lets say you dont like the deep creases between your nose and your cheeks, or the early jowls you see along your jawline. You might come in saying you think you need a Facelift. After your consultation, I may tell you that a simple 30 minute procedure with our fabulous Nurse Injector will lift and plump in all the right places without the scars, downtime or the risks of Facelift and Necklift surgery.

Likewise, people have come in thinking they need a tummy tuck, and I have turned them away from surgery and instead toward a noninvasive low risk procedure like CoolSculpting or CoolTone.

What Is The Approximate Cost Of Plastic Surgery In India

According to a survey conducted by the International Society of Aesthetic Plastic Surgery, India ranks among the top five countries in the world for patients opting for surgery to enhance their features. India is a popular med tourism destination for its affordable, yet high-quality healthcare treatments. The approximate plastic surgery cost in India depends on many factors like the surgeon’s fees, hospital charges, follow-up appointment costs, etc.

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Best For Fair Credit: Avant

Why Avant stands out: If you have a fair credit score, Avant may be worth considering since Avant says its typical borrower has a score between 600 and 700. Not sure if you qualify? You can check to see if youre eligible on the Avant website without a hard inquiry but keep in mind that you may see different terms after submitting a formal application.

  • Long and short loan terms: Avant offers loan terms ranging from 24 to 60 months.
  • Flexible loan amounts: Loans range from $2,000 to $35,000.
  • Quick application and funding: Avant says it has an easy application process that can take minutes. After the loan is approved, you may get access to cash as soon as the next business day. Depending on your bank, however, you may have to wait before you can get your money.
  • Origination fee: Avant charges an origination fee thats taken from your loan balance before its deposited into your account, so keep that in mind when deciding how much to borrow.

Read our full review of Avant personal loans.

Take Out A Personal Loan

How to Pay for Elective &  Cosmetic Surgeries

A personal loan from a bank is one easy way to afford the cosmetic surgery you have your mind on. The bank loan officer will assess your financial information and history, along with your credit score with a hard credit inquiry. If approved, you could have enough to finance your procedure with the ability to repay the loan over a series of months or years.

Recommended Reading: Cle Oral And Maxillofacial Surgery

To Afford Plastic Surgery: Can I Get Financing For My Cosmetic Procedure

When the time is right, and you need a little extra help to afford the plastic surgery procedure you have been planning there are third-party financing options available. Many offices, including our own, accept these as a form of payment. Financing is essentially another credit card that you will need to pay off in the future. The company will help you cover the cost of your plastic surgery so you can afford it today and pay it off over time.

Your options are to open up a credit card specifically for this surgery, or use a third-party like Alphaeon or Care Credit to help you afford plastic surgery. Our patient care coordinator will help you as you navigate this process.

Do Take Out A Line Of Credit Or Low

If you will be financing part of your cosmetic procedure, make sure youre doing so with a low-interest loan or line of credit. Try to find somewhere that will give you an interest rate of 10% or less. This ensures your debt wont get out of control and your payments should remain manageable as you pay it off.

The interest rate you qualify for will depend on your credit score, so make sure you know what it is before you apply for a loan or line of credit. If you have a low credit score, work in building it back up while simultaneously saving for your plastic surgery. Then, apply 1-3 months before your surgery date to ensure you get the best rate possible.

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Tips To Budget For Plastic Surgery

You dont have to be a millionaire to have plastic surgery. With all of the new financing options available, you dont have to put off having your desired cosmetic procedure that will last years after youve made the decision to invest in enhancing your appearance. Take a look at financing options and helpful tips that help to make plastic surgery affordable and achievable for every patient.

INSURANCEThough most cosmetic surgeries are not financed by insurance companies, there are special cases where insurance will pay for a procedure to improve your health. For example: breast reductions for women that have medical issues resulting from having too-large breasts nose surgery for patients that have trouble breathing and eye lid lifts if drooping eyelids interfere with a patients vision. Make sure to check with your insurance provider

SAVINGIf youre thinking about having a procedure done, start to put aside money to build towards your goal. Your surgery is typically scheduled months after you have your initial consultation with your surgeon, giving you plenty of time to develop a savings strategy that you can also supplement with other financing options.

Most surgeons accept major credit cards and you can finance your surgery with this option. When choosing to pay with a credit card, be sure to factor in interest rates and come up with a monthly payment plan that will be suitable for your financial goals.

Put Your Best Face Forward: How To Afford Plastic Surgery

Nonsurgical Rhinoplasty
Do you want plastic surgery but are worried about the cost? If so, learn how to afford plastic surgery here.

Women and men get plastic surgery for all kinds of reasons. For some, cosmetic procedures give them the opportunity to feel young again and maintain the looks theyve always had. For others, the investment in plastic surgery helps them celebrate a life accomplishment, such as losing massive weight or entering retirement.

Whatever your reason for wanting plastic surgery is, you shouldnt let finances hold you back. Try to see it as an investment in yourself, which is worth every penny.

For big expenses like this, though, you do have to take a moment and consider how youre going to afford it.

Keep reading for everything you need to know about how to afford plastic surgery plus a handful of tips to help you make ends meet!

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Paying For Cosmetic Procedures

So if youre pursuing a cosmetic procedure and insurance doesnt cover it, what are your payment options?

Consider Kathy Riffey, a former Baltimore medical insurance analyst who lost 40 pounds. The resulting saggy skin caused her to seek a breast lift and implants, and she didnt have $8,000 saved to pay for the surgical procedures.

With the aid of her plastic surgeons finance office, she chose one of the medical credit cards on the market. With an introductory 0% interest rate for six months, followed by a moderate rate hike, Riffey opted for a 24-month repayment plan. The bill came to $167 per month.

It was a lower interest rate than a credit card with better payment plan options, she says.

If you consider cosmetic surgery that your health insurance wont cover, you can explore various payment options.

Carecredit Financing For Plastic Surgery

CareCredit specializes in cosmetic procedure financing, to ensure that monetary considerations are not an obstacle to obtaining your procedure, low monthly payments are offered to fit comfortable into almost every budget. Often, no down payment is needed. You can apply quickly and securely via the web.

Read Also: Does Medi-cal Cover Weight Loss Surgery

Online Applications For Cosmetic Surgery Financing

The vast majority of lenders have online applications. Though each company is unique, all will expect you to meet these basic criteria:

  • Be an Australian citizen or permanent resident
  • Be over 18 years of age
  • Be employed or self-employed
  • Earn a minimum of $25,000
  • Have a current drivers license, passport, or Medicare card
  • Not have filed for bankruptcy
  • Not be a party to a court judgement

After you clear the initial hurdles of the application, youll also be asked to prove the information you provided including:

  • Recent pay slips
  • 90 days of bank statements
  • Loan statements
  • If youre self-employed youll need your last two years financials and tax returns

Most applicants receive a response within 1-2 days and are told the terms of the loan. In some instances, you may be able to re-negotiate the terms, including your interest rate.

When negotiations are complete, you can choose a weekly, fortnightly, or monthly repayment option with a duration of one to seven years. Worried your situation might change? Cosmetic surgery loan providers have customer care teams that can help should you have a change for the worse in your finances.

Breast Lift Cost $7000 To $9000

Would you ever consider plastic surgery if you could afford it ...

A breast lift is different than a breast augmentation, though sometimes people will get both procedures done at the same time. A breast lift involves lifting the breast to make it perkier, without changing its size.

Nevertheless, it comes in at almost the same price as a breast augmentation. However, which surgery is best for you depends on your wants and your body.

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How To Finance Your Nose Jo

Some people use their savings to pay for their nose job so that they do not have to pay interest. It is possible to learn whether your surgeon provides a monthly payment plan if this is not financially feasible or if you prefer to pay over time. There is also the option of a personal loan as an alternative payment method. If you require a loan, a small credit union or a local bank may be able to provide you with a good rate with a fixed interest rate, which provides you with the peace of mind that your interest rate will not rise. Layaway plans are another option for paying for plastic surgery. We offer three payment options: monthly, weekly, or quarterly installments starting 9 months before surgery. The entire procedure must be paid in full two weeks before the surgery date. There is no charge for the layaway plan payments made.

Paying Through Other Means

  • 1Save. Simply saving is probably the best option. Putting away small amounts of money over time assure that you’ll have enough for the procedure and will not have to take out loans or use a credit card. It’s best to have the money upfront for most cosmetic surgeries. The main drawback, however, is that you might have to wait months or even years to secure the necessary funds.XResearch source
  • 2Borrow from family and friends. If you’re unable to secure a loan or use a card, try to borrow money from family and friends. Expectations of repayment are more flexible and there will likely not be an interest rate.XResearch source
  • If you make a late payment, your loved ones should understand, but try to get caught up as quickly as possible so you don’t have a falling out.
  • This can be a quick, hassle-free way to secure the money, but the main drawback is that it jeopardizes your relationships.If you have anything in writing, you can agree to flexible terms and low to no interest. It can be a quick, hassle-free way to secure the money.
  • 3Ask about payment plans. Doctors may be able to work out a payment plan with you. This way, you would not have to pay the total cost upfront.
  • A benefit to this is that missed or late payments do not show up on a credit report, and theres generally no interest.
  • Doctors are usually flexible enough that they can create a plan that works for your specific needs.
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    Find Out Today If You Are Eligible For Financing Your Plastic Surgery Procedures

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    • Terms from 6 months to 6 years

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    • Fast and easy credit approval
    • No down payment or collateral
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    • Fixed interest rate throughout repayment term
    • Loans are open and can be paid out at anytime
    • Borrow any amount you need
    • Flexible repayment terms

    1200 Bay St.,

    • * First 3 Months of Interest Waived!
    • Online, phone application
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    • No penalties for early payments

    55 Bloor Street West,

    Summary: Best Plastic Surgery Financing Options

    Pandemic creates plastic surgery boom
    • Customer experience: 15%
    • Application process: 10%

    Within each major category, we also considered several characteristics, including available loan amounts, repayment terms, annual percentage rate ranges and applicable fees. We also looked at minimum credit score requirements, whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated each providers customer support tools, borrower perks and features that simplify the borrowing processlike prequalification options and mobile apps.

    Where appropriate, we awarded partial points depending on how well a lender met each criterion.

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    Costhetics Says: Proceed With Caution

    The surge of excitement that comes when youve been approved for a loan is great. The thrill of looking and feeling better after cosmetic surgery is great too. Whats not so great is feeling crushed under the burden of a financial obligation thats more than you can handle.

    Thats why Costhetics suggests that you stop and take a deep breath before moving ahead with your plans. When youre certain you can meet your obligations, go for it!

    Plastic Surgery Loans To Consider

    If a personal loan is your preferred method for plastic surgery financing, shopping around with multiple lenders could help you find the best deal possible. Ensure you make apples-to-apples comparisons of APRs, repayment plans, discounts and fees, among other loan terms.

    There are many ways to get a personal loan, perhaps from a bank, credit union or online-only company. Prioritize those lenders that allow you to prequalify for funding without a hard check of your credit report, which could dim your credit score.

    While many personal loan companies allow you to borrow for cosmetic procedures , here are a handful to begin your shopping process:


    Not many doctors offer in-house payment plans, and most defer to a third-party company.

    Your bill may be sent to a debt collector if you dont pay.

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    Using Your Home Equity

    Home equity loans are borrowed against the value of your home that is greater than the balance of your mortgage. For example, if your home is currently worth $300,000, but you owe only $200,000 to the bank, you may be able to borrow against the $100,000 in equity.

    It is typically easier to obtain this type of loan than an unsecured loan because the house is your collateral. This type of loan also provides a tax break as the interest is tax-deductible like a standard mortgage.

    Keep in mind that if you are unable to make the payments on a home equity loan, the consequences can be dire. Failure to pay the loan back can result in foreclosure and eviction from your home.

    Can You Finance Plastic Surgery With Bad Credit

    How YOU Can Afford Cosmetic Surgery: Financing Available

    The four loan services we reviewed here allow you to borrow funds for plastic surgery even if you have bad credit. You are likely to need at least $3,000 for a plastic surgery procedure, and perhaps a good deal more.

    • Tummy tuck: $6,253
    • Facelift: $7,655

    Bear in mind that offers a maximum loan amount of $5,000, which may not be enough to cover your costs. If thats the case, you may prefer or .

    However, larger loans amounts are reserved for borrowers with average or better credit.

    If you have bad credit, your loan offer may be much less than the maximum. Nonetheless, these loan services can prove useful by providing at least partial funding for your surgery.

    Since most plastic surgery is elective, you usually can decide when to schedule it. That means you have time to increase your credit score before applying for a personal loan.

    Here are some ways to boost your credit score and make it easier to qualify for a loan:

    Just raising your score from poor to average can vastly increase your access to credit in terms of the amount you can borrow, the interest youll pay, and the period to repay the loan.

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