Can I Finance My Plastic Surgery?

Posted by Dr. Patrick Proffer on January 23, 2018

Is there is a part of your body that you've never been completely satisfied with? Do you no longer feel comfortable in your own body after having children? Have you lost a considerable amount of weight that’s left you with excess skin?

If so, you've probably toyed with the idea of plastic surgery, but you believe it’s too expensive to ever be a reality for you.

Well, there are thousands upon thousands of people who feel just like you feel, and each year many of them move forward with plastic surgery.


The vast majority of those consumers are happy with their end result, and not all of them have paid for their plastic surgery upfront. This is because there are several financing options available for plastic surgery, enabling you to get the body you've always wanted at a price you can afford.

Can I Finance Plastic Surgery?

If you've ever wondered whether you can finance plastic surgery, the simple answer is: yesYou can finance plastic surgery and pay off the price of the procedure in installments.

There are several financing options available to consumers who are looking for cosmetic surgeries. You can choose to use a financing house that deals specifically with medical procedures, finance through a credit card, or utilize a personal loan. The most popular option is a financing option specifically for medical procedures.

What Is CareCredit?

CareCredit works very much like a credit card, but it is specifically for elective medical procedures. To qualify for CareCredit, you must meet a minimum income requirement and you must have a good credit score. Before approving you for financing, the company will run your credit report and set a credit limit for your account.

READ: What Does CareCredit Cover?

CareCredit offers financing for dentistry, elective cosmetic surgery, and even veterinary services for your pet. Each type of financing is individual, and a different type of care credit account. Different credit limits are offered based on the type of card you’re seeking, and your credit availability.

Once approved, CareCredit will pay for your procedure through your doctor's office, then you'll pay CareCredit in installment payments. Often times, CareCredit will offer an interest-free introductory period. If you pay off your financing prior to the end of that introductory period, you will accrue absolutely no interest on your procedure. 


Are There Other Financing Options?

You can also finance your cosmetic surgery with a private loan taken through a bank. You may also choose to use a credit card to finance your cosmetic surgery. Many surgeons will accept all major credit cards. Remember though, you may want to inform your bank prior to using a credit card for a large purchase, and check your interest rate to decide if putting a large purchase on that specific card is a good idea. 

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This post has been updated for freshness and accuracy.

Topics: Plastic Surgery