How to Finance Plastic Surgery [What to Know]

At United Credit, we believe everyone should have access to plastic surgery procedures without the stress of dipping into savings or racking up credit card debt.

Financing for plastic surgery provides patients with many benefits.

Flexible Repayment Terms

United Credit provides an extensive list of trusted lenders, giving you various loan options. This lets you choose the repayment and loan terms that best suit your budget, needs, and preferences.

Fast Financing

United Credit works alongside a vast network of lending partners, so you can get financing for plastic surgery when you need it. If you qualify for pre-approval, you’ll receive financing options within minutes of completing your application. Otherwise, you’ll receive more information once we match you with our lending partners.

Ability to Secure Plastic Surgery Financing with Bad Credit

Not every patient has stellar credit, and that’s understandable. Unfortunately, poor credit scores can often deter patients from seeking the procedures that would help improve their lives. With help from United Credit, you can access options for plastic surgery financing with bad credit, excellent credit, or anything in between.

Ability to Choose How Money Is Spent

Financing for plastic surgery shouldn’t be limited to the cost of the surgery itself. Surgery often requires recovery periods, so you may miss out on wages or face other expenses during this time.

Fortunately, our financing solutions provide you with the flexibility to choose how to spend your loan.

Ability to Get Plastic Surgery Sooner

Plastic surgery can be expensive, and it can be difficult for patients to pay the entire cost of a procedure upfront. Many medical facilities don’t provide repayment plans, so patients may feel they need to put off having surgery. With financing options through United Credit’s lending partners, you can get the surgery you need right away without draining your bank account or waiting to save up for the procedure.

Easy Application Process

We provide a simple online application and a streamlined application process. Applications can be completed in a few minutes and only require basic information about you, your income, and your contact information. After you complete an online application, we will submit it to our lender network. If you pre-qualify, you will receive a financing option within minutes (or up to one business day) after the application is submitted.

If one of our lending partners approves your loan request, we may contact you to review the terms and conditions. Once the terms are accepted and any stipulations are provided, the lender will disburse the funds you have requested.

How to Finance Plastic Surgery: Average Costs

The cost of cosmetic procedures varies from state to state, but here are some average prices of eyelid surgery, breast augmentation, and other popular aesthetic surgical procedures:

• Botox: $385
• Eyelid surgery (blepharoplasty): $3,022
• Cheek implants: $2,823
• Facelift (rhytidectomy): $7,048
• Forehead/brow lift: $3,403
• Chin augmentation: $2,225
• Lip augmentation: (other than injectable materials) $1,727
• Nose surgery: (rhinoplasty) $5,046
• Breast augmentation: $3,824
• Abdominoplasty (tummy tucks): $3,000 to $8,500

Can You Make Payments on Breast Implants or Other Cosmetic Surgical Procedures?

Yes. You can get a loan for plastic surgery and then make payments on that loan. However, it is worth first checking with your health insurance provider to see if they will cover part of the procedure.

Conditions that cause discomfort or pain may qualify for coverage. Procedures like breast reconstruction and skin grafts are often covered. Insurance plans will not pay for plastic surgery if the reason is purely aesthetic unless the issue results from a congenital disability, disease, or trauma. For example, an insurance company may cover the costs of surgery to correct a cleft palate, but it’s unlikely they’ll cover a rhinoplasty if the only reason for the nose job is to improve appearances.

Each cosmetic surgery procedure has its own set of considerations, and The American Society for Aesthetic Plastic Surgery provides detailed information on how to prepare for them.

Do Plastic Surgeons Offer Payment Plans?

Yes. Some surgery centers offer installment loans based on the specifics of your financial situation. However, even if you have an excellent credit score, you will be limited in your choice of lenders. United Credit works with an extensive network of lenders, which means you may get a lower interest rate.

Plan for Your Plastic Surgery Loan

Before you schedule cosmetic surgery, you should make a list of all costs.

Some common costs that patients consider when deciding between various loans and monthly payment plans include:

• Cost of the surgery itself
• Number of nights in the hospital
• Recovery costs like medical supplies and medications
• Downtime from work