Apply for Cosmetic & Plastic Surgery Financing Now

Cosmetic surgery has become increasingly popular and it’s not uncommon to know people who’ve had plastic surgery. Procedures like mommy makeovers, tummy tucks, and cosmetic procedures are popular options for people looking to change their appearance.

United Credit is here to connect you with financing solutions through our network of lending partners. Plastic surgery financing can help you get the procedure you need with a payment plan that fits your budget.

Unlike a conventional insurance policy, cosmetic surgery financing through United Credit’s lending partners may cover the entire cost of your procedure, up to $25,000. This includes plastic surgery procedures like:

• Breast augmentation/reduction
• Hair restoration
• Tummy tuck
• Facelift
• Gender reassignment procedures

Insurance companies are designed to limit and spread risk among the pool of customers, thereby limiting the financial damage both to clients and the company in the case of a payout. In many cases, insurance companies restrict their payouts to “medically necessary” procedures. This means “elective” procedures like cosmetic surgery treatments most likely won’t be covered. Check with your insurance provider for more information.

Cosmetic and plastic surgery costs vary widely depending on factors like the type and extent of the procedure, the billing practices of the surgeon, and how much, and what intensity of postoperative aftercare you need. Some points to consider before you pay for your surgery include:

• How much does your provider estimate the surgery and all associated costs will run? Most providers should be able to give you a fairly accurate idea of the total amount a procedure will cost.
• Can another provider perform the procedure and still give you the results you want?
• Is it possible to have a less expensive alternate procedure that can achieve a similar outcome?
• Does your provider offer in-house surgery financing?
• What other outstanding secured and unsecured debt do you have, such as credit cards, student loans, back taxes, mortgage payments, or car loan notes?

When you have the answers to these questions, you’ll have a financial picture that can help give you an idea of your next steps.

Many plastic surgeons offer plastic surgery financing, some in-house, some through loan brokerages. Before you agree to a procedure or payment plan, you should always get a second opinion on your procedure and evaluate the fine print of the terms carefully so you know what you’re getting into and can make sure the procedure and plan you ultimately go with is the right one for you. United Credit offers financing for cosmetic surgery and can help you skip the frustration of sorting through payment plans so you can discover a plastic surgery financing plan that works with your budget and life!

The best financing depends on your needs, your credit, and your financial goals. Things like monthly payments, loan terms and conditions, and APR all work together to make your ideal loan that’s unique to your situation. The United Credit team is dedicated to connecting you with the loan that best meets your needs and fits your budget.

With our industry-leading network of lending partners, you can access loan options for cosmetic surgery, veterinary and pet care, bariatric surgery, and major retail purchases.

We recommend checking services like Credit Karma, requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a loan.

Your credit score depends on several factors, including your current income, history of making timely payments for existing loans, whether you’re currently enrolled in debt forgiveness programs, the ratio of “good debt” to “bad debt,” how long you’ve had a credit history and your bank account history. If you find incorrect information in your credit history, you have the right to appeal it and request your score be corrected. This can help you improve your credit score.

However, just because your credit history is less than ideal doesn’t mean you can’t get a loan. When you submit an application, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score. Individual lenders may run a hard credit check, which will impact your score, which is why it’s essential to know what your credit report contains.