» If you’re ready to take the next step and want to find a surgeon that suits your needs, use Zwivel’s online directory to find a doctor near you and set up a consultation. Once again, the balance must be paid within a promotional period. These are likely the same types of lenders asking you for collateral. You can, however, take steps to actually finance plastic surgery with bad credit. The SimpleSelect Standard plan can last 36, 48, or 60 months and comes with a fixed interest rate of 14.99%. If you’ve spent any amount of time researching medical financing, then you’ve come across CareCredit, the quintessential medical credit card. However, if you need something more flexible and safe, consider a lower interest fixed plan. There’s no getting around the fact that cosmetic surgery is expensive, but don’t let that scare you away. Medical procedures — cosmetic or otherwise — aren’t cheap. What are my options? This is dangerous. However, this same procedure may not be covered if the desired results are purely cosmetic. discuss your desired procedure with multiple cosmetic surgeons, find a doctor near you and set up a consultation, plasticsurgery.org/news/press-releases/more-than-16-billion-spent-on-cosmetic-plastic-surgery, lendingtree.com/personal/financing-options-plastic-surgery, creditcards.com/credit-card-news/financing-plastic-surgery-10-options.php. Will reach out to your surgeon to get them enrolled if they aren’t already. By showing the loaning institution that you have steady income, you'll be more likely to get a loan from them. If you have poor credit history but have turned your situation around, provide proof. Patients need a balance of at least $850 to qualify. You are likely to need at least $3,000 for a plastic surgery procedure, and perhaps a good deal more. If you're considering plastic surgery, call us at (407) 377-5438 or fill out our online form to schedule your in-person or virtual consultation with HZ Plastic Surgery's chief surgeon in Orlando. Review the report to make sure it is correct. The 0% interest typically applies for the life of the payment plan, usually between 3 and 36 months. Deferred interest makes it possible to pay less for your financing. Due to the intensely high costs of surgeries, patients often finance their procedures. Obviously, cost depends on the procedure. And since most insurance companies decline to cover plastic surgery when it’s performed for aesthetic reasons, patients often end up footing some very large bills. In some cases, whether or not a procedure is purely cosmetic is unclear. Should I get a Tummy Tuck or Brazilian Butt Lift first? BeautyLoans.org accepts all applicants regardless of the surgeon you choose. Some practices also offer in-house payment plans that allow patients to pay for a procedure in monthly installments. In order to participate in this plan, you’ll need a balance of at least $1,000. If the office you’re looking at does offer an in-house payment plan and you want to take advantage of it, then you can typically look forward to zero interest, and the debt will likely not be reported to the credit bureaus, meaning it won’t affect your credit rating. Financing for cosmetic surgery procedures with bad credit. These cards offer a perfectly legitimate method for financing cosmetic surgery. At HZ Plastic Surgery, we offer a layaway plan to ensure our patients can get the procedure they want with plastic surgery financing that makes sense. CareCredit® is a health, wellness, and personal care credit card that gives cardholders an easy, convenient way to pay for the care they want today (depending on approval), without spending their cash upfront or tying up cards they depend on for other expenses. You’re then given a simple fixed term loan with a set monthly payment that’s tailored to your financial needs. Bad credit breast reconstruction financing. Most practices have resources available for prospective patients when it comes to securing loans, credit cards, or other forms of financing. High-risk refers to how safe of an investment you are. Covers more costs than many other lending companies, including Alphaeon. Consult a plastic surgeon regarding costs. With thousands of doctor answers and counting, our forum is the best place to get expert opinions on cosmetic treatments. Can You Get Plastic Surgery Financing With Bad Credit. This plan gives you fixed monthly payments lasting anywhere from 24–48 months. The co-signer is putting their money and credit on the line for you. SimpleSelect Zero offers a chance to pay back the loan interest-free, without the danger of deferred interest. With loans between $2,000 and $50,000 or more, interest can definitely stack up. Every lender who actually wants to get paid back cares about income. As a result, you have to pay for your plastic surgery out of your own pockets. However, that also means no deferred interest and no surprise payments. $200 minimum for the deferred interest plan makes this a good financing option for smaller procedures. Generally, these lenders will take you on as long as the estimated monthly payment is under a certain percentage of your verified income. See how we can help today. For example, the average cost for silicone breast implants is about $4,000. Alphaeon is not as widely accepted as CareCredit. When you apply, you’ll know immediately if you’re approved. I have crepe skin on my legs and arms mostly. Since the reasons for plastic surgery are usually cosmetic, it is rarely covered by insurance. How you choose to pay for your surgery can matter to your surgeon. SimpleSelect claims to have no deferred interest, so if the zero interest loan isn’t paid off in the 18 month time period, it’s possible that interest rates kick in but are not applied retroactively. https://firstquarterfinance.com/plastic-surgery-financing-bad-credit But if you’re electing to get full-on cosmetic surgery, expect to pay thousands. You decide how much your payments will be, You decide how frequent you'd like to make payments within the 12 month window (you could pay once per week, once per month, etc). He has vetted several cosmetic surgery finance companies and has decided to support CareCredit. The total cost of your surgery will include surgeon fees, anesthesia, and operating room costs, like staff and machinery.