Plastic Surgery Financing

Finance Your Plastic Surgery

Facial plastic surgery costs run from not very expensive to very very expensive. For example, if you go to your plastic surgeon’s office for a simple salicylic acid chemical peel, that won’t hit your wallet very hard. But if you go for a deep chemical peel, that hits it harder. If you need a face lift, well that can run quite a bit of money, on average more than $6,000 in surgeon's fees and probably more than $8,000 in total cost. If you combine face lift with eyelid surgery or brow lift as is often the case, your expense will be even higher. When plastic surgery gets expensive, how do you pay for it?

Most plastic surgery practices accept multiple payment types. You may have enough saved to use cash. If not, you can probably pay using credit cards or you may be eligible for a plastic surgery loan.

Credit Cards and Plastic Surgery

Credit cards are an easy way to pay for plastic surgery such as eyelid or nose surgery. Most plastic surgeons accept many different credit cards like American Express, VISA and MasterCard. Since you already have them, you can use them as long as you have available credit on them. However, most credit cards carry very high interest rates, some over 20% per year. That is expensive money. If you can’t pay it back right away, the interest will be quite significant over time.

Plastic Surgery Loans

Plastic surgery loans are widely available to today’s men and women who want to improve their appearance. Most plastic surgeons work with at least one lender who specializes in plastic surgery loans. These plastic surgery financing providers usually have the ability to give you flexible terms and amounts. You may borrow as much as $25,000 if you qualify or as little as $1,000. Payback periods can be structured from 6 months to 5 years. Interest rates vary, but they are almost always significantly less than credit card interest rates.

Most plastic surgery lenders look at your basic credit history and credit rating to determine if you are eligible and how much they are willing to lend. If you do not qualify on your own, most will accept a co-signer with better credit to help you. Your plastic surgeon should have someone in his or her office that will help you to apply for a loan. They can explain who you will be applying with and how long it will take for the lender to approve of decline your loan. Often, the approval process is quite fast.

Keep in mind that plastic surgery loans can be used to pay for facial plastic surgery or for body contouring procedures like breast augmentationbreast lifttummy tuck and liposuction.

Other Ways to Pay for Plastic Surgery

While you may not want to use it, cash is always an option to pay for your plastic surgery. If you have enough cash saved you can write your plastic surgeon a check and be done. However, make sure you leave a little money in the bank for a rainy day. It’s probably better to have a little cash and a little debt than to have no cash and no debt.

Homeowner’s loans, refinanced mortgages and second mortgages are all ways to raise the money too. If you have equity in your house or apartment, your bank will probably make a low interest loan on it and allow you to use the proceeds to pay for your plastic surgery. Interest rates on homeowners loans and mortgages are much lower than those on credit cards so this may be a better option long-term. However, the application process can be slow and you are not guaranteed they will say yes.


There are many ways to pay for your plastic surgery if you really want it. You can use cash, credit cards, or various types of loans including plastic surgery loans, homeowners loans and mortgages. Credit cards will charge you the most interest expense, but they are fast and easy to use. Homeowner’s loans and mortgages take the longest, but generally have favorable interest rates and long terms. Plastic surgery loans are quick and usually include low interest rates and flexible terms. Ask you r plastic surgeon for your plastic surgery loan application.

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