Our financial staff specializes in this area and will use their expertise to help you obtain the maximum benefits from your policy. Payment for cosmetic plastic surgery is due in full at the time of your preoperative visit. We provide a number of payment options that may be used individually or combined according to your wishes.
Please see a coordinator for details on this discount. This is the credit card you need exclusively for your health and beauty needs. With low monthly payments every time you use it, you can use your card over and over for follow-up appointments or different procedures. Please note: We only offer the Six-month no interest plan and month extended pay plan at The benefits paid by insurance companies for plastic surgery vary greatly from carrier to carrier and plan to plan.
Therefore, we make every effort to determine in advance if insurance coverage exists. APR 4. Key facts LightStream targets strong-credit borrowers with no fees and low rates that vary based on loan purpose.
Pros No fees. Cons No option to pre-qualify on its website. Qualifications Minimum credit score: Several years of credit history. Strong payment history with few or no delinquencies. Investments, retirement savings or other evidence of an ability to save money. Enough income to pay existing debts and a new LightStream loan. Fees Origination fee: None.
Late fee: None. Disclaimer Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Universal Credit. APR 8. Key facts A Universal Credit loan is an option for bad-credit borrowers with high debt-to-income ratios, but rates are high compared to similar lenders.
Pros Offers rate discount with direct payment to creditors on debt consolidation loans. Option to change your payment date. Offers free credit score access. Minimum number of accounts on credit history: 2 accounts. Available Term Lengths 3 to 5 years. Fees Origination fee: 4.
OneMain Financial. APR Credit Score None Average score is - Credit Score None. Key facts OneMain is an option for bad-credit borrowers, but it comes with high starting rates and an origination fee. Pros Option to choose your payment date. Offers joint and secured loans. Cons Rates are high compared to other online lenders. Charges origination fee. No rate discount for autopay. Qualifications Minimum credit score: None.
Available Term Lengths 2 to 5 years. Disclaimer Not all applicants will qualify for larger loan amounts or most favorable loan terms.
Key facts Upstart is a good option for those who have short credit histories and promising financial futures. Pros Accepts borrowers new to credit. Cons Borrowers can choose from only two repayment term options. No mobile app to manage the loan. Must be at least 18 years old. Valid email account required. Personal bank account with U. Disclaimer The full range of available rates varies by state. APR 7. Key facts LendingClub is a pioneer of peer-to-peer lending and a good option if you want to consolidate your debt.
Pros Offers co-signed and joint loan options. Cons Borrowers can only choose from two repayment term options. Charges an origination fee. Qualifications Minimum credit score of Minimum credit history of three years. Things to compare among cosmetic surgery loans. Pre-qualify for a cosmetic surgery loan. Alternative ways to finance plastic surgery. Last updated on August 9, To recap our selections Upgrade Check rate on Upgrade's website.
Check rate on Upgrade's website. LightStream Check rate on LightStream's website. Check rate on LightStream's website. Universal Credit Check rate on Universal Credit's website. Check rate on Universal Credit's website. None Average score is - Check rate on OneMain Financial's website.
Plastic surgery is expensive, and more people are undergoing cosmetic procedures. In addition to traditional credit cards, your surgeon may accept medical credit cards, like CareCredit or Alpheon Credit.
As with a traditional card, you would use the medical credit card to pay your bills from cosmetic surgery and then make monthly payments to the credit card company.
Medical credit cards are different from traditional credit cards though, because you can only use them to pay for medical procedures, or other healthcare needs, and only within a specified network of healthcare providers that accept the card.
But like traditional credit cards, medical credit cards can come with high interest rates — though they may include a promotional deferred-interest offer when you first sign up.
That means paying no interest on a purchase for a set period of time before the interest kicks in. And that can really add up. Another option to pay for your cosmetic surgery is a personal loan from a bank, credit union or online lender. Personal loans are available for a variety of purposes, including plastic surgery and other medical expenses, though it depends on the lender.
When applying for a loan, a lender will usually review your credit, along with other financial information, as a way to help determine your ability to repay the loan. Take note that a credit review will involve the lender pulling your credit reports, which involves a hard credit inquiry and could negatively affect your credit scores.
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