Breast augmentation financing bad credit

I am considering Breast Augmentation, I am 34 A want to get 34 C. I have $1200 for down payment, but my credit is bad. Is Financing Available for Breast Augmentation in Las Vegas?

Doctor Answers 19

Breast Augmentation Financing

If you have credit concerns, I would recommend that you wait to have cosmetic surgery. Going into debt for a cosmetic procedure is not something I would advise any patient to do.  Save your money until you can reach a point where you can pay for your procedure in cash.  In the end, you will not only be happy with your breasts, but you will feel great knowing that you were able to have your surgery debt free!

Columbus Plastic Surgeon
5.0 out of 5 stars 23 reviews

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Financing is available in Las Vegas if you qualify



Financing is tighter now globally but if you call my office here in Las Vegas my staff can help you review your options. You can do this by calling 702-248-8989. The basic finance options are available at many practices.

Dr Edwards

Breast augmentation financing bad credit

Thank you for the question. In our practice, we use Care Credit as well as other companies; they have been used by our patients with no problems.  They do have different rates so please make sure you get all of the information you need prior to signing up with any financing company. Generally speaking, it is always in patients' best interests to achieve a certain degree of financial stability prior to undergoing elective surgery of any type. Patients should also keep in mind that additional surgery may be necessary in the short or long term, following the primary procedure that is being performed;  this additional surgery may be associated  out-of-pocket expenses. Again, best to achieve a physical, emotional, psychosocial, and financial “stable state” prior to considering elective plastic surgery. Best wishes. 


You have to apply to find out

We use CareCredit.  Each of the credit companies use different metrics to determine whether or not you are a good candidate for a loan.  The only way to find out is to apply.

Financing a breast aug

It will likely be difficult to secure financing for this - check out CareCredit to see if you qualify. If you have $1200 saved up already, consider continuing to save until you can pay cash - then you can enjoy your new breasts without the stress of having to pay them off. Best of luck.

Grant Stevens, MD
Los Angeles Plastic Surgeon
4.5 out of 5 stars 76 reviews

Breast Augmentation

There are financing companies that can help.  You may need someone to co-sign.  Another option is to save up until you have enough money to pay for the implants.  Some teaching programs through University plastic surgery departments may offer discounted prices if you allow a senior resident to perform the surgery.  You could look into that.


Asif Pirani, MD, FRCS(C)
Toronto Plastic Surgeon
5.0 out of 5 stars 30 reviews

Financing a breast augmentation.

Having difficulty with credit is quite common in this economy.

I do not practice in Las Vegas, but here in Maryland it has become increasingly difficult for our patients to finance through standard cosmetic surgery financing companies.  Many of my patients have access or belong to credit unions and interestingly I find that the credit unions sometimes will give far better rates than the average plastic surgery financing company.  This may be something you want to look into.

I would caution you that if you do finance with a plastic surgery financing company you should always be aware of what the final cost will be. These companies are in the business of making money and it's not uncommon for your surgery to cost twice as much with one of these cosmetic surgery financing groups.

Lastly, you may wish to start a separate account for maintenance.  Breast implants are generally not forever and atsome point require a replacement.  I think it's best to do have some money set aside for future maintenance as well.

Good luck.


Adam Tattelbaum, MD
Washington DC Plastic Surgeon
5.0 out of 5 stars 59 reviews

Financing with bad credit

As you've figured out, it is more difficult to get financing for plastic surgery if your credit score isn't great than it is to obtain a car loan.  That's because the finance company can always repossess your car but they can't get your implants back!  If you do not qualify for financing on your own, perhaps a member of your family would be willing to co-sign for the loan.  The other option is to set up a pay as you go/payment plan with a plastic surgeon in your area and have surgery when you've paid up. Good luck!

Robert L. Kraft, MD
New York Plastic Surgeon
5.0 out of 5 stars 14 reviews

Payment Plans through Care Credit

In my office patients use Care Credit. They offer a variety of payment plans, some have zero interest for 6 months. Care Credit also offers extended payment plans. Another company we use is Chase Health Care Advance. Both have websites you can visit.

Michael A. Fiorillo, MD
New York Plastic Surgeon
4.5 out of 5 stars 34 reviews

Financing breast augmentation


Care credit is a national surgery lending service but there are others.  I would do a google search and look at others.  You can also ask your plastic surgeon if he/she can finance a portion of the procedure although this is usually relatively rare.  There is also the barter system.

All the best,

Dr Repta

Remus Repta, MD
Scottsdale Plastic Surgeon
5.0 out of 5 stars 111 reviews

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.