Mommy Makeover: Q&A

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Plastic Surgery Financing - What Are Some Reputable Lenders?

I need financing to help me pay for the breast augmentation and liposuction (i.e. mommy make over) I plan to undergo this summer, but I am kind of weirded out about getting a loan for this. I don't want to end up dealing with some sleazy creditor that preys on people like me who just want to look and feel a little better about their bodies. Can any doctors out there speak to which lenders their patients have worked with? If you've heard any horror stories or would recommend one lender over another, please share.

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Care Credit financing

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35 Doctor Answers | Asked by anon

Doctor Answers (35)
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Plastic Surgery Financing - Buyer Beware

I am strongly against plastic surgery financing programs, and I have never offered them in my practice. Most, if not all, plastic surgery financing plans are not only a bad idea but also a bad deal for many patients - in some ways that are easily apparent but in other ways that are not as obvious. The most obvious way in which these plans are unfavorable and therefore undesirable is their terms, which often are interest-free for as long as a year, but that revert to an interest rate... more

Michael Law, MD

17 reviews

Raleigh-Durham Plastic Surgeon

michaellawmd.com

CapitalOne or Care Credit, but do not bite off more than you can chew!

Hannah: You are not alone wanting cosmetic surgery but having to take the next step to finance the procedure(s). With the economy taking a downturn, we are seeing more of our patients financing. Our top Ienders are CapitalOne and Care Credit. I agree with Drs. Groff and Freund, that CapitalOne and Care Credit represent two of the most frequently used companies and they seem reputable. On a less frequent basis, we have seen a few of our patients using their personal credit cards, but... more

Financing for plastic surgery

My practice uses Care Credit to help with patient financing. I have not had any issues or complaints with my patients about this lending group. It is always better for both you and your surgeon to avoid using the lending companies if possible. Be careful not to miss any of the scheduled payments or the interest rates can be significantly increased. Also make sure that you have a workable plan to pay off the loan.

Cosmetic surgery financing

Many board-certified plastic surgeons are enrolled with CareCredit. There are other financing companies, but the general economic downturn has led to some major "players" on the financing scene abandon health care financing. I think it is more important that you feel comfortable with the surgeon/facility/staff and procedure treatment plan and then your surgeon's office should be able to help you navigate through the process and make it easier on you to sort through the... more

Financing Options for Cosmetic Surgery

Many American Society of Plastic Surgeons member surgeons work with CARE CREDIT. Once you have selected a board certified plastic surgeon, speak to his/her office staff to learn more about other financing options available.

Financing surgery

Many patients will finance their surgery. With rates currently so low it is certainly a good option for anyone. There are several different ways you can borrow and or finance the cost. The best deal would be to use a home equity loan because of the low interest rate. You might need a relative to co-sign. If you do not have a house, or enough equity there are other companies which will lend you the money. The most popular is Care Credit. They have several different plans that you can take... more

Lenders for Cosmetic Surgery

You MUST be able to pay off any cosmetic surgery loan in a year or less and have health insurance in case you have a complication. Always check the interest rate. Anything over 5% is high. But some loans now are interest free the first year. These are some common options: your credit card. Family loan Bank loan, secured on a car, home or other asset Care Credit. Run by GE, this is a reputable cosmetic surgery lender. I offer my patients a lay-away... more

Financing a Mommy Makeover

For my San Francisco Bay Area patients, we refer them to CareCredit and MyMedicalLoan.com. But be sure to check what interest rate they will charge and compare to a credit card. Some patients apply for a line of credit or an equity loan on their home for the lowest rate, but be careful don't get in over your head and put your home at risk. Perhaps a family member can help out or you could do each procedure after saving for it instead of all at once. Good luck! see video

Financing for Liposuction and Breast Augmentation in Atlanta

We have utilized finance companies for the past 10 years. If you have excellent credit we can offer a 12 month interest free loan, as determined by the credit company. We have found our finance companies easy to deal with and they work to make it a quick process for the patient with an answer to your application within 72 hours.

Plastic surgery loans

There are many financing companies out there, but like most responders, we have found CareCredit is reputable and very popular. Care Credit works like a credit card with a revolving line of credit. EFFECTIVE 4/10/09 CAPITAL ONE IS NO LONGER FINANCING HEALTH CARE. Of course, your loan will depend on your credit history verified by a credit check. Another option is to ask your doctor if you can make payments to them. Once you've reached the full amount due, you can have surgery.... more

Care Credit but be cautious

Thanks for the question Hannah - In my East Bay practice we accept Care Credit. However, be sure that you're financially prepared to take on a loan for plastic surgery. Dr. Law brings up excellent points regarding interest and affordability. However, even in practices that are "strongly against patient financing programs" usually take credit cards - in many ways the same thing and many times even at the same interest rates. The bottom line is be a responsible borrower, find a board... more

Plastic Surgery Financing

CareCredit is hands down the most reputable lender for cosmetic surgery. The application process is fast and easy. I keep a link on my website for patients to use. Approval only takes a few minutes. They have several payback options. Be sure to pay off any balances on the plans that offer 0% in the time allotted or you make end up paying for interest from the beginning.

Care Credit Is An Excellent Financing Lender for Cosmetic Surgery

For many patients, cosmetic surgery would not be possible without some type of financing. In our practice, we almost exclusively utilize Care Credit. This is currently the most commonly used source of financing in the United States. The company is run by GE capital financing. It’s reputable and you can apply for a loan online. It takes approximately thirty minutes to get a response. In some cases, you may be able to get a twelve month interest free loan. Financing is not for everyone;... more

Financing

I offer care credit and surgery loans through the office. Credit cards are also accepted. I advise the patients to only perform the surgery if the know they are fully able to pay the loan before they are roped into the abyss where they are paying 35% interest. I am helping with financing the patient through all of these services

Financing plastic surgery

Care Credit is a company that many plastic surgeons use, and our patients often apply for financing through this lender. As with any financing or credit card, it is very important to understand the payoff options and interest rates, especially if there is an initial interest-free time period. Your plastic surgeon's office staff should be able to help guide you through this process. Good luck!

Carecredit.com is a reputable financing company

In my office we use carecredit.com when patients are interested in financing. They are good about extending credit and they have attractive rates. But remember, its important to be realistic about what you can afford prior to going forward with a procedure.

Plastic Surgery Financing - What Are Some Reputable Lenders

The finance company I am most familiar with is Care Credit. They have provided loans for cosmetic surgery for many years and are a reputable company.

Payment plans for Plastic Surgery

We offer our patients CareCredit. You can go online for approval. This takes a few minutes online. Patients seem to be very pleased with this program as it caters to elective surgery. Some patients prefer to set up an account at the office, and make payments until they have paid for the surgery. Explore your options, but see a Board Certified Plastic Surgeon, certified by the American Society of Plastic Surgery (ASPS) for your best results. more

Robert E. Zaworski, MD

4 reviews

Atlanta Plastic Surgeon

Financing for Mommy Makover

Dr. Law's post brings up excellent points. Please make sure you are not over extending youself. Also remember that sometimes things don't go as planned. You may have more recovery time, (and time off work). In the very rare instance, you may have to back to the O.R. (for bleeding, etc;). Best to ask your plastic surgeon who he/she uses. Take your time and decide. Remember this is elective surgery. You do not need to rush into... more

CareCredit seems reputable.

My patients have almost exclusively used Care Credit when they are financing a loan for their plastic surgery. CareCredit is is a part of GE Capital financing (and they have been around for a long time). My experience with many of the other "medical loan" companies has not been so favorable. The patient's loan interest rates can be very high and some of the loan companies also charge the surgeon a large percentage of the loan amount up front. more

Reputable Lenders

Good medical financing companies are getting harder to find as some of the reputable ones like Chase Health Advance have left the field. CareCredit is still the leader.

Plastic Surgery Financing

Care Credit is probably the most popular company for plastic surgical loans. We have found them ethical and have few complaints from our patients. The most important thing is making sure you can afford the loan conditions and realize in the long run you of course are paying more due to the interest than waiting, saving up and paying the whole amount when you have sufficient funds available. Many women set up a banking account separate from their other monies to save for such an... more

Plastic Surgery Financing.

Care Credit is one of the more popular financial institutions. Many board-certified plastic surgeons are enrolled with CareCredit.

Paying for plastic surgery.

Hello, Financing plastic surgery procedures is a relatively common occurrence today. In years past, patients dipped into their home equity or other sources of equity to finance plastic surgery. The most common and most reputable credit/financing companies for plastic surgery are CareCredit and Chase CapitalOne. You will have to judge for yourself the benefit of taking on debt to finance plastic surgery. It may be a good investment for you but you will... more

Financing Plastic Surgery Procedures

Thank you for the question. In my practice, we use Care Credit, CosmetiCredit, and Chase Health Advance. All 3 of these companies 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. Best Wishes!

Plastic surgery financing

CareCredit is the most reputable and largest cosmetic surgery financing company in the US. You can receive approval online in a matter of minutes and most plastic surgeons offer this type of financing. You can locate them online or consult with a local plastic surgeon for more information. Best wishes, Dr. Bruno

Cosmetic Surgery Financing

When looking to finance your cosmetic surgery, you should always look for reputable companies. In Canada there are two companies that specialize in cosmetic procedures: Medicard and CreditMedical. In addition to these, you can always go to your bank and request a loan or a line of credit (which in fact may have a better rate then Medicard/CreditMedical). Shop around for the best rate but avoid shady businesses. (and remember... the best rate is 0%... when you save... more

Carecredit is my favorite

I work with carecredit. obviously there are many other reputable companies out there, however make sure you read the fine line and avoid any inflated fees. I have seen some companies charge many inflated fees, and just make sure you read the fine print before signing any documents. I have also worked with surgery loans which had a good reputation as well.

Options for Plastic Surgery financing Montreal

In Montreal Plastic Surgery financing can be obtained through two main providers, both highly reputable. These are Medicard and Credit Medical. They both offer flexible plans and can usually approve a patient within 24 hours of their application. Their interest rates vary according to a patient's credit history but are not unreasonable. Many of our patients have used these plastic surgery financing plans with success.

Plastic Surgery Financing

Finance companies like CARE CREDIT are available at each plastic surgeon officde, you can apply on line and get answers in15 min., your bank, credit union, family creddit cards. You need to think of the cost of the surgery, surgeon, anesthesia, facility. However what is your contingency plan if you need another surgry for unwanted results or complications. Lately, I heard they are charging 20%.

Credit choices are available

At our office we use Care Credit and Capitol One, each offers alternatives. Most of our patients have been satisfied with their service.

Care Credit or CapitalOne

Plastic surgery has many things that may be overhyped, or promise too much without delivery! The cost for good or bad procedures can be rather steep. But the great news is that CareCredit and CapitalOne are two reputable companies with many different plans that suite your financing goals. As with any financing plan, be sure that the payments do not make it difficult for you to pay for your essential daily needs.