Can my Boyfriend Apply for Cosmetic Surgery Financing but Use It for Me if Approved?

Cosigners such as your boyfriend may be possible if your credit is lacking. Contact credit agencies for details. Care Credit, Alpheon Credit, and credit cards in general will allow you to make payments to pay off the loan. Each has different arrangements and rates based on your credit.

There are several financing options available, offered by a third party. These allow you to pay for your surgery from just a couple of hundred dollars a month. However, payment policies vary depending on the surgeon, so it's best to ask your surgeon directly.

You will have to discuss this with the bank and be transparent with your distribution of funds.  If it is just a personal loan, the likely will have little concern of how you spend it.  Each practice has their own policy of how they finance surgery.  Usually payment prior to surgery is the most common.

Breast augmentation in a young woman who has had children is a very common and appropriate procedure, but I question the second part of your anticipated cosmetic surgeries--facial fat grafting. You look young and attractive in your photo, and except possibly for the nasolabial folds, I see nothing that would be benefited by fat grafting (except perhaps the surgeon's wallet!). Are you sure your surgeon is certified by the American Board of Plastic Surgery? There are lots of "bogus" boards out there that certify just about any physician who wants to claim Board Certification, but without the complete plastic surgical training, rigorous written and oral testing, and ethical requirements of the ABPS.

Other than those concerns, there are indeed financing options that reputable plastic surgeons' offices have available, including CareCredit and Med Loan Finance, among others. Best wishes on your new look and upcoming wedding!

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.