Financing Plastic Surgery: Monthly Payments?

Can I pay for breast implant, lip enhancement, and rhinoplasty surgeries on a monthly basis instead of paying for them all at the same time? I'm wondering because I am very intrested in those 3 cosmetic surgeries and I am planning on getting them soon. I just want more information on it.

Doctor Answers 25

You can get financing for plastic surgery

Most plastic surgery offices work with reputable companies who will offer you credit and allow you to pay that company over time. You can avoid this, however, if you have a credit card limit that will allow you to pay and get miles.

Essentially, all plastic surgery needs to be fully paid up front so don't expect offices to allow you to pay them over time. Any office that allowed that plan would possibly be in such dire straights that you wouldn't want to be a patient there.

Please be careful not to get over your head paying for cosmetic surgery. It is not a good idea to tap yourself dry to have surgery. This never goes well.

Paying for plastic surgery with monthly payments

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.


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.

Jonathan Hoenig, MD
Beverly Hills Oculoplastic Surgeon
5.0 out of 5 stars 39 reviews

Financing your Surgery: Body Contouring, Breast Surgery, Plastic Surgery

There are many companies that finance plastic surgery procedures. In general, the options are in-house financing, if available in your surgeon's office, or commercial lending institutions.

Discuss the options for financing with your physician's office and confirm that the physician's office uses reputable lenders such CareCredit, Capital One, or Surgery Loans.

Raffy Karamanoukian, MD, FACS
Los Angeles Plastic Surgeon
5.0 out of 5 stars 85 reviews

With the economy taking a downturn, we are seeing more of our patients financing.

You are not alone wanting plastic surgery but having to take the next step to somehow afford the procedure(s). With the economy taking a downturn, we are seeing more of our patients financing.

CapitalOne and Care Credit represent two of the most frequently used finance companies and they have been reputable over the years. On a less frequent basis, we have seen a few of our patients using their personal credit cards, but PLEASE be aware of the terms of the loan, interest rates, etc.

Do not bite off more than you can chew! Take a good look at your budget and be practical. There are times where I advise my patients to split the procedures up and do the most important one first. And, there are times where it is best to wait until you are financially on more solid ground. Be prudent and be sensible.

Stephen A. Goldstein, MD
Englewood Plastic Surgeon

There are many financing options available.


There are many financing options for plastic surgery available. However, please make sure that you can afford the surgery/payments. Just because someone will give you credit, you should still make sure that it is reasonable for your budget. I often tell patients to make sure that they have funds available for twice the cost of the surgery. This makes sure that you will not run into problems if you end up being off work longer than expected or have some other expense that you were not planning on. Plastic surgery should be an enjoyable process for you. Financing just helps make the process easier. Good luck with your surgery.

David Shafer, MD
New York Plastic Surgeon
5.0 out of 5 stars 70 reviews

Payment plans abound

Care Credit is the financing plan approved by the American Society of Plastic Surgery.

Robert M. Freund, MD
New York Plastic Surgeon
5.0 out of 5 stars 27 reviews

Financing Plastic Surgery: Monthly Payments?

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.

Plastic surgery financing

Many different practices will use varying types of financing for plastic surgery. I use several companies, though I council patients that you may find a better interest rate on one of your credit cards rather than some financing programs, depending on your credit.

Additionally, remember that elective plastic surgery is exactly that- elective. I do not recommend patients getting into severe debt to afford cosmetic surgery -- don't let anybody pressure you into having surgery that you cannot afford!

Yes, 12 months interest free financing for breast implant in Atlanta

We can arrange 12 month interest free financing for patients with good credit. This is determined by the credit company. It is for any type of surgery the patient wants and is available for multiple operations.

Vincent N. Zubowicz, MD
Atlanta Plastic Surgeon
5.0 out of 5 stars 25 reviews

Financing is a viable option to make monthly payments on elective surgery

Financing surgery is a viable option for many patients. If you think about it, very few people are able to make large purchases with cash. Therefore, there are many options to pay for your cosmetic surgery with reputable financing companies including Care Credit, Surgery Loans and Health One Financial.

My best advice is to research your options thoroughly and choose a practice that proactively helps provide you with your payment and financing options.

Keep in mind when you consider financing any purchase the terms and patient interest rates. You've done a lot of careful research selecting your plastic surgeon, please make sure the decision to finance with a particular company is a careful one as well.

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.