Are there any other financing companies available if Credit Care does not cover my needs?

Question

Hi, I'm 29 years old , I my Credit score was above 700 last time I checked. I want to get 2 procedures done most likely after the holiday breast lift , tummy tuck. I want to get both procedures done together so I don't have to go through healing twice. I was wondering if it's likely to get approved by credit care for a generous amount. I have a great job and pay my bills on time. I'm hoping to get approved for at least 11,000. Is there any other financing companies that would be worth applying for?

Michael S. Beckenstein, MD · Answer

There are several options including local credit unions. Their interest rates are usually lower than care credit's. Banks also have lifestyle loans that have reasonable rates. All of this is based on your credit rating.

Kenneth Hughes, MD · Answer

My office deals with CareCredit, and my office manager can help you with those aspects.Kenneth Hughes, MDLos Angeles, CA

Lawrence Iteld, MD · Answer

The first step is to find a surgeon whom you feel comfortabke working with then submit an application to CareCredit, Alphaeon Credit, or other credit bureau. Each agency has it's own algorithm for approval so if one does not work, another may.

Vincent N. Zubowicz, MD · Answer

You should be able to get credit care approval. Expect to pay to $2000-$3000 for liposuction of two areas.

John J. Edney, MD · Answer

It sounds as though you should be able to finance your cosmetic surgery considering your good credit score and your history of prompt and reliable payments.  Many practices will allow patients to pay with credit cards.  If a patient's credit is not ideal occasionally a family member will either lone them the money or cosign a loan with them.  Other options include utilization of some type of credit designed specifically for cosmetic surgical patients.  There are several different companies that provide loans for cosmetic surgery.  The interest rates for thes types of loans are usually higher than a conventional lone because it is unsecured.  Unsecured means that the lender has nothing they can take back' such as a car or a house' if a person fails to make the payments.  Although there are many companies who make these type of loans two of the most popular lenders seem to be CareCredit and Prosper.  Our patient's have had a good experience with both of these programs. Another popular company is Alpheon.  These type of lending companies allow you to make your application over the Internet and provide an answer  quickly.  It is important however to find out beforehand  whether their inquiry will effect your credit score.  Some companies have what is called a "soft inquiry" which will not affect  your credit score.  When considering a loan company such as these it is very important to understand the terms of the lone and the differences between different lending programs.  Some of the questions that you should ask when comparing different lenders are: What are the amounts available?  How long are the terms good for?  What are the interest rates  and do they change? Is the money funded directly to the doctor or the patient?  What are the transaction fees.?  Will the interest rate and monthly payment change during the life of the lone?  Are there any pre-payment penalties?  Will all treatments, procedures, medications and associated costs such as travel and lodging be covered.  Each company is a little different.  You should be careful in selecting the one that best fits your particular situation so that your financial obligation does not interfere with the potentially life changing experience of your cosmetic surgical procedure.

Florence Mussat, MD · Answer

Hi There,we are with Care Credit, but remember to also check with your own bank ? Care Credit has a 14.9 % rate, so maybe you can beat that rate ?anyways, find the Board Certified Plastic surgeon you like first, and get all quotes in writing.good luck,Florence Mussat

Josef Hadeed, MD, FACS · Answer

Thank you for your question.  Care Credit is one of the more popular options that patients may choose to finance their cosmetic procedures.  Another company which has recently started offering financing is Alphaeon.  Some plastic surgeons also offer financing through their practices.  Be sure to read the fine print of any loan you are considering.  Good luck.

Peter E. Johnson, MD · Answer

We use Carecredit and feel this should work out for you as well to finance a tummy tuck and breast lift. Other options our patients find helpful are their local credit unions.

Ronald V. DeMars, MD (Retired) · Answer

I think you are referring to a company called CareCredit and you can apply easily online at their website.Another company our patients like is called American Healthcare Lending.

Are there any other financing companies available if Credit Care does not cover my needs?

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