Are there any doctors (U.S. based) who offer in house financing? Not layaway (Photo)

I am looking to put 40-60% down on breast augmentation and tummy tuck and pay the rest through them after the procedure on terms agreed. I had liposuction to abdomen and flanks in March.

Doctor Answers 8

Mommy Makeover and Payment Options

A Mommy Makeover is a combination of procedures to bring a woman’s body back to the way she looked prior to pregnancy. Most commonly some variation of a #TummyTuck and #BreastSurgery are performed. Additional procedures can include liposuction, umbilical hernia repair.  The most common #breastprocedures include #mastopexy or #breastlift, #breastaugmentation, or #breastreduction. 

The costs of a #Mommy Makeover will depend on several factors. Such include the geographic location, the skill and experience of the surgeon, and operating room and anesthesia fees.  However, many payments plans exist for cosmetic procedures. Ask your surgeon's office about finance programs and lenders they may recommend as well as personal loans available through financial institutions.

Your procedures should be performed by a #PlasticSurgeon who is board-certified and has a great deal of experience specializing in cosmetic #surgery. You will then greatly improve your chances of getting the result you desire, and, without the need for a revision surgery. It is suggested that you look at before and after photos of the surgeons actual patients, and read patient reviews. Gathering all of this information will help you make a well-informed decision.

Orange County Plastic Surgeon
5.0 out of 5 stars 109 reviews

Dr Derby Sang

It might be wise to verify the medical financing companies like Carecredit etcetc.They can give you a very realistic payment plan based on your budget. Best of luck

Derby Sang Caputo, MD
Dominican Republic Plastic Surgeon
5.0 out of 5 stars 77 reviews

Likely won't find "in-house" financing

Most surgeons aren't in the banking business.  Even if you agree to terms, it's hard to care for a patient that has defaulted on the agreed financial plan.  CareCredit is a good program that has flexible programs.  There is also a program called "sugeryloans."  Most offices accept credit cards too.  Good luck!

Robert S. Houser, DO
Columbus Plastic Surgeon
5.0 out of 5 stars 15 reviews


In your situation, I suggest you look into CareCredit. There may be other financing office that would be offered per office/practice.

Kiran Polavarapu, MD
Fort Worth Plastic Surgeon
5.0 out of 5 stars 38 reviews

Care credit

You should look into care credit that offers no interest financing if you pay them off within one year.

Sheila S. Nazarian, MD
Beverly Hills Plastic Surgeon
4.8 out of 5 stars 56 reviews

Medical financing


While I cannot speak for all practices, many plastic surgeons offer a variety of financing options. Our practice, in particular offers two. We would be happy to discuss this further with you. 

Kimberly Singh, MD
Atlanta Plastic Surgeon
4.9 out of 5 stars 21 reviews

Medical financing

Most plastic surgeons don't allow in-house financing.   With health information privacy issues and legal restrictions, it is difficult for us to collect is a patient refuses to pay after the procedure.  Financing options include Care Credit, Medical Financing, and Alphaeon.   And, most of us accept major credit cards like Visa, MasterCard, Discover, and American Express. 

Joseph Franklin, MD
Durham Plastic Surgeon
5.0 out of 5 stars 8 reviews

Are there any doctors (U.S. based) who offer in house financing? Not layaway

Our practice does not offer in-house financing. 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.

Tom J. Pousti, MD, FACS
San Diego Plastic Surgeon
5.0 out of 5 stars 1,486 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.