How much of a deposit is required if I get financed?

Congratulations on approaching your Mommy Makeover surgery in such an intelligent and organized fashion.The Mommy Makeover, while yielding almost always incredible results, requires a serious commitment of time, economic resources, and planning and putting into place a great support system.  People such as you, who get all their ducks in a row before even talking to a Board Certified plastic surgeon, have more reasonable expectations (and they are usually surprised that they get better results than they anticipated), the recovery goes better and they are back to the real world faster.That being said, the specific answer to your question is all over the board.  Some plastic surgeons require a 10% deposit, some a 20%, and some no deposit at all.  As far as in house financing is concerned, the majority of plastic surgeons that I know have a relationship with financing companies that work specifically with plastic surgeons.  There are several companies out there, including some of the larger banks. that lend money specifically for cosmetic surgery through cosmetic plastic surgeons' offices.  I am sure you realize this, but not all plastic surgeons are created equal.  Continue your research to determine the top three Board Certified plastic surgeons in your area for your Mommy Makeover without consideration as to price or financing.  Have consultations with all three, then work on the financing with the patient care coordinator at each office.  Financing and down payment are certainly important.  However, once you found the right Board Certified plastic surgeon for you, it may be necessary to postpone the surgery to garner the finances necessary for the down payment, etc.  Surgery done correctly by a great Board Certified plastic surgeon is always less expensive in the long run.

Cosmetic surgery can be a life changing event. In order to fully enjoy the benefits you must also feel comfortable with the financial obligations. Traditionally the cost of cosmetic surgery is paid "up front" meaning before the procedure is performed.. In order to meet this financial obligation a patient can either save up for it in advance or use some type of credit. 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 without a down payment The interest rates for these 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.

Every plastic surgeon has their own financial arrangements and options for patients. There are lending agencies, credit unions specific for plastic surgery. Credit cards and combination of payment plans are available as well as loans from your bank. Before you visit with a board certified plastic surgeon, ask to speak with the financial advisor to obtain this information.