My credit is not good. But I want a Tummy tuck. I don't mind paying month and plus a big down payment. Any suggestions?

    Many offices will take payments prior to surgery until the balance is paid.Kenneth Hughes, MDBeverly Hills, CA

Most offices offer different methods of financing a tummy tuck. You should call a board-certified plastic surgeon of your choice and ask to talk to the office manager to review what they have available.

I don't know of any offices that do in house financing. Most use third party financing companies like Care Credit. You may also want to check with your bank as they will often set up a loan for you with lower interest rates since you already have a financial arrangement with them.

Thank you for your question. You can ask about payment financing options during consultation or you can call the office.

In my office we allow patients to use: All major credit cardsCashCare CreditUnited Medical LoansPersonal Loans (from their bank)Pay our office until paid in full then have surgeryThere are some offices that offer in house financing if you would need that. I would call your Board Certified Plastic Surgeon(s) of choice and ask what they offer in terms of financing. Ensure that before you apply for any credit you have a quote from the surgeon you are choosing to use as prices do vary from office to office. Bad credit is however better than no credit, so you may get approved! I wish you the best of luck. . 

Most plastic surgeons do not offer surgery before the bill is paid in full, but it doesn't hurt to ask.  If you make the payments preop then you can have the surgery at a later time.  Another option is to apply for a patient loan through care credit or a similar lending agency.  Most plastic surgeons offer at least one such financing option.  I rarely have a patient fail to qualify if we try two or three options - especially if they can make a big down payment.

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.

Most offices will accept payments but all payments must be completed prior to any surgery being performed. This is common practice throughout the country. There are several companies that will finance cosmetic surgery, but with poor credit you will probably not be able to go that route. 

Thanks for your question, you can look for PS that offer this financing for their procedures, do not look for lower prices with non certified Cosmetic doctors.Regards, Dr Kemil Issa

Most board certified plastic surgeons offer Care Credit as an option to finance surgery and to make monthly payments.  They are easy to work with and have various plans including a 12 month interest free plan.  They do however require at least an above 600 credit score and look at how you pay your monthly bills.  In my practice we also offer two more companies to talk with and they basically offer a loan to you based on your ability to pay and then you pay your surgeon.  The rates are very high but you can go ahead and have the surgery and enjoy paying for it over many months.  Prosper Bank is one of the other financial companies that we have had clients work our payment plans.  A big plus about them is that do not hit your credit score when applying and you can pay off the loan with no penalties.  Best of Luck!!!