Mommy Makeover Plastic Surgery Financing

Based on what others say here, a mommy makeover can be very expensive. Do all doctors that offer mommy makeovers provide financing options? Will they agree to payment installments over time on a credit card? what are other ways people afford it!

Doctor Answers 33

Financing for mommy makeover

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Patients in our practice can pay cash, charge the surgery on their credit card or they can use a company called Care Credit to obtain a loan for the surgery.  If a loan is obtained, the payments are set up with the credit company.   They offer six months with no interest or 24 or 36 month options with interest.  Most surgical offices offer some type of financing but not necessarily all offices.

Best of luck,


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Some surgeons offer financing options in their office- you would need to check with the surgeon you are interested in seeing. There is also a company Care Credit that can be used. Best of luck.

Financing a Mommy MakeOver

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Regarding: "Mommy Makeover Plastic Surgery Financing
Based on what others say here, a mommy makeover can be very expensive. Do all doctors that offer mommy makeovers provide financing options? Will they agree to payment installments over time on a credit card? what are other ways people afford it

The vast majority of Plastic surgeons offer their patients various ways to finance Mommy Make-Over and other Cosmetic Surgery procedures. Understandably, some sources of finance may be better than others. If you have a good credit score you MAY be able to get reasonable credit terms as a loan if you did not borrow it on your credit card. If you have a poor credit history you really should consider if looking better is worth going deeper in debt.

Philosophically, we would all differ on what is or is not worth borrowing for. I think that an education, a home to live in and surgery to improve your appearance are MUCH better ways to spend your money than clothes, sports events or vacations. But - you decide.

Dr. Peter Aldea

Peter A. Aldea, MD
Memphis Plastic Surgeon

The Approximate Costs of a Mommy Makeover

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The 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. Approximate #costs can be found here on the Real Self website,, or Also, the costs are contingent on the specific #procedures being combined in the operation. Such will be discussed in greater length during your one-on-one consultation. Also, such #combined operations are often performed with our Gynecology colleagues. Tubal ligation is a common post pregnancy procedure which is done at the time of many of the surgeries included with Mommy Makeovers. Therefore, if you require a gynecologic operation or study (laparoscopy) and are considering a plastic surgery procedure, discuss these issues with your doctor. Combining these procedures decreases anesthetics, costs, and recovery time. 

Financing options

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There are financing options offered by surgeons. The financing company pays off your surgery for you, and then you make monthly payments to the financing company. These payments can be just a couple hundred a month. My patients and I haven't had any problems dealing with the financing companies we've dealt with (Crelogix, Credit Medical).

Mommy Make Over plastic surgery financing

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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. 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 the 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.

Care Credit or Alpheon for financing

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We have had good success with Care Credit and Alpheon to help our patients finance their procedure.  I would discuss this with your plastic surgeon's office as they often have plans that can help you finance your procedure. Good luck.

Finncing Plastic surgery

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Check with your accountant. I wantto do all zi can for my clients, nut he advised strongly against it. First, a significant percentage cme right from the surgeon. Not just surgeons fees, but OR costs anesthesia, etc.  Additionally, I was informsred that missed payments cn be out of this world. therre may be other options.

View the video for more info. 

Michael Law, MD
Raleigh-Durham Plastic Surgeon
4.8 out of 5 stars 123 reviews

Financing Mommy Makeover

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Every practice has different payment policies. In Toronto, Ontario, most cosmetic surgery clinics offer financing through a third party, and the monthly payment plans can be very competitive. Even if a patient has bad credit, it may still be possible to get their surgery financed at just a few hundred dollars a month. Contact the clinic you're interested in and find out what their financing options are. Best of luck.

The Majority of Plastic Surgeons Offer Some Type of Financing Program for Cosmetic Patients

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For many patients, cosmetic surgery would not be possible without some type of financing. For this reason, the vast majority of plastic surgeons offer some type of financing program. With the availability of this type of program, plastic surgeons don’t typically take installment payments. They usually require full payment before surgery is performed.
In our practice, we almost exclusively utilize Care Credit. This is currently the most commonly used source of plastic surgery financing in the United States. The company is run by GE capital financing. It’s reputable and you can apply for a loan online. It takes approximately thirty minutes to get a response. In some cases, you may be able to get a twelve month interest free loan.
Financing is not for everyone; make sure you understand the fine print in your contract. Don’t take on more than you can handle. At some point, you will have to repay the loan. It’s important to have all your financing questions answered before proceeding with cosmetic surgery. In our office, we have financial consultants who can help you with this very important issue.

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.