Plastic Surgery Financing - What Are Some Reputable Lenders?

This is a common and important question.  Care Credit is a widely used lender.  Other individuals borrow money from existing or new credit cards which give cash back or "miles."  I think that it is super important for any borrower, whether it be for plastic surgery or something else, carefully read the fine print.  What would be most important for me as a consumer would be to know:  the interest rate, amount of time one is given to pay the loan, the exact fees (and all of them) that will be charged throughout the life of the loan, and whether there is a prepayment penalty (never know if you are going to win the lottery and be able to pay it off sooner...).  Best of luck.

Hello, and thanks for your question about financing options. At our office we use very reputable companies, such as Alphaeon, Care Credit, and others. There are great options and plans which can include no interest for a prolonged period of time and great payment plan options. It is very common for patients, like yourself, to consider using a financing company for their surgery. 

Each surgeons office will have a list of reputable groups that you can borrow from. It will depend on reputation and reliability and preference. Best of luck. 

Financing options are available for UK patients through my secretary where she will guid you the application process. finance is also available through the hospital where i operate. Again my secretary can sign post in the direction.

Hello. There are several reputable lenders. I have worked with Care Credit plenty of times. Never had any issues and to my knowledge, neither have any my patients.

Hopes this helps!
Dr. Miguel Mota

Excellent question! I understand that plastic surgery can be an expensive out of pocket cost. Our office offers financing through CareCredit. Keep in mind, some lenders have zero interest rates for a period of time (ex. 6 months), but their interest rates can be high over the grace period. Be sure that the interest-free window makes sense in your budget.

There are several companies that offer independent financing for plastic surgery procedures in Australia. We directly do not offer the finance but have had patients that have used both these companies previously; tlc.com.au/ and medipay.com.au/. Both have application forms available online and you can contact them directly to see if you are eligible or discuss their fees and payment options. Depending on your procedure, there is sometimes the option of receiving money through your superannuation. You can also discuss this directly with your superfund to see if you are eligible. As always, cosmetic and plastic surgery is a medical procedure and we always suggest and recommend you discuss and consider the potential risks with your Surgeon before making any decision to go ahead and have an operation. Please do your research and see a Specialist Plastic Surgeon who has the FRACS qualification after their name.

I encourage patient to save up for plastic surgery if possible because financing adds costs. We use Care Credit and Prosper, both are well established. Care Credit is owned by General Electric and is the largest medical financing company. There are some short term interest free financing plans, but check for fees and whether interest back-dates to the start of the loan if the interest free pay back period is exceeded.Good luck.

There are several companies that offer financing for cosmetic surgery. In my office, we use Care Credit.  They have been around for many years, and patients are pleased with them.  They often offer specials, such as zero percent financing for 12 months.  In my office, we assist patients with the application process, and explain the different plans.

In our practice we offer financing through Alphaeon credit and CareCredit. Our patients have been happy with both of these lenders and both offer no financing fees if paid in full within up to 24 month.

In my practice we use a lender called Care Credit. There are other lenders out there, but Care Credit gives my patients 12 months of financing with zero percent interest.  Best thing to do is call the prospective plastic surgeons and ask what's available.