What is the credit score required for approval with CareCredit? What about payment plans through your surgeon?

Question

I will be putting down a descent size deposit for my Breast Aagumentation but I sure I will need some help covering the rest.

George Marosan, MD · Answer

Care Credit does a credit check and based on that will provide you with a certain amount. There are other companies who finance cosmetic surgery and they have less stringent requirements. You can talk to your surgeon about a payment plan, but this practice would be rare. We have patients who after their consultations decide to have surgery, but do not have the immediate funds to cover it. They pay us a monthly amount (whatever they can afford) and when they have it fully paid, we schedule their surgery. It is like a lay-away plan.

Nelson Castillo, MD · Answer

Thank you for your questions.  Because CareCredit is extending you money in order to pay for a procedure, they want to see your credit report in order to gauge what kind of "risk" you are to repay the full amount loaned.  It is similar to when you purchase a car, the loan company runs your credit report to check and see if you will be able to make your monthly payments.  As far as financing, there are some physicians that can accept payment plans, but this is surgeon/practice specific, and you would have to ask them directly.

Zachary Farris, MD, FACS · Answer

It is unclear what exact minimal credit score is required for approval with CareCredit.  You may contact them to get a better idea.  Most surgeons do not offer their own financing or payment plans.

Connie Hiers, MD, FACS · Answer

You can talk or go online with Care Credit and fine out about details of credit score and amount of the deposit. Also, you can discuss this with the office manager at your surgeon's office.

Bruce Hermann, MD · Answer

Hello! Thanks for your question and congrats on your decision to get a breast augmentation. You would have to ask Care Credit what their requirements are for use of their services. I don't think any surgeon will be able to give you reliable information about this. As for payment plans, I don't know of any surgeons that do that kind to thing for cosmetic surgery, but it is certainly something you can ask your sugeon about.Hope this helps.

Ronald V. DeMars, MD (Retired) · Answer

You just go on their website, fill out the application for what you want and they will tell you if it's approved or not. Many offices will let you make payments, but of course the entire fee must be paid before surgery.

What is the credit score required for approval with CareCredit? What about payment plans through your surgeon?

Answers (6)

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