I'm 18 with no credit, can i still use CareCredit for Rhinoplasty?

Question

I'm 18 years of age and looking to get Rhinoplasty done soon. The problem is I have no credit, can I still be allowed to use CareCredit? How does CareCredit work exactly?

William Portuese, MD · Answer

In order to be able to take third party financing, you'll have to apply for credit with that company. Once you have established credit with them, then seek out a consultation for rhinoplasty. Choose your rhinoplasty surgeon  wisely based on extensive experience because rhinoplasty is one of the hardest operations to perform correctly in the entire field of cosmetic surgery.

Arun Rao, MD · Answer

Thank you for your question. There are several options for financing your plastic surgery, some of the major financing companies are Care Credit, Alphaeon, and Advacned Care.  You apply to the individual companies and they will give you a range of financing options. Our office staff can guide you through the process, most of it is done on line.  Best of luck.

Arian Mowlavi, MD, FACS (license on probation) · Answer

You will need a FICA score of a minimum of 500 to 600 to get financing through either CareCredit or my favorite Alphaeon credit.

Richard W. Fleming, MD (retired) · Answer

Can an 18 year old with no credit use Care Credit for a Rhinoplasty. The best way for you to answer your question is to consult with a rhinoplasty specialist who will help you apply to Care Credit to determine if you can use their services.

Michael Elam, MD (retired) · Answer

Dear iochoa809, Rhinoplasty consultations are typically complimentary so you can seek consultation at this time and after your appointment the office staff can assist you in attaining credit through one of the credit companies. Often times at 18 years of age you will need to have a co-signor if you are not working. On occasions it is easier to attain a credit card on your own and many banks offer credit cards with lower interest rates. Or you can go to the care credit website at this time and can fill out an application and then they will either approve or deny you and if there is a denial they may ask for a co-signor. Once approved for a certain amount you can use that card and number at whatever surgeons office you decide to perform your surgery. Best regards, Michael V. Elam, M.D.

Dennis Barek, MD (retired) · Answer

You will probably need a relative, who has good credit,  to co-sign the note. With no credit history, there is little chance that you can get a loan, especially if you are a student and not working..

I'm 18 with no credit, can i still use CareCredit for Rhinoplasty?

Answers (6)

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