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Have you finally made up your mind about getting a cosmetic procedure, but don’t have the money? Know that you do have options. As with any major monetary decision, choosing to fund your procedure should be carefully considered. Here are seven things you need to know about plastic surgery financing:

#1: What does financing cover?
While every company’s different, financing can generally be used to cover the cost of most standard elective treatments, from cosmetic dentistry to Botox.

#2: Pros and cons
The pros of financing outweigh the cons, but things can get tricky if your financial situation suddenly changes. Being unable to pay your monthly balance can put your credit score in serious jeopardy.

#3: How do I get approved?
Speaking of credit, if your score is good, you’re likely to get approved right on the spot. The company will cover the costs up front so you can spend your time preparing for your surgery.

#4: What if I have bad credit?
Have a credit score of 620 or below? Don’t worry, you’ve still got some options. Some companies will still approve the funding, but beware that you’re likely to get hit with a sky-high interest rate.

#5: What if I’ve been denied?
If you’ve been flat-out denied, you could still be in luck. Your best option is to find a friend or family member with good credit who’s willing to cosign a loan.

#6: Beware of interest rates
Take your time when researching these companies, and most importantly, make sure they’re not taking you to the cleaners with interest. You don’t want to come out the other side having paid double the price of your surgery thanks to through-the-roof interest rates.

#7: What companies should I look at?
And if you're looking for a recommendation from someone with experience, you could try selecting a doctor first, then ask him or her for a recommendation.

For more tips and tricks from those who've been there, you can read thousands of unbiased reviews, straight from the RealSelf community.

7 Things You Need to Know About Plastic Surgery Financing

Want to get work done but not sure how you'll afford it? Here's what you need to know about financing your plastic surgery.