Surgery & Treatment

Is Cosmetic Surgery Financing Available?

July 6, 2019

Cosmetic surgery can be quite expensive, with some procedures costing as much as a small car. However, cosmetic surgery financing is often available much like the financing of other major purchases. Statistics show that many people looking to change their appearance or even lose a few pounds, will purchase their cosmetic surgery the same way they purchase a refrigerator or a television. They may pull out that credit card to create cosmetic surgery financing. Most cosmetic surgeons will accept the major credit cards as payment for any and all cosmetic surgery treatment.

The problem with using a credit card for cosmetic surgery financing, obviously, is the same as that for using the card in financing any major purchase. The interest rates on credit cards are extremely high and therefore add substantially to the cost of these procedures. It’s a wise idea to pay off the costs as soon as possible in order to save on the interest rates that will incur for cosmetic surgery financing.

If the cosmetic surgeon does accept credit cards as payment for the procedures, the patients who still want to use their credit cards for cosmetic surgery financing could possibly take out a cash advance from one of these institutions. But as with buying directly with the cards, these cash advances will also add to the costs of the procedures.

Surgeons Allow Cosmetic Surgery Financing

While the interest on the credit cards used for cosmetic surgery financing can be substantial, there may be other avenues for the borrowers who are intent on plastic surgery. Some people have turned to using a loan on the equity of their home for their cosmetic surgery financing. These loans will also incur some costs for the interest, but the interest on these loans is considerably less than the traditional credit cards.

Another option is to speak with the officers at the local bank to discuss other mean of financing. Banks are looking for customers and in many cases, the customer may not even have to explain the need for their loan. These loans will also have a more favorable interest rate than the credit cards that are so easy to use.

Cosmetic surgeons themselves have set up other options so their patients will have access to cosmetic surgery financing. Some surgeons offer their own systems for treating patients and then collecting the fees with interest over an extended period of time. Such systems allow the doctor to earn the extra dollars for the interest on the loans for plastic surgery.

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