Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Plastic surgery is expensive, and more people are undergoing cosmetic procedures.
In addition to traditional credit cards, your surgeon may accept medical credit cards, like CareCredit or Alpheon Credit. As with a traditional card, you would use the medical credit card to pay your bills from cosmetic surgery and then make monthly payments to the credit card company. Medical credit cards are different from traditional credit cards though, because you can only use them to pay for medical procedures, or other healthcare needs, and only within a specified network of healthcare providers that accept the card.
But like traditional credit cards, medical credit cards can come with high interest rates — though they may include a promotional deferred-interest offer when you first sign up. That means paying no interest on a purchase for a set period of time before the interest kicks in.
And that can really add up. But like all financial matters, it's wise to understand your options as well as your responsibilities so that you can make the best choice and avoid any unpleasant surprises.
Here is a list of the 8 main ways to pay for breast augmentation surgery. Keep in mind that the methods of payment are listed in order from highest to lowest cost. Some plastic surgeons offer financing options, but many doctors rely on third party financing companies to manage financing for them. These plans can include low monthly payment options and extended payment options, making them appealing. Fees and interest rates are competitive, although they can sometimes be higher than conventional credit cards.
If you choose one of these plans, it's important to make all of your payments on time. If you miss a payment or are late making a payment, you can be liable for a higher interest rate or incur a penalty based on your balance. Or use a rewards credit card to pay for it and earn points or cash back. Cons: Credit cards are known for their high interest rates. Additionally, the large charge to your card is likely to tie up your credit, hurting your credit utilization, and possibly affecting your credit score.
Taking out a medical credit card is another popular way to finance breast augmentation. Like the other forms of financing, it's important to make sure that you don't miss any payments or make any late payments, or you can be liable for a higher interest rate or incur penalties. An unsecured personal loan, whether from your bank or credit union, offers an immediate and quick way to secure funds for your breast augmentation. Personal loans have a fixed interest rate with a specified amount of time for repayment.
Pros: Compared with some of the other financing choices listed below, an unsecured loan could be the cheaper alternative to getting the surgery you desire. If you have a strong credit history, your interest rate on a bank loan is likely to be significantly lower than a credit card.
Although you may not want to consider it, another benefit to an unsecured loan is that if you experience a financial disaster, your loan can be discharged in a Chapter 7 bankruptcy.
Cons: A personal loan is likely to add to the cost of your procedure from the interest you'll pay over time. Your Deposit:. Approximate Monthly Payment:. Share this calculator! Contact us about a procedure. We know our stuff and are super helpful, so why not? First Name:. Contact us to learn more about the cost of cosmetic surgery.
This handy pricing calculator can help you get a feel for cosmetic surgery prices in Little Rock and other areas. To see average cosmetic surgery pricing in your area, choose your procedure and enter your zip code below.
Little Rock Cosmetic Surgery » Financing.
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