How To Pay For Your Plastic Surgery With Bad Credit

According to recent statistics, over 1.56 million plastic surgeries were performed in the United States in 2021. Some of the most common plastic surgery financing options with bad credit procedures include:

Facelift	A rhytidectomy or facelift, is surgery that reduces loose skin. Its average cost is around $8,005 or may vary according to the place of treatment.
Liposuction	Liposuction is surgery that removes excess fat from the skin. Its average cost is around $3,600 or may vary according to the place of treatment.
Nose Job	A Nose job, or rhinoplasty is a surgery to change the shape of the nose. Rhinoplasty costs an average of $5,483 depending on the location.
Breast Implants	Breast implants or Breast augmentation can increase the size of the breast, costing between $6,000 and $12,000 depending on the place of treatment.
Tummy Tuck	A tummy tuck, an abdominoplasty, can reduce excess fat and improve your body shape. The average cost of a tummy tuck is $6,154 or may vary according to the place of treatment.

What is the Plastic Surgery Financing?

The plastic surgery financing process allows you to get the cosmetic procedure you've been thinking about without having to pay for it all upfront. Financing allows you to have surgery now and pay it off in low monthly installments instead of waiting for a lump sum payment.

Credee works with medical professionals to finance the procedure. Through Credee, you can enjoy the benefits of plastic surgery without having to pay upfront and credit checks.

Cosmetic surgery can improve your appearance, self-confidence, and self-esteem. The cost of plastic surgery can be high, and health insurance policies sometimes do not cover most procedures. Plastic surgery, though, might be a worthwhile investment if you're dissatisfied with your appearance.

1. Medical Insurance For Plastic Surgery

Today, most individuals need insurance to help pay for medical treatments. If you need to pay for a procedure and have health insurance, your insurance may cover all or part of the cost. 

A medical expert will assess whether surgery is medically necessary and charge insurance accordingly. You can see a breakdown of your insurance coverage and out-of-pocket expenses. Several standard procedures include:

(I) A nose job or rhinoplasty for sinus and breathing problems.

(II) Weight loss surgery when extra weight can harm one’s health.

(III) Eyelid surgery when it impacts sight.

(IV) Breast reduction surgery to reduce back pain.

Health insurance might cover expenditures if medical professionals can confirm an underlying medical condition. So if you have health insurance, let your doctor know because it can save you money.

Sometimes, third-party insurance can cover medically necessary plastic surgery. For instance, compensation will be liable due to a car accident. So auto insurance will cover the cost of the best cosmetic surgery loans.

2. Potential Options For Plastic Surgery Financing

Instead of paying for the procedure upfront, plastic surgery financing with bad credit allows you to spread out your payments over time.

Not all surgeons or medical facilities provide in-house financing. However, some medical institutions that offer in-house financing use third-party platforms like Credee. This option can help you pay for your plastic surgery in installments regardless of your bad credit. 

There are many other payment plans to pay for your plastic surgery with no credit check. Before choosing one, compare your payment plans, interest rates, and other aspects. Here are some options you can use to pay for your cosmetic surgery financing with bad credit.

2.1 Payment plans- Some medical institutions offer various payment plans. Mostly these plans have low to average interest rates. Patients who can’t afford the entire treatment cost upfront can ask the surgeon if they offer any payment plans.

Many plastic surgeons offer these through third-party companies, allowing patients to pay for their surgery over time. Make sure to compare the plans.

Some financing options have low interest for a set period. Patients should carefully review the terms and conditions of the financing options. Ensure you understand the interest rates, fees, and repayment schedules.

Patients who choose cosmetic surgeon’s financing options may get approval regardless of bad credit. 

2.2 Medical credit cards are lines of credit exclusively for medical expenses, including surgical and non-surgical procedures. These cards cover the cost of the procedure and any associated costs, such as anesthesia, medications, and follow-up visits.

There are a lot of advantages to using a medical credit card for plastic surgery. It allows patients to finance their procedures without paying upfront. This can be helpful for individuals who may need more funds or prefer to spread out the cost over time. Many medical credit cards offer special financing options, which can make the procedure more affordable.

2.3 Credit cards- Typically, medical professionals let you use your credit card to pay for elective surgery, though some may charge a card processing fee. Credit cards, however, are infamous for having exorbitant interest rates.

Utilizing a credit card with an introductory zero percent APR offer is one way to get around this. These deals are only available to customers with acceptable credit and typically last up to twenty-one months.

You may have to pay more for the procedure than anticipated if you can't find a zero percent APR program. The significant charge on your card will also likely tie up your credit, impacting your credit utilization and lowering your credit score aesthetic.

2.4 Personal loans- A plastic surgery loan might be more affordable than other financing alternatives. Your APR will probably be substantially lower than a credit card if you have a good credit history. 

Plastic surgery loans will increase the price of your procedure because you'll be paying interest, as is the case with most sorts of borrowing. However, you can reduce the loan cost by making extra payments and paying them off early. 

2.5 Home equity loans- These loans allow you to borrow money against the value of your home. Equity is the difference between your house value and the mortgage amount that you owe.

Your home equity decides the amount you can borrow. The interest rate on a home equity loan is typically lower than the interest rate on a credit card or personal loan. This makes a home equity loan an attractive option for people who need to borrow a large sum of money for plastic surgery.

However, before you take out a home equity loan for plastic surgery, it’s essential to consider the risks. You can lose your house if you don’t pay the loan amount in time. 

In conclusion, a home equity loan can be a good option for people who want to finance plastic surgery. However, it’s essential to consider the risks before taking out a loan. Choose a reputable lender with a good track record if you take out a loan. And most importantly, make sure you are comfortable with the repayment terms and can afford the monthly payments.

3. Long-Term Savings For Plastic Surgery

A long-term savings plan is another method to pay for plastic surgery. You can use your savings to cover the surgery expenses without paying interest. Putting aside a portion of your money is a great way to get started saving. Some strategies can help save money.

Budgeting is a choice to take into account. Tracking your income and costs allows you to make necessary adjustments to your spending. Another great way to make extra money to pay for your plastic surgery is to have a side job. Depending on your resources and skill set, you should work a side job in addition to your full-time job.

Is Plastic Surgery Financing Possible?

Yes, it's possible. And Credee makes it possible even for those with bad credit. As long as you meet the basic income requirement, you should be able to get the plastic surgery you desire right away. Credee allows you to gain access to a world previously reserved for only the wealthiest segments of society. You don't have to wait to win the lottery to have the face and body you want. What’s more, you won’t pay any interest! 

A variety of procedures are offered at Credee, including breast augmentation, breast lift, tummy tuck, liposuction, and more. For those last couple of inches of belly, chin, or underarm fat that won't disappear, Coolsculpting is the treatment you need. With only one treatment, you can see substantial and permanent results from this non-surgical procedure. Find out which procedure is right for you by contacting Credee.

Endnote

Even cosmetic surgery loan bad credit is still an option. You can pay for your plastic surgery with the help of insurance, a savings plan, and loans. 

Nonetheless, asking your surgeon for Credee payment plans might be an ideal option since there are no credit checks. 

Look for a plastic surgeon’s office using Credee to get your procedure done without worrying about how to pay for it. 

Credee offers no credit check and no-interest plastic surgery financing. Many healthcare businesses/ clients are surprised to find out how easy it is to qualify.