FINANCING YOUR SURGERY
Cosmetic plastic surgery financing can help you make your dream procedure a reality. Because most cosmetic surgery procedures are not covered by health insurance, plastic surgery financing is commonly used to fund our patients’ procedures. Patients should research the best plastic surgery financing for their specific needs and financial situation. Generally speaking, plastic surgery financing is available regardless of the type of procedure requested, with monthly payments which vary based on the cost of the procedure and the length of time needed to repay the loan.
Most plastic surgery finance companies will loan you a little or a lot, depending on your credit history. In general, the less you request, the more likely you are to be approved. Many people choose to pay for a portion of their surgery in cash or on a credit card and then finance the remainder.
The manner with which you complete your application for cosmetic surgery financing may affect your chances of being approved. The following are a few tips to optimize your chances:
- Many credit scoring models take into consideration how many times you have applied for financing in a short period of time. Apply to one finance company at a time.
- Fill out the loan application completely. Do not submit a partial application or leave blank fields. This may decrease your chances for approval.
- Be sure to include all sources of income, not just your salary, in the gross income field. This might include rental income, social security or money from a trust. List only the required minimum payments, even if you are able to pay more. When payments, like rent, are shared, include only your portion of the payment.
- If you have not been at your present address for more than 3 years, you may be asked to provide a previous address after submitting your initial application. Make sure to use the address that will show on your credit report even if that address is not used for mail. Avoid using a PO Box.
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