Financing a Tummy Tuck with Bad Credit

If you’re looking to finance a tummy tuck with bad credit, we’re here to help. We know that surgery isn’t cheap, but it’s important to your health and happiness. That’s why we’ve made it easy for you to get the surgery you want—and even easier if you have bad credit.

We’ll work with you every step of the way. From your initial consultation through post-op recovery, our friendly staff is here for you every step of the way. If you’re not quite ready for surgery yet, we can help with that too! We offer financing options for those who need an extra little boost before they’re ready to go under the knife. So don’t wait any longer: contact us today to get started on your new life!

Read on to learn more about Financing A Tummy Tuck With Bad Credit, tummy tuck financing with poor credit near me and tummy tuck financing near me.

Woman talking with doctor about plastic surgery financing

Financing A Tummy Tuck With Bad Credit

In Plastic surgery and other elective cosmetic procedures can be pricey and may not be covered by medical insurance. But there are plastic surgery financing options that can help you cover the cost. We’ve rounded up our top picks by comparing features such as loan amounts, extra perks and how quickly you can get access to funds.

We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies that pay us.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don’t represent all the financial products out there, but our goal is to show you as many great options as we can.

Tummy Tuck Financing with Poor Credit Near Me

In 2020, Americans spent more than $9 billion on surgical and nonsurgical cosmetic procedures, according to the American Society for Aesthetic Plastic Surgery.

Your medical insurance may not always cover the cost of cosmetic procedures, which can vary greatly depending on the work you have done. Fillers or laser hair removal could set you back less than $1,000, but liposuction, tummy tucks and face-lifts could cost thousands. If you’re considering a cosmetic procedure, you might be looking for options to help cover the cost, such as a medical credit card, personal loan or medical loan. Here’s our roundup of the best plastic surgery financing options and the features that make them stand out.Considering a personal loan?Check Approval Odds

  • Best for excellent credit: LightStream
  • Best for flexible terms and loan amounts: Upgrade
  • Best for member benefits: SoFi
  • Best for fair credit: Avant
  • Best for promotional financing: CareCredit
  • What to watch out for with plastic surgery financing
  • How we picked these loans

Best for excellent credit: LightStream

Why LightStream stands out: LightStream rewards borrowers who have above-average credit with personal loans that have no fees and low interest rates. For the lowest rates, LightStream requires excellent credit. In general, LightStream says it considers borrowers with excellent credit as those who have a stable income, money stashed in savings and at least five years of credit history with an excellent payment record.

  • Loans up to $100,000: LightStream loan amounts range from $5,000 to $100,000, making the lender a potential option if you need to borrow a large sum.
  • Extended loan terms: LightStream offers loan terms of up to 84 months, which could give you ample time to pay off your loan.
  • No fees: LightStream doesn’t charge origination or prepayment penalty fees.
  • Rate guarantees: If you’re able to get a better rate elsewhere, LightStream may offer to beat that rate through its “Rate Beat” program, but conditions might apply.
  • No way to prequalify: LightStream doesn’t offer a prequalification process, so a hard credit inquiry is necessary to check your rates with the lender.

Best for flexible terms and loan amounts: Upgrade

Why Upgrade stands out: Upgrade gives borrowers multiple loan terms to choose from, and if you only need to borrow a small amount, Upgrade offers loans for as little as $1,000. Plus, you can check your rates without affecting your credit scores — though note that prequalification doesn’t guarantee approval and your final terms may vary.

  • Multiple loan term options: Loan terms range from 24 to 84 months.
  • Quick funding: Loan funds could hit your bank account as soon as the next business day after approval.
  • Origination fee: Upgrade charges an origination fee that’s taken from your loan before it’s deposited into your account. But there’s no prepayment penalty fee, so you don’t have to worry about getting penalized if you’re able to pay the loan off early.

Best for member benefits: SoFi

Why SoFi stands out: SoFi offers loans with member perks, such as financial planning advice from advisors, referral bonuses and potential adjustments to your payments if you lose your job. Loan terms range from 24 to 84 months.

  • No fees: SoFi personal loans have no origination, prepayment or late fees.
  • Large loan amounts: SoFi offers loans of $5,000 to $100,000.
  • Low rates: SoFi offers low interest rates for borrowers who qualify, and there’s a 0.25% rate discount if you sign up for autopay.
  • Unemployment protection: If you lose your job through no fault of your own while repaying a personal loan from SoFi, you may be able to adjust your monthly payments, while receiving career assistance to help you get back on your feet.

Best for fair credit: Avant

Why Avant stands out: If you have a fair credit score, Avant may be worth considering since Avant says its typical borrower has a score between 600 and 700. Not sure if you qualify? You can check to see if you’re eligible on the Avant website without a hard inquiry — but keep in mind that you may see different terms after submitting a formal application.

  • Long and short loan terms: Avant offers loan terms ranging from 24 to 60 months.
  • Flexible loan amounts: Loans range from $2,000 to $35,000.
  • Quick application and funding: Avant says it has an easy application process that can take minutes. After the loan is approved, you may get access to cash as soon as the next business day. Depending on your bank, however, you may have to wait before you can get your money.
  • Origination fee: Avant charges an origination fee that’s taken from your loan balance before it’s deposited into your account, so keep that in mind when deciding how much to borrow.

Best for promotional financing: CareCredit

Why CareCredit stands out: CareCredit is a healthcare credit card for medical expenses that may offer promotional financing where you pay no interest for six, 12, 18 or 24 months. At the end of the promotional period, the accumulated interest gets added to your account unless you pay off the entire balance before the special ends. If you pay on time each month and pay off the balance during the promotional financing period, this could be a way to finance cosmetic procedures without incurring interest charges.

Apply at the doctor’s office or online: CareCredit is a credit card with a revolving credit line that you can apply for online or at a participating plastic surgeon’s office.

Prequalification available: You can check to see if you qualify for a CareCredit card online without a hard credit inquiry.

No activation fee or annual fee: If you choose to sign up for the card, there’s no activation fee, and the terms and conditions disclosure lists no annual fees.

Longer-term financing available: If you want to pay the balance off over more than 24 months, CareCredit offers 36-, 48- and 60-month fixed-payment options with reduced APR.

Interest may be deferred, not waivedIf you qualify for a zero-interest promotional period, keep in mind that interest is still calculated and added to your balance if you don’t pay off the card entirely by the end of the promotion period. While special financing options can be a great deal for borrowers who are able to pay off the balance, it could be a debt trap for those who can’t since standard interest can be high.

Tummy Tuck Financing Near Me

tummy tuck financing near me

If you are considering a tummy tuck procedure but are concerned about the cost, you may be wondering about tummy tuck financing options near you. Tummy tuck surgery, also known as abdominoplasty, is a cosmetic procedure that removes excess skin and fat from the abdomen to create a smoother, firmer profile. It is often sought after by individuals who have lost a significant amount of weight or women who have had multiple pregnancies and are left with loose, sagging skin.

When it comes to tummy tuck financing, there are several options available to help make the procedure more affordable. Many plastic surgery practices offer financing plans that allow patients to pay for their surgery in monthly installments. These plans may have low or no interest rates, making it easier for patients to budget for their procedure.

In addition to financing plans offered by individual plastic surgery practices, there are also third-party financing companies that specialize in medical loans. These companies work with a network of healthcare providers, including plastic surgeons, to offer financing options to patients. Some of the most popular third-party financing companies include CareCredit, Prosper Healthcare Lending, and United Medical Credit.

When considering tummy tuck financing options near you, it is important to do your research and compare the terms and interest rates of different financing plans. You should also make sure that the plastic surgeon you choose accepts the financing plan you are interested in using.

In addition to traditional financing options, some plastic surgery practices may offer discounts or specials on tummy tuck procedures. These discounts may be seasonal or based on the number of procedures you are having done at once. Be sure to ask your plastic surgeon about any current specials or discounts that may apply to your tummy tuck procedure.

Overall, tummy tuck financing can help make this popular cosmetic procedure more accessible to a wider range of patients. By exploring your financing options and working with a reputable plastic surgeon, you can achieve the toned, flat abdomen you desire.

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