Liposuction financing bad credit is available at the right price, and we can help you find it. There are many options for liposuction financing bad credit, so come to us and let us give you options that will work best with your needs and budget. We help patients get approved loans for breast augmentation with bad credit, or even a loan for liposuction to pay in installments. Our surgeons offer financing loans for plastic surgery, so learn more about how we can help you get the funds needed for your beauty treatment today!

In this guide, we review the aspects of Liposuction Financing Bad Credit, looking for someone to pay for my plastic surgery, breast augmentation loans for bad credit, and can you get a loan for liposuction.

Liposuction Financing Bad Credit

Liposuction is a popular cosmetic procedure, but many people do not have the money to pay for it up front. The cost of liposuction varies, depending on the area being treated, the amount of fat being removed, and whether additional procedures are required at the same time. Some patients get liposuction as part of a Mommy Makeover. Many plastic surgeons offer financing options for liposuction. In addition to financing programs offered by their offices, some plastic surgeons work with outside lenders. Patients may be able to borrow against their homes to cover the cost of liposuction surgery.

Liposuction is a popular cosmetic procedure, but many people do not have the money to pay for it up front.

Liposuction is a popular cosmetic procedure, but many people do not have the money to pay for it up front. In fact, some people need to finance liposuction. Luckily for those who need plastic surgery financing, many plastic surgeons offer financing options for liposuction.

Many patients want their bodies to look perfect but don’t have enough cash on hand to pay for procedures such as liposuction or breast augmentation when they occur. Some plastic surgeons offer low-interest loans that can be paid off over time with monthly payments; others accept credit cards at the time of service and allow payment plans afterward, which frees up money in patients’ pockets immediately after surgery while they pay down their debt over time.

The cost of liposuction varies, depending on the area being treated, the amount of fat being removed, and whether additional procedures are required at the same time.

The cost of liposuction varies, depending on the area being treated, the amount of fat being removed, and whether additional procedures are required at the same time. The average price for liposuction ranges from $1,500 to $8,000 in the United States. For example:

• A tummy tuck with lipo costs about $6,000
• Liposuction alone costs about $2,200 – 3100

Some patients get liposuction as part of a Mommy Makeover.

Sometimes, liposuction is performed as part of a Mommy Makeover. A Mommy Makeover is a combination of cosmetic procedures designed to help new mothers look and feel better after pregnancy. It typically includes tummy tuck surgery, breast augmentation, or breast lift surgery; however, some women opt for liposuction as part of their post-baby body makeover plan.

A Mommy Makeover can give you the boost in confidence you need to return to your former self—or something even better! You might want help with your lower back pain or loose skin from losing weight during pregnancy; any number of things may be holding you back from feeling like yourself again. If this sounds like something that might appeal to your personal goals or current situation, contact us today!

Many plastic surgeons offer financing options for liposuction.

Liposuction is one of the most popular cosmetic procedures in the United States. It involves removing unwanted fat from parts of the body through a small incision made under local anesthesia. The procedure can help you achieve your ideal figure and smooth out lumps and bumps caused by excess fat deposits.

The cost of liposuction varies depending on where you live, but it’s often very expensive—some people pay over $5,000 for this procedure. Many plastic surgeons offer financing options to help patients get liposuction with no interest or low interest rates they can afford each month. If you’re considering getting lipo’, here are some things you should know about financing your surgery:

• Some surgeons offer financing through their office: A few plastic surgeons work with outside lenders who will finance large purchases like cosmetic surgeries so that patients don’t have to pay all at once out of pocket at the time of their surgery date; others simply give patients an estimate based on what type of insurance plan they have (if any) before giving them a quote that includes all fees associated with obtaining credit cards as well as paying them off over time (like any other bill).
• Others use hard money loans: This means that instead having someone else lend money directly from their own personal accounts/savings bonds/etc., these lenders arrange​ deals between themselves and property investors who want cash ​quickly but don’t want​ another mortgage tied up indefinitely until it’s paid off completely–so instead they take out secured loans against certain properties they own which those property owners then sell back into these agreements when needed again down th road – essentially buying themselves some extra time without taking undue risk ourselves! That way everyone wins because no one gets hurt financially except perhaps yourself by not knowing how much interest rates are going up right now…

In addition to financing programs offered by their offices, some plastic surgeons work with outside lenders.

In addition to financing programs offered by their offices, some plastic surgeons work with outside lenders. These loans are typically arranged through a third party provider, who can help determine your eligibility and facilitate the application process.

Patients may be able to borrow against their homes to cover the cost of liposuction.

If you have a home equity line of credit, it is possible that this line of credit could be used to pay for your liposuction. A reverse mortgage may also be an option, though it does not allow cash-out refinances. If you do not have any other way to pay for the procedure, you should consider applying for a home equity loan or a cash out refinance on your current mortgage. The interest rates are usually lower than other loans and there is no risk as long as you live in the house.

If you don’t have enough equity in your home or if it isn’t worth enough money to cover what’s needed for liposuction, then getting pre-approved will help determine whether or not financing is possible based on their lending guidelines and requirements.

People can finance the cost of liposuction surgery.

People with bad credit can still get liposuction surgery by using a financing plan. The cost of liposuction depends on the procedure and the type of fat removal. The average price ranges from $3,000 to $7,000 per treatment area. For some people, they may need multiple treatments to achieve their desired results or want to remove more fat than what one treatment can handle.

The best way to get financing for your cosmetic plastic surgery is through your surgeon’s office because they generally offer better rates than other lenders such as banks or credit unions. Make sure you are approved for financing before scheduling any surgeries so that you don’t waste time going over options only find out later that it was not possible due to poor credit history issues like no job history or bankruptcy filings within past two years (or longer depending upon how long ago filing occurred).

It’s also important note here that most doctors will require patients pay upfront at least 50% of total costs up front prior receiving services rendered which can include anesthesia fees associated with procedure itself along with any other associated charges such as lab tests needed prior undergoing these procedures done by physician/surgeon who actually performs them rather than another qualified professional present during actual process taking place under guidance provided by said doctor/surgeon via supervision offered by both parties working together towards common goal set forth between themselves beforehand when first agreeing terms under which these types procedures would take place–usually outlined clearly in contract signed between both parties beforehand outlining responsibilities each party owes themselves towards fulfilling obligations owed towards ensuring quality service delivery standards met before finalizing arrangement agreement entered into voluntarily without coercion from either party involved therein.”

looking for someone to pay for my plastic surgery

Tummy tucks, facelifts and nose jobs aren’t cheap and are rarely covered by insurance. Check out 10 possible ways to finance a cosmetic procedure.

Tummy tucks, facelifts and nose jobs aren’t cheap and are rarely covered by insurance. Check out 10 possible ways to finance a cosmetic procedure.

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Whether it’s because of or despite the pandemic, plastic surgery is going strong. For many, recovery at home or behind a mask makes the procedure a little easier to fit into their lifestyles, but the cost might still not fit so easily into the budget.

According to the American Society for Aesthetic Plastic Surgeons, Americans spent an incredible $9.3 billion on all aesthetic procedures in 2020. The numbers sort out to almost $6.2 billion for surgical procedures and a little over $3.1 billion for non-surgical procedures.

Break it down to the average cost per procedure, and the figures are still steep. For example, the society reports an average of nearly $5,000 for a procedure such as a breast augmentation or rhinoplasty (nose job).

And insurance doesn’t typically cover these expenses. “Consumers should be aware that cosmetic surgery is not covered under insurance, so all of the expenses must be paid out of pocket,” says Kevin Kautzmann, a New York City certified financial planner.

While the term “plastic surgery” is often used broadly, the American Society of Plastic Surgeons points out that there are actually two main sub-categories of plastic surgery: reconstructive procedures and cosmetic procedures. Reconstructive surgery focuses on restoring function and normal appearance or correcting deformities; these types of surgeries might be covered by medical insurance.

On the other hand, cosmetic procedures focus on “reshaping and adjusting normal anatomy” and are not considered medically necessary; these procedures are in all likelihood not covered by your health insurance. If you’re unsure how your procedure might be classified, talk to your healthcare provider and insurance representative to avoid any expensive surprises.

Paying for cosmetic procedures

So if you’re pursuing a cosmetic procedure and insurance doesn’t cover it, what are your payment options?

Consider Kathy Riffey, a former Baltimore medical insurance analyst who lost 40 pounds. The resulting saggy skin caused her to seek a breast lift and implants, and she didn’t have $8,000 saved to pay for the surgical procedures.

With the aid of her plastic surgeon’s finance office, she chose one of the medical credit cards on the market. With an introductory 0% interest rate for six months, followed by a moderate rate hike, Riffey opted for a 24-month repayment plan. The bill came to $167 per month.

“It was a lower interest rate than a credit card with better payment plan options,” she says.

If you consider cosmetic surgery that your health insurance won’t cover, you can explore various payment options.

1. Health care or medical credit cards

Medical credit cards are health care financing in the form of a credit card. Patients can use medical credit cards to pay for deductibles and other out-of-pocket costs, as well as for treatments and procedures not covered by insurance. These cards are limited to covering only medical expenses and are often offered as a financing option to cosmetic surgery patients.

Pros: Medical care credit cards, such as CareCredit, often come with attractive 0% promotions, and some can have reasonable interest rates and payment plans. Since they are limited to medical expenses, they can lend “a sense of control if you tend to overspend” on regular credit cards, says Billy DeFrance, an El Paso, Texas, financial planner.

Cons: There have been predatory lending allegations against health care card lenders, as well as lawsuits against medical providers who signed unknowing patients up for the cards. Deceptive marketing practices have included claiming the cards had no interest, but then applying accrued interest if the balance had not been paid off by the end of a promotional period. The Consumer Financial Protection Bureau explains the restitution and safeguards that have been implemented, including enhanced disclosures to make sure someone taking out a medical credit card understands exactly how potential interest will accrue.

Advice: Research the card and read the fine print. Do not pay for multiple procedures upfront – such as a series of Botox injections – but insist on paying as you go. “A surgeon’s job is not to determine whether a patient can afford the procedures, but rather to communicate whether the procedures can achieve the patient’s goals,” said Dr. Ariel Rad, former director of aesthetic plastic surgery at Johns Hopkins School of Medicine in Baltimore. “Patients should take a step back after the consultation and ask: ‘What procedures do I really want or need?’ and ‘What amount can I really afford?’”

2. Regular credit cards

You can use a low-interest credit card you already have or apply for a new card with a 0% introductory period to pay for your procedure. Alternatively, if you’ve already paid for a procedure and are looking to pay less interest as you tackle the balance, you can consider a balance transfer card. These credit cards typically offer a 0% introductory APR for somewhere between 12 and 18 months for a balance you transfer from another credit card. This allows you to pay down your credit card debt without fighting an uphill battle against accruing interest.

Pros: Assuming the card has a reasonable interest rate, this can be an affordable way to pay for the surgery while you maintain or even build your credit. Either choose a card with a good intro interest rate or transfer your balance to a card with a good balance transfer offer if you’re carrying a balance from a previous procedure.

Cons: A large purchase such as cosmetic surgery can tie up your credit line and reduce your credit utilization ratio (which in turn may lower your credit score) initially.

Advice: Don’t pay more than 10% interest, Kautzmann says. Don’t add other purchases to the balance, and do your best to pay off the balance before any introductory rate expires.

3. Bank loan

Another option: A personal loan from your local bank or credit union.

Pros: While the interest rates on an unsecured loan from a financial institution run close to or more than those on credit cards (depending on your creditworthiness and ability to qualify, of course), bank loans have fixed interest rates and a fixed amount of time in which to repay. Plus, if you’ve never taken out a personal loan before, it can boost your credit rating by adding to your credit mix. Of course, you still need to make on-time payments until the repayment term is complete. And, unlike a credit card, you won’t be allowed to add more to the balance and dig yourself deeper into debt.

Cons: Unsecured loan interest rates can add quite a bit to the final cost (in interest charges) of your elective procedure. The rates are usually similar to credit card rates and will vary with the borrower’s creditworthiness.

Advice: For a lower interest rate, you may want to ask about a secured loan (where you offer up collateral against the loan, such as a car or house), although if you end up being unable to make the payments, you risk losing that property.

4. Home equity loans and lines of credit

You can also consider loans against the equity of your house, with interest based on current mortgage rates.

Pros: This option can be easily accessible for homeowners and affordable depending on your mortgage rate. Plus, interest is tax-deductible for most people.

Cons: An uncertain housing and job market mean that you could be left holding your hat should you be forced to sell your home – or if interest rates take an unexpected jump. In a post-pandemic world still struggling with the coronavirus, think carefully before choosing this route.

Advice: “Using a home equity loan can get people into financial trouble,” says New Jersey certified financial planner John M. Egan. “However, some of our clients have used a home equity loan for plastic surgery [when] the interest rates are very low – but as a last resort.”

5. Cash savings

Consider using money in the bank that isn’t earmarked for emergencies.

Pros: You don’t have to borrow or pay interest. This is simple, and you can enjoy the results of your cosmetic surgery without the financial ramifications hanging over you.

Advice: “It may not be sexy, but the best answer for most people is to save each month until you have the bill covered, then get the procedure done,” says Rochester, New York, financial adviser Michael Masiello. “We as a society, at every level, have to get off the merry-go-round of immediate gratification spending because we want it, regardless of whether we can afford it.”

6. Unsecured medical loans

Unsecured medical loans can come in the form of personal loans or credit cards and are often brokered through third parties, such as doctors or brokers.

Pros: If you have a low credit score and have trouble finding other sources of financing, this can be an option.

Cons: Interest rates tend to be high or can balloon after an attractive introductory offer. If you have a co-signer and you default on the loan, it will damage that person’s credit and the co-signer will be on the hook for repayment – not to mention the hit your relationship may suffer.

Advice: Shop around for the best deal. As always, read the fine print and consider whether financing cosmetic surgery at a high interest rate is truly within your financial goals.

7. Doctor payment plans

Some doctors will work with patients to create a payment plan that works with their budgets, although most require payment in full before the surgery.

Pros: These plans usually don’t include interest. Physician offices that offer financing typically have the flexibility to create a plan that works for each patient. Missed or late payments probably won’t show up on your credit score.

Cons: Unpaid loans can still go to a collection agency. Failure to pay could affect your relationship with the doctor if you need or want future procedures.

breast augmentation loans for bad credit

You can borrow money for many purposes: A mortgage for a home, student loans for college, even a loan to finance your wedding. But what about plastic surgery?

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

The cost of cosmetic procedures can vary greatly depending on the work you get done, and it’s not always covered by your medical insurance. 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.

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.

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.

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.

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.

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.

What to watch out for with plastic surgery financing

Borrowing money for plastic surgery is a decision to make carefully. If you’re able to qualify for a competitive rate and the loan has affordable monthly payments, financing the procedure could help you enjoy the results of a costly procedure sooner rather than later.

But there are negatives, too: It’s one more payment to add to your budget each month, and there are financing-related costs to factor into the equation. You may have to pay interest and other fees on the amount you borrow. It also may be harder to qualify for a loan for surgery if you have bad credit.

Saving up for a procedure may be a better (and cheaper) option, even if means you’ll have to wait a few months to get work done. You could start by setting up an automatic transfer of cash from your bank account to a “saving for surgery” account each month.

Saving small amounts consistently can add up and could help you pay for all or at least a portion of your procedure. If you do decide to borrow, be sure to weigh multiple options since this will help you find the best loans available to you.

can you get a loan for liposuction

Plastic Surgery Financing: How to Pay for Your Procedure

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

Cosmetic surgery is considered an elective surgery, and insurance usually does not cover these operations. Patients must pay cash or utilize another plastic surgery financing method to pay for procedures like laser hair removal, Botox, breast augmentation or rhinoplasty, among others.

8 plastic surgery loans to consider

If a personal loan is your preferred method for plastic surgery financing, shopping around with multiple lenders could help you find the best deal possible. Ensure you make apples-to-apples comparisons of APRs, repayment plans, discounts and fees, among other loan terms.

There are many ways to get a personal loan, perhaps from a bank, credit union or online-only company. Prioritize those lenders that allow you to prequalify for funding without a hard check of your credit report, which could dim your credit score.

While many personal loan companies allow you to borrow for cosmetic procedures (among other major expenditures), here are a handful to begin your shopping process:

If you’re ready to move forward, you can check the latest personal loan rates here at LendingTree.

Here are five additional plastic surgery financing options:

1. Enroll in a payment plan through the surgeon

When you’re researching plastic surgeons to complete your medical procedure, ask the provider if they offer any type of plastic surgery financing or payment plan. You may be able to break up the cost of your cosmetic procedure into smaller monthly installments without paying interest.

Many surgeons avoid getting involved in the financial aspect of the procedure, though, and rely on third-party plastic surgery financing options like medical credit cards and plastic surgery loans.

You can split the cost into smaller monthly payments.

You may not have to pay interest or go through a credit check.

Not many doctors offer in-house payment plans, and most defer to a third-party company.

Your bill may be sent to a debt collector if you don’t pay.

2. Utilize a medical credit card like CareCredit

Your plastic surgeon may offer financing through a medical credit card like CareCredit. Medical credit cards are a popular way to finance plastic surgery because they usually offer promotional financing. During a certain introductory period, typically a few months to a few years, you can break up the cost of your procedure into smaller monthly payments at 0% APR or reduced APR.

However, some medical credit cards come with very high APRs. And if you don’t adhere to the payment plan outlined by the promotional financing offer, you may be stuck paying deferred interest from the original purchase date.

Take a look at the terms offered by the CareCredit® credit card:

Promotional interest rates let you pay for your procedure at no (or reduced) interest.

No fee for early repayment.

A convenient option when you need it.

You’ll pay deferred interest if you don’t adhere to the promotional terms.

The APR for these cards can be very high, and you could find more competitive APR offers through other financing options.

Not all medical providers offer financing through medical credit cards.

Average cost of common plastic surgery procedures

3. Use a credit card with a 0% APR offer

Medical providers typically allow you to charge your elective procedure to your credit card (though some may charge a card processing fee). However, credit cards are notorious for their high interest rates.

One way to get around this is to use a credit card with an introductory 0% APR offer. These offers typically last up to 21 months and are reserved for borrowers with good credit. This can let you split up the cost of your cosmetic procedure into smaller monthly payments without paying interest, as long as the balance is paid in full by the end of the introductory period.

If you’re unable to secure a 0% APR offer, you may end up paying a lot more for the surgery than you initially thought. Additionally, the large charge to your card is likely to tie up your credit, hurting your credit utilization and possibly affecting your credit score.

Borrowers with good credit may secure a 0% APR intro offer to avoid paying interest for a limited time.

You can pay with a credit card to earn rewards like cash back or travel miles.

Not all borrowers will qualify for a 0% APR offer.

Regular APRs can be high, which can increase the cost of borrowing.

Putting a large charge on your credit card can affect your credit utilization and credit score.

4. Take out a fixed-rate personal loan

A plastic surgery loan — also known as an unsecured personal loan — is a quick way to secure money for a surgical procedure. Personal loans are lump-sum loans typically ranging from $1,000 to $50,000 that have a fixed APR and monthly payment.

Compared with some of your other financing options, a plastic surgery loan could be the cheaper alternative to getting a cosmetic procedure. If you have a strong credit history, your APR is likely to be significantly lower than a credit card. Borrowers with subprime credit might only find personal loans with high APRs, if they qualify at all.

As with most types of borrowing, plastic surgery loans will add to the cost of your procedure since you’ll be paying interest. You can try to mitigate the cost of the loan by making extra payments and paying it off early, as long as you’re aware of any prepayment penalties that the lender might charge. Plus, you should shop around for the lowest possible APR for your financial situation using our personal loan guide.