Cosmetic Surgery Tips

Tummy Tuck Houston In House Financing

In the world of plastic surgery, there are a lot of options for financing. You might be surprised to learn that there are only a few options that are actually good. This can make things complicated for patients who have no idea where to turn or how to go about getting their procedures done.

The truth is that most people don’t have $1,000 or more just sitting around in their savings account. That’s why we offer financing through CareCredit®, a third-party company that has helped countless patients get the procedures they need and want. We’ve partnered with them because they offer low rates and flexible terms so you can get what you want without sacrificing your budget. In this guide, we review the aspects of Tummy Tuck Houston In House Financing, guaranteed financing plastic surgery, breast augmentation financing monthly payments, and What credit score do you need to get financed for plastic surgery?

Our financing options are available for all procedures, including: breast augmentation, breast lift, liposuction and more! Don’t wait any longer—get the body you’ve always wanted with our in-house financing options.

guaranteed financing plastic surgery

Tummy Tuck Houston TX

Tummy tuck – also referred to as abdominoplasty – is a cosmetic surgery procedure that aims to give patients a well-contoured belly contour. While exercise and diet are a great way to achieve a toned body, they do not always give that flat, hourglass shaped abdomen that many people desire. In a tummy tuck, plastic surgeons remove excess skin, tighten weakened muscles, and get rid of stubborn fat in order to achieve a firm and sleeker abdominal appearance. This procedure almost always is used in conjunction with liposuction to maximize your results.

Abdominoplasty is one of the 5 most popular cosmetic surgery procedures in the country. The American Society of Plastic Surgeons (ASPS) reports that more than 130,000 Americans received this procedure in 2018. Based on an earlier study published on the ASPS website, over 99% of patients who received a tummy tuck combined with liposuction said that they would recommend this procedure to others.

Financing & Payment Options

Cash, Credit Card or CareCredit

Most insurance companies do not cover the cost of cosmetic procedures, so – in addition to affordable prices – we offer several payment options for financing the cosmetic surgery you want – today. We accept credit cards (Visa, MasterCard, American Express and Discover), checks and cash. We also offer CareCredit®, a card designed specifically for your cosmetic beauty needs.

If you would like some more information, we’ve compiled a list of payment options available for plastic surgery in Houston. We also have more advice on how to get a cosmetic surgery loan in Houston or online. For a general cost of a few procedures, see our Cosmetic Surgery Pricing below or contact us to schedule a consultation with one of our doctors.

Better Than a Credit Card

CareCredit works just like a credit card, but is exclusive for health and beauty services. It can be used as a payment option for cosmetic surgery or for dental and veterinarian services. With low monthly payments every time you use it, you can use your card over and over for follow-up appointments or different procedures. This means you don’t have to put your plastic surgery procedure on hold until you save up enough money. We give you the power to decide when it’s the right time for you.

guaranteed financing plastic surgery

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.

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.

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.

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.

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.

How we picked these loans

We compared interest rates, fees, perks and promotional financing options across personal loans and medical credit cards. Then we selected the ones that offer competitive rates, flexible terms and member benefits.


breast augmentation financing monthly payments

The cost of breast augmentation surgery is one of the main reasons why so many women put off getting breast implants.

Unlike other surgeries, health insurance companies will not cover the costs of breast augmentation surgeries, as they are seen as cosmetic procedures. There are a few exceptions to this rule, particularly for breast reconstruction, but for most women insurance coverage is not an option.

Even though the costs of breast augmentation surgery are becoming more accessible and affordable, it still can be too expensive to pay upfront with cash.

Luckily, today women have more options for financing their breast augmentation surgery, ranging from special care credit cards, personal loans from a bank or credit union, and even online crowdfunding sites.

At Emmett Plastic Surgery, we offer CareCredit, Prosper Healthcare Lending, and a partnership with our local bank, Simmons Bank.

Can breast implants be covered by health insurance?

Women looking to undergo breast augmentation often ask if the procedure is covered by their insurance. Unfortunately, most insurance companies consider breast augmentation to be an elective, or cosmetic surgery and are not willing to cover the costs.

However, for women who have had cancer and received a mastectomy, breast reconstruction surgery may be covered.

Some insurance companies may also cover the costs associated with breast revision surgery, particularly if an implant has ruptured or is causing a rippling texture in the breasts. In these instances, insurance may cover the costs to prevent any health hazards.

We’ve also seen some insurance companies cover breast augmentation for women with asymmetrical breasts, but this may be more difficult depending on your insurance.

Be sure to check your insurance policy for specific language related to cosmetic, elective, and reconstructive surgery. 

Breast augmentation financing options

To learn more about financing for augmentation, read our list of financing options to get more ideas on how to fund your breast augmentation surgery.

Your plastic surgeon’s payment plan options

Plastic surgeons know that the price of getting breast implants can be prohibitive to some of their patients. This is why many plastic surgeons offer multiple financing options to make paying for surgery more accessible and sustainable.

At Emmett Plastic Surgery, we offer the three following financing options.

CareCredit®

CareCredit financing has become a very popular choice used by several plastic surgeons and health provider offices across America.

CareCredit is a credit card that provides funding for medical procedures. They offer several different types of cards, depending on the type of procedures and treatments offered.

Their Cosmetic and Beauty Financing credit card helps cover the breast augmentation, as well as other cosmetic surgeries, such as rhinoplasty, liposuction, tummy tuck, mommy makeover, body sculpting, and more.

Like all credit cards, CareCredit comes with a minimum monthly payment. 

Simmons Bank

For patients looking to get a personal loan to cover the surgery, we recommend contacting Simmons Bank. 

We have an established relationship with Simmons Bank, as they’ve been a Lone Tree, Colorado banking institution for over 14 years.

To contact Simmons Bank Lone Tree office, give them a call at 303-706-1723 and tell them you were referred by Emmett Plastic Surgery.

Prosper® Healthcare Lending

Prosper Healthcare Lending aims to make financing breast augmentation more accessible than ever. 

For those wishing to avoid high-interest rates often charged by credit cards, Prosper gives their customers simple installment loans with no retroactive interest.

This means the interest rate will remain fixed and not change, making payments more predictable and affordable to pay off over time.

Personal credit cards

Paying for surgery with a personal card is another option, however, it’s best to avoid putting this expense on a high-interest credit card. The interest rate over time will add serious unintended expense.

What Credit Score Do You Need To Get Financed For Plastic Surgery

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Undergoing plastic or cosmetic surgery doesn’t just have an impact on your looks, it can also impact your finances.

If your insurance doesn’t cover cosmetic procedures, such as breast augmentation, and you don’t have enough on hand to cover the expenses, there are many plastic surgery loans for you to consider—and the best for you will depend on your situation.

Personal Loans for Plastic Surgery

Compare Plastic Surgery Loans

There are quite a few companies out there offering personal loans for plastic surgery expenses. Some lenders may brand their personal loans specifically as medical loans.

Unsecured personal loans don’t require collateral, but you will usually need a good or excellent credit score to be approved for a low rate.

If your credit score doesn’t measure up, you might qualify for a secured personal loan or a bad credit loan. A secured loan is typically collateralized by property, however, and bad credit loans have high interest rates that may not be worth it.

Here are some specific lenders you may want to consider.

LightStream

5.95% – 19.99%*with AutoPay

LightStream offers personal loans with low rates, no fees, and a Rate Beat program in which they will beat any rate a competitor offers by 0.10 percentage points.** If a good credit score, LightStream is a great option for financing cosmetic surgery.

Upgrade

Upgrade is a great option for borrowers with credit scores of 620 or higher, as well as those that need smaller loans. You can check rates without affecting your credit score and eligibility is based more on free cash flow as compared to other lenders.

Upstart

Upstart is an online lending platform that partners with banks to provide personal loans that can be used for almost anything. Upstart’s lending model considers education, employment, and many other variables when determining eligibility.3 This model leads to 27% more approvals and 16% lower rates than traditional models.4

How You Repay a Personal Loan for Cosmetic Surgery

When taking out a loan, you receive the money upfront and pay back the loan in monthly installments. You are responsible to pay back both the principal balance as well as any accrued interest.

Typically, a repayment term ranges from two years to five years. Some lenders allow you to repay the loan early, but make sure they don’t charge any prepayment fees for doing so.

The total cost of a plastic surgery loan is going to depend on the APR attached to the loan. If you have an excellent credit score, you have a much better chance of obtaining a personal loan with a low interest rate.

If your score is less than perfect, your APR might reach double digits. Some lenders charge an origination fee adding to the overall cost. You should try to choose a lender that doesn’t charge an origination fee to lower the overall cost of your loan.

How Much Does Plastic Surgery Cost?

Plastic and cosmetic surgery aren’t cheap. In the table below, you can see what the average surgeon/physician fee is for certain common procedures according to a study conducted by American Society of Plastic Surgeons.

Alternatives to Plastic or Cosmetic Surgery Loans

If a plastic surgery loan isn’t right for you, check out some alternatives below.

Medical Payment Plans

Some doctors will set up interest-free payment plans customized to a patient’s budget. On the plus side, you save on interest and fees, and a missed or late payment won’t show up on your credit report. However, if you don’t pay your bill, the doctor might use a collection agency or sue you, both of which will appear on your credit report.

Medical Credit Card or 0% Intro APR Card

Medical credit cards are meant to pay for medical care only. Some offer 0% financing if you repay within a set time period. If you miss the deadline, you will retroactively owe interest for the period.

While doctors often broker these credit cards, you should be careful as there have been reports of doctors signing up patients to these cards without their knowledge.

An alternative option would be a 0% APR credit card. Like medical credit cards, interest does not start accruing on your balance for a set period of time. Using one of these is a viable option if you can pay off the balance in that time period. If not, the high interest rates could end up making this one of the most expensive options.

Savings

If you don’t currently have the money on hand to pay for a cosmetic procedure, you might be able to save up for the cost by pushing back the date you have the procedure.

Recap of Personal Loans for Plastic Surgery

If you’ve decided that taking out a personal loan for plastic surgery is the right move for you, here is a recap of lenders you may want to consider:

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

**LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time.

If you believe you have been approved by another lender for a lower qualifying rate, contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the necessary documentation.

***Payment example: Monthly payments for a $10,000 loan at 5.95% APR with a term of three years would result in 36 monthly payments of $303.99.

1The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application.

2Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5100. The minimum loan amount in GA is $3,100.

3Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.

4Approval numbers compare the 2020 loan approval rate by the Upstart model and a hypothetical traditional credit decision model. The APR calculation compares the two models based on the average APR offered to borrowers up to the same approval rate. The hypothetical traditional model used in Upstart’s analyses was developed in connection with the CFPB No Action Letter access-to-credit testing program, is trained on Upstart platform data, uses logistic regression and considers traditional application and credit file variables.

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