This is because the company doesnt make direct payments to creditors on consolidated loans. A personal loan to pay for plastic surgery often works better than in-house financing for patients with lousy credit records and low scores if your employer does not offer a Flexible Spending Account. Lastly, the company has an A+ BBB rating, so you know youll be working with a reputable provider that cares about its customers. Its easy to get a personal loan online (Sponsored Link) to finance cosmetic surgery even when you have bad credit. You might be using an unsupported or outdated browser. You can check rates without affecting your credit score, and eligibility is based more on free cash flow than other lenders. In other words, it takes into consideration factors like loan purpose, state of residence, whether youve filed for bankruptcy, etc., to get a complete financial picture and decide whether youre a good candidate for a loan. Box 30963, Oakland, CA 94604, Image: Woman talking with doctor about plastic surgery financing, Image: Thoughtful woman considering Prosper healthcare lending. Beware of any provider touting guaranteed cosmetic surgery financing, and make sure to read the fine print (if there is any) before signing on the dotted line. In other words, you should get a solid quote from a reputable cosmetic surgeon before you start looking for a loan to cover the costs. If you do decide to borrow, be sure to weigh multiple options since this will help you find the best loans available to you. Unlike some other personal loan providers, Discover loans can also be used to cover small-business expenses. 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. 5 Plastic Surgery Loans for Bad Credit - finanso.com The credit score youll need will largely depend on the lender (while your chances of getting surgery financing will be greater if your credit score is better, there are personal loan providers that work with all credit levels). . Like most reputable lenders, Avant allows you to pre-qualify for a loan with a soft credit check. This site may be compensated through third party advertisers. The tradeoff is a slightly higher interest rate than some lenders. It's pretty simple, actually. When shes not reporting on all things personal finance, Rebecca teaches blogging and SEO strategies on her website, remotebliss.com. Being able to use my CareCredit card to make me feel beautiful is important to me. So I decided to use CareCredit to go to a medical spa and get a thermage treatment and now I have a 2.5 month old little grandson, who has the best looking Ya Ya in the country. You can use a CareCredit card to pay for a variety of surgical cosmetic procedures, including: However, whether or not an individual surgeon accepts the CareCredit card will vary. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, What to watch out for with plastic surgery financing, Read our full review of LightStream personal loans to learn more, Read our full review of Upgrade personal loans to learn more, Read our full review of SoFi personal loans to learn more, Read our full review of Avant personal loans, Read our full review of CareCredit credit cards, Prosper Healthcare Lending review: Competitive rates for limited procedures. For example, if you charge a $5,800 ring . Even if the policy doesn’t cover the entire procedure, you could make up for the difference with a small personal loan.\u00a0<\/span><\/p>\n
Another alternative is using (medical) credit cards to cover the expenses of the procedure.\u00a0<\/span><\/p>\n Lastly, you can ask the surgical center where you intend to have the plastic surgery if it offers any kind of financing plan.\u00a0<\/span><\/p>\n"}},{"@type":"Question","name":"What credit score is needed for United MedicalCredit?