Plastic Surgery Financing for Your Breast Augmentation
Finance Your Breast Augmentation
We know that
breast augmentation is expensive—we’ve had it too! We also know that it’s well worth the cost. It improves the way we look and feel about ourselves. If you have
breast lift in addition to breast implants, the cost will generally be a little higher. Fortunately, there are many ways you can pay for breast augmentation. Most plastic surgeons accept many types of payment including cash, credit cards, and loans from specialized plastic surgery lenders. Many plastic surgeons have office staff who will help you to understand the
cost of breast augmentation and how to pay for it.
Using Cash for Breast Implants
Paying for your breast implant surgery with cash has both pros and cons. The biggest benefit is that you will not incur any debt if you actually have the cash to pay for your breast augmentation. This can be a great way to go, especially if you don't like the idea of having to pay off credit card debt or loans. The negative to using cash is that you won't have it in the bank any more. You should always have a little cash in the bank for unanticipated emergencies. If paying cash will completely drain your bank account, think about paying for part of all of your breast augmentation with a loan.
Plastic Surgery Loans
Several lenders specialize in providing loans to people who want cosmetic surgery such as breast augmentation,
liposuction,
tummy tuck,
face lift,
eyelid surgery,
nose surgery and even dental procedures such as veneers and dental implants. A plastic surgery loan might be right for you if you do not have enough cash to pay for your breast augmentation and/or breast lift. Even if you do, you may decide that you want to leave some or all of your cash in savings and use a plastic surgery loan anyway. If you decide to apply for a plastic surgery loan, keep in mind some of the following issues:
- Your credit score will impact your ability to get a plastic surgery loan.
- Your overall credit history and repayment ability also determine approval chances.
- Are co-signer options available for people with bad credit or no credit history?
- How much will the lender give you? Amounts can vary from $1,000 to $25,000.
- Financing for multiple procedures at once or over time should be available.
- What interest rate will the lender charge you?
- Are there programs with interest free payments for short periods of time?
- How long will you have to repay the loan? Loan terms may run from 6 months to 5 years.
- Is there a penalty for early repayment?
- Is there an application fee?
- Does the lender charge for credit or background checks?
- The lender must agree to complete confidentiality.
Breast Augmentation Using Credit Cards
Most plastic surgeons accept payment for all or part of your beast augmentation via credit card if you choose to use them. You can even use more than one credit card to pay for most cosmetic surgery procedures. Credit cards can be simple to use because they are widely accepted and you already have pre-defined limits. The downside to using credit cards to pay for breast augmentation or breast lift is that it is expensive. The interest rates on credit cards tend to be far higher than the interest rates on plastic surgery loans.
Other Ways to Pay for Breast Augmentation
Think about getting creative to finance your breast augmentation. For example, do you have a birthday coming up? Tell your husband, parents, grandparents or friends that you don't want gifts but want cash instead so you can treat yourself to something big. You probably won't get all the money you need this way, but maybe you can combine it with other savings you have. Do you have a parent or friend who will loan you the money at a favorable rate (better than credit card rates)? Most parents have money saved for retirement and would be willing to loan their daughter a small amount as long as she promises to pay it back. Do you own a home or apartment? If so, you may qualify for a low interest homeowner's loan or small second mortgage. You can use the proceeds of this type of loan to pay for your plastic surgery. Homeowner's interest rates tend to be very favorable.
Think about all the resources at your disposal to pay for your breast augmentation, breast lift or breast implants. Most people have many options available to them, more than they realize. If you really want the procedure, you can probably find a way to raise the money.