Can You Pay For Plastic Surgery With Bad Credit?

Plastic surgery, once taboo, seems to have become more commonplace. This may be due to the increased number of celebrities that have had plastic surgery. Or, it may be due to the fact that people are spending more time in front of a camera. Whether they are taking selfies or attending Zoom meetings, we are hyper-aware of our appearance thanks to technology. Whatever the case may be, more people are willing to pay to look better. As you may know, any medical procedure can be costly. But, what can you do if you want plastic surgery and don’t have the credit to back you up? Can you pay for plastic surgery with bad credit?

How Much Does Plastic Surgery Cost?

There are many different types of plastic surgery, each focusing on different areas of the body. Before you can determine if you plastic surgery is affordable, you need to know how much it costs. Here are some of the more popular plastic surgery procedures and their average cost, according to carecredit.com :

• Botox $408
• Saline/Silicone Breast augmentation $3,947
• Breast lift $4,693
• Breast reduction $5,475
• Cheek implants $2,986
• Facelift $7,467
• Liposuction $3,548
• Nose job $5,409
• Tummy tuck $6,092

Don’t forget to also budget for time missed from work due to the surgery. Many of these procedures can take weeks to heal and could take more than one session to get your desired results.

Can You Pay for Plastic Surgery with Bad Credit?

Before taking out a loan or paying for your plastic surgery on credit, make efforts to improve your financial situation. If you’re looking for a few quick ways to increase your credit score, you can:

• Pay off/pay down debt
• Open a savings account if you don’t already have one
• Dispute items on your credit report
• Refrain from making any hard inquiries on your credit
• Do not open any new ones or close lines of credit

However, if you’ve improved your credit as much as you can but still have a low credit score, there are still ways to pay for plastic surgery with bad credit.

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How to Pay for Plastic Surgery with Bad Credit

Bad credit can stop you from being able to finance your plastic surgery. Here are a few ways you’ll be able to pay even if your credit isn’t the greatest.

1. Ask about a payment plan.

Some doctor’s offices offer payment plans to make it easier to pay for procedures. First, you must provide a down payment for the surgery, which usually equals a percentage of the total cost. After that, you make monthly payments (with interest) until your surgery is paid off. However, be warned that some surgeons may require it to be paid in full before they perform the procedure.

2. Save up.

If the clinic doesn’t offer flex pay options and you don’t want to take on more debt, the simple solution is to save up. If the procedure isn’t urgent, take some time to save and think about how plastic surgery will affect your finances. In some instances, it is better to wait and have cash in hand, especially if the procedure isn’t addressing an immediate health concern.

3. Get a loan.

There are several types of loans available if you need to pay for plastic surgery, but have bad credit. Many banks and financial institutions can offer unsecured loans and surgical facilities can arrange medical loans. However, if you have bad credit, expect to pay higher interest rates. Another option is to ask friends or family for a personal loan if you can’t find a lender with reasonable terms.

4. Put it on a credit card.

Should you decide that the procedure simply can’t wait, consider paying for your plastic surgery with your credit card. Credit cards that have interest rates below 10% would have total fees comparable to the interest you would pay on loans. If you make your monthly payments on time, it could actually help to improve your credit.

Choosing to Have Plastic Surgery

Although there have been many surgical advancements, plastic surgery still comes with many risks. It is a huge decision, and one that should not be made lightly. Not only does it affect your physical health, but also your financial health as well.

Either way you look at it, before you spend thousands of dollars on plastic surgery, it is important to take an honest assessment of your finances. If you are struggling because of bad credit, you should probably focus on boosting your credit first. Although enhancing your physical appearance can have many positive psychological benefits, having good credit will continue paying off for years to come.

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Jenny Smedra

Jenny Smedra is an avid world traveler, ESL teacher, former archaeologist, and freelance writer. Choosing a life abroad had strengthened her commitment to finding ways to bring people together across language and cultural barriers. While most of her time is dedicated to either working with children, she also enjoys good friends, good food, and new adventures.