Let’s talk about something that isn’t as fun as picking out your dream procedure but is just as important—how to pay for it.
We get it. Cosmetic treatments are an investment in you, but that doesn’t mean you need to drain your savings account upfront. The good news? There are more financing options than ever, from medical credit cards to flexible payment plans.
The bad news? Not all lenders are created equal. Some offer low-interest promotions, while others hit you with sky-high APRs.
In this blog, we’ll break down:
✔ The top healthcare lenders (and who they’re best for)
✔ Red flags to avoid
✔ How to pick the right plan for your budget
✔ What our office offers to help
No confusing financial jargon—just straight talk so you can make the smartest choice.
Why Consider Financing? (Besides the Obvious!)
Paying out-of-pocket isn’t always realistic, and that’s okay. Here’s why patients love financing:
- Spread payments over time (instead of one big hit to your wallet).
- Take advantage of promotions (some lenders offer 0% interest for a year).
- Start treatment sooner (no waiting years to save up).
Example: "I financed my mommy makeover with 12 months of 0% interest. It cost less per month than my car payment!"
Top Healthcare Lenders Compared
We’ve worked with many patients using these companies—here’s the inside scoop.
1. CareCredit (The Most Popular)
✔ Best for: Smaller procedures (Botox, fillers, minor surgeries).
✔ Perks:
- 0% interest if paid in full within promo period (6–24 months).
- Accepted at many med spas and surgeons’ offices.
✖ Watch out: - High APR (up to 30%) if you miss a payment.
- Not ideal for loans over $10K.
2. Alphaeon Credit
✔ Best for: Larger procedures (breast augmentation, tummy tucks).
✔ Perks:
- Longer terms (up to 60 months).
- Fast approvals.
✖ Watch out: - Interest rates vary (check your offer carefully).
3. Prosper Healthcare Lending
✔ Best for: Patients with good credit (better rates for high scores).
✔ Perks:
- Loans up to $50K.
- No prepayment penalties.
✖ Watch out: - Hard credit check (can ding your score temporarily).
4. United Medical Credit
✔ Best for: Fair-to-good credit borrowers.
✔ Perks:
- Works with a wide network of providers.
- Multiple loan term options.
✖ Watch out: - Higher APRs for lower credit scores.
Red Flags to Avoid
Not all financing is created equal. Steer clear if you see:
🚩 Prepayment penalties (you should be able to pay early without fees).
🚩 Deferred interest traps (where interest piles up and hits you later).
🚩 Sky-high APRs (anything over 20% is questionable).
🚩 Pressure to borrow more than you need (stick to your budget!).
Pro Tip: Always read the fine print—especially the part about what happens if you miss a payment.
How to Choose the Best Option for You
Ask yourself:
1. How much do I need to borrow?
- Under $5K? CareCredit’s 0% promo might work.
- Over $15K? Look into Alphaeon or Prosper.
2. How’s my credit?
- Excellent (700+)? You’ll qualify for the best rates.
- Fair (600–700)? Focus on lenders like United Medical Credit.
- Poor (<600)? Ask your provider about in-house payment plans.
3. How fast can I pay it off?
- If you can pay within a year, a 0% promo is ideal.
- If you need 3+ years, prioritize low fixed rates.
What Our Office Offers
Because we want financing to be stress-free, we:
✔ Accept all major healthcare lenders (CareCredit, Alphaeon, etc.).
✔ Offer in-house payment plans (no credit check for qualified patients).
✔ Provide fee estimates upfront (no surprise costs later).
Just ask us—we’re happy to explain your options!
Smart Alternatives to Loans
If financing isn’t your style, consider:
- Medical savings accounts (HSA/FSA) – Tax-free money for eligible treatments.
- Credit card with 0% intro APR – Only if you can pay it off in time.
- Layaway plans – Some practices let you pay over time before surgery.
Financing your aesthetic journey should help you, not stress you out. The right plan lets you:
✅ Get the procedure you want now.
✅ Avoid financial strain.
✅ Feel confident in your decision.
Ready to explore your options? Contact us for a consultation—we’ll walk you through every step.
