Borrow the Money from a Loved One
Some people borrow money from a loved one. This can be a family member, significant other, or a close friend. They do this because they often don’t have to pay interest or as much as they would if they chose a commercial loan with a financing company or bank.
Just be careful with this one because it can strain a relationship, especially if you end up with a financial hardship and can’t pay the money back in the time expected. Usually, having a discussion about the potential outcomes can help avoid any issues.
Get a Bank Loan
Some people choose a bank loan. However, these loans can come with high interest rates, making plastic surgery even more expensive. It’s best to shop around when you looking for a lender.
Use a Credit Card
People can get credit cards with thousands of dollars of charging power. This means it’s possible for them to charge their plastic surgery procedure now and pay it off later. The problem is that the interest rates can be extremely high and qualifying for a credit line can be difficult. However, some options include zero down and interest free plans, so look into several companies before deciding which option is best for you.
Get a Home Equity Loan or Line of Credit
Earned equity may be an option for some people. This equity can be used to pay for a plastic surgery procedure and then paid back, with interest, at a later time. It’s best to speak to your home mortgage company for more information on this. It’s not right for everyone. One disadvantage to this option is if something happens to your home, you may not have the equity available to pay for the repairs that insurance won’t cover.
Financing Options at the Plastic Surgery Office
Some plastic surgery offices, like Advanced Cosmetic Surgery of New York, offer financing options. We review your credit history and then set up a payment plan you can afford. Most patients prefer this option because they don’t have to worry about owing money to their loved ones, and they save money by not having to pay as much in interest.
We now have options for 50% down in-house financing and other options for those with below average credit scores.
Contact Us for More Information about Financing
Financing plastic surgery shouldn’t be stressful. At Advanced Cosmetic Surgery of New York, we make it easy for patients to pay for their plastic surgery procedure. Schedule a free consultation with us today to discuss the procedure you’re interested in and how our financing works.
We have appointments available at our Manhattan or Commack, Long Island office Monday through Friday 8:00 AM to 6:00 PM and availability on Saturdays.
We look forward to helping you make your dream of plastic surgery a reality.