Frequently Asked Questions about Financing:
Q. What are the benefits of financing my cosmetic
A. There are numerous benefits but the most popular
is it allows you to have the surgery now versus waiting
months or years to gather the money.
Q. Does applying for the loan commit me to being
A. Although numerous plastic surgery financing companies
use the application process to commit you to the
loan, we proudly can say that we do not do that in
any way. As a patient, the last thing you need is
to feel pressure for such a huge personal decision.
However, by simply applying for the loan it allows
you, as the patient, to have a good understanding
of exactly what your financial possibilities are.
Q. What if I have had credit problems in the past?
A. We have programs for most all types of credit
histories. If you've been declined in the past by
other finance companies, we may still be able to
approve your loan request.
Q. What will my interest rate be?
A. Your interest rate will vary based on your credit
history, selected loan term, and loan amount. We
work with certain banks that have a twelve month
interest free rebate plan. When you pay back your
loan within a year, a rebate for the interest you
have given out to the bank will be mailed to you.
So in other words your interest will amount to 0%.
Patients with excellent credit ratings who apply
for financing qualify for extra-low interest rates.
Even patients with past credit problems can qualify
for very reasonable rates.
Q. What loan terms are available?
A. Available loan terms may include 12, 24, 36, and
48 months or a revolving credit line depending on
your credit background.
Q. Do I have to finance the entire surgery?
A. No. It is very common for people to finance half,
or three-quarters of the surgery cost and pay the
rest in cash. We are here to make your life easier,
and we can work with you in every situation.
Q. Is there a pre-payment penalty?
A. In most cases you may pay off your loan at any
time without penalty.
Q. Are there down payment requirements?
A. Down payment requirements are determined based
on your credit history and your health care provider's
requirements, if any. With average or above average
credit, you may not be required to put any money
down. However, keep in mind that the more you put
down, the lower your payments will be.
Q. How do I get more information?
A. To apply for a loan all you need to do is fill
out this financing form and you will be contacted
within 24 hours. It is a very simple process for