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Everything You Need to Know About Plastic Surgery Financing

If there’s one thing that is most likely to prevent someone from pursuing plastic surgery, it’s the cost. Sadly, plastic surgery can be an expensive procedure because it’s rarely covered by insurance. When classified as an elective procedure, which includes cosmetic procedures that are deemed “not medically necessary”, treatments like plastic surgery are not eligible for insurance coverage. Fortunately, financing fills this gap to provide patients with an affordable path to plastic surgery. Here’s what you need to know.

What is the best way to finance plastic surgery?

There are a handful of ways to finance your plastic surgery procedure, but the best options are typically through lending services that focus on healthcare lending. These are financing services that specifically enable patients to finance healthcare procedures, such as dental procedures, veterinarian services, and of course, cosmetic surgery. Furthermore, these services often offer competitive financing deals that can include interest-free payments and flexible payment schedules. At Port City Plastic Surgery, we recommend the Alphaeon Credit Card and CareCredit®.

What credit score is needed for cosmetic surgery financing?

The credit score required for cosmetic surgery financing can vary depending on the service you use to obtain financing. In many cases, however, lenders are looking for a minimum credit score around 600 to 650. As always, higher credit scores give you a higher likelihood of being approved, and often come with lower interest rates that will reduce your overall cost of financing.

How do people afford plastic surgery?

Many patients are able to afford plastic surgery thanks to plastic surgery financing. As outlined above, these services give patients the ability to pay for their treatment in small monthly payments, instead of paying everything up-front. If financing is not an option for you, there are still other solutions. One solution is saving up for plastic surgery over time. If you are not in a rush to get your procedure, you can set aside money for a few months or years until you have enough to pay for the treatment in full. Alternatively, you can take out a personal loan.

Do banks give loans for cosmetic surgery?

Yes, there are many banks out there that will provide personal loans, which can be used for cosmetic surgery. While this can be an effective option for paying for plastic surgery, keep in mind it may not be the most affordable option. Personal loans from banks may come with higher interest rates and fees, and often lack incentives that plastic surgery financing services offer (such as interest-free payments). It’s often beneficial to explore other options before resorting to a bank loan.

If you have any further questions about plastic surgery financing or would like to determine how much your procedure will cost, contact us today at Port City Plastic Surgery.


2683 Lake Park Drive
Charleston, SC 29406


125 River Landing Drive
Suite 101
Daniel Island, SC 29492