When you’re on a tight budget and counting those dollars, pursuing elective surgery may seem like an intangible dream – and won't make it to your priority list. Many cosmetic surgery treatments can cost $500 - $2,000 or more, a considerably large sum when you’re trying to save money. Taking advantage of low and no-interest financing plans means you can break up payments for your cosmetic treatment and enjoy your new look within weeks.   

There are now several ways you can pay for elective surgery without overextending your finances. Patient financing makes it easy to pay for any cosmetic surgery treatment or procedure so you can go ahead with your treatment plan without worrying about high upfront costs.   

Consider these key benefits of pursuing patient financing for that facelift, liposuction or any elective surgery procedure:  

1. No interest payments on select plans. Companies such as CareCredit offer no interest plans as long as you pay the balance within 3, 6, 12, or 18 months.  If you’re willing to make larger payments each month, this type of patient financing can help save you money on interest and enjoy the freedom of paying in installments.

2. Low interest rates. Instead of turning to a high interest loan or credit cards to pay for your cosmetic surgery procedure, patient financing offers a competitive rate that can be paid off in up to 60 months. Having an option to pay off the loan in 5 years may give you more flexibility with your finances so you can pursue your surgery today.

3. No initial payment. Many patient financing plans don’t require any upfront payments so you can step out of that doctor’s office without opening that wallet.  All fees, costs and applicable taxes can be rolled into your monthly payment plan.

4. More options for elective surgery treatments. When you apply for patient financing, you may qualify for a much larger sum than your proposed treatment. This can help you plan ahead and explore other cosmetic surgery procedures now, or in the near future. From anti-aging treatments to liposuction, you may be able to pursue other types of surgery without worrying about a downpayment, high interest rates and other fees.

5. A confidential and secure application. While you may apply for patient financing online or at the doctor’s office, all processing will take place by another company where your privacy is well-protected. Your financing will be managed by a third party that delivers excellent customer service and helps you manage your payment plans with ease.

Whether you need a tummy tuck or just want to try microdermabrasion, patient financing offers you more flexibility and options for finally getting that cosmetic surgery procedure. Becoming pre-qualified for your procedure can help you choose the best treatment package and open you up to the wealth of options available. Learn more about patient financing options in our informational guide, or find a doctor in your area who can offer an installment payment plan of their own. 

If the cost of elective surgery is holding you back from looking your best, patient financing can help you get the treatment you want – and sooner than you think.