Plastic Surgery Financing

Because most cosmetic procedures are not covered by insurance, patients often look for practical ways to plan and manage the cost of treatment. Flexible financing options can make it easier to move forward with confidence.

Two female patients filling out paperwork in the Lampert MD waiting room

Understanding Your Financing Options

In the past, undergoing a life-changing cosmetic procedure was often limited to a small percentage of the population. Today, financing options have expanded significantly, making it easier for patients to plan for treatment in a way that fits their budget and timeline.

A range of established financing companies now specialize in elective procedures not typically covered by insurance, offering structured payment plans to make care more attainable.

Cherry

Cherry is a financing option available for patients seeking a simple way to break treatment costs into smaller monthly payments. It can be a helpful choice for those looking for a straightforward application process and added flexibility.

CareCredit

Medical credit cards have become a popular option for many patients seeking flexible financing. Dr. Lampert accepts CareCredit, one of the leading medical financing companies in the country. Founded in 1987, CareCredit offers special financing options with convenient payment terms that can be tailored to individual needs.

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Prosper Healthcare Lending

Prosper Healthcare Lending is a well-known financing company in the cosmetic surgery space, offering flexible loan options for elective procedures. Patients may benefit from:

Immediate decisions for loans under $35,000
Term options out to 60 months for manageable monthly payments
No collateral required
No prepayment penalties
A fast and straightforward application process

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Other options for financing are:

In addition to dedicated healthcare financing providers, patients may consider several other approaches depending on their financial situation and preferences:

Consumer Credit Cards (Visa/MasterCard/American Express)
Personal unsecured bank loans
Savings Accounts
401 (k) loans
Personal loans from family or friends

Pros and Cons of Financing Options

Personal Bank Loans

Personal unsecured bank loans often carry interest rates similar to credit cards and come with a fixed repayment period. When managed responsibly, they can help build credit over time. Unlike credit cards, however, the loan amount cannot be increased once issued.

Home Equity Loan or Line of Credit

Using home equity as collateral may offer a lower interest rate compared to unsecured loans. While this can make monthly payments more affordable, it does place your home as security until the loan is fully repaid. Interest may be tax-deductible, depending on your financial situation.

Consumer Credit Cards

Some consumer credit cards offer promotional rates, including low or zero percent introductory APR periods. If the balance can be paid within that timeframe, this may be a practical option. However, missed payments can result in higher interest rates, so it is important to understand the terms fully before proceeding.

401 (k) Plans

Many 401(k) plans allow participants to borrow up to 50 percent of their vested balance, with a maximum limit of $50,000. Repayments are typically deducted directly from a paycheck. While this option does not impact credit scores, it is important to consider tax implications and long-term retirement planning.

Family & Friend Loans

Borrowing from family or friends can offer flexibility and avoid traditional credit requirements. Clear communication and agreed-upon terms are important to help maintain personal relationships throughout the repayment process.

Gift Funds

Some patients choose to set up a fund where friends and family can contribute in place of traditional gifts. Over time, these contributions can help offset the cost of a procedure.

Savings Accounts

Using personal savings is another option, though it may not be ideal if those funds are intended for emergencies or long-term financial security. In many cases, patients prefer to maintain their savings while exploring structured financing solutions.

Contact Us

There is no need to delay a procedure you have been considering solely because of financial concerns. Our team is available to help you review your options and determine an approach that aligns with your goals, timeline, and overall financial plan.