Finance Your Tummy Tuck, Liposuction and Other Plastic Surgery

Cosmetic Surgery Payment Options

Liposuction, tummy tuck and other body contouring procedures can be expensive but the improvement in self esteem, confidence and appearance is worth every penny. There are several different ways to pay for your plastic surgery procedure, whether you prefer to have a single procedure such as liposuction or multiple procedures such as combined tummy tuck and liposuction. Plastic surgeons generally accept payment in the form of cash, credit cards or plastic surgery loans. Most plastic surgeons also have nurses or administrative personnel who will help you to apply for a plastic surgery loan. You may want to learn about the cost of liposuction or tummy tuck cost before you meet with your plastic surgeon.

Plastic Surgery Loans

Your plastic surgeon probably works with one or more companies who provide loans to patients who want all types of cosmetic surgery, including liposuction, tummy tuck, gynecomastia, face lift, eyelid surgery, nose surgery, breast augmentation and breast lift. These companies often allow you to combine procedures to get a full body makeover from your plastic surgeon. You may qualify for a plastic surgery loan if you have decent credit history and can show some income. Your plastic surgeon’s office staff can help you to fill out your loan application.

Plastic surgery loans generally carry lower interest rates than credit cards do. If you don’t have enough money to pay cash or don’t want to pay cash for your tummy tuck or liposuction, this is usually a better option than putting the procedure on your credit card.

Credit Cards

You may be able to pay for some or all of your liposuction or tummy tuck using credit cards. Most plastic surgeons accept multiple types of credit cards including VISA, MasterCard and American Express. You should ask your surgeon if they do. You can usually split the cost of the procedure by putting some on each credit card you have. You can even combine credit card payments with cash or loans. Credit cards are easy to use, but they come with a downside...a very high interest rate. It is not wise to leave a large balance on your credit card for a long time because the interest expense is much higher than with other forms of payment.

Cash Payment 

If you have saved enough money, you can pay cash for your liposuction, tummy tuck or other plastic surgery procedure. This can be a great way to go, especially if you don't like the idea of having to pay off credit card debt or loans. The negative to using cash is that you won't have it in the bank any more. You should always have a little cash in the bank for unanticipated emergencies. If paying cash will completely drain your bank account, think about paying for part of all of your breast augmentation with a loan.

Personal Loan

While plastic surgery loans, credit cards and cash are the most common ways to pay for liposuction and tummy tuck, they aren’t the only ways. You may have a parent, friend or significant other who will loan you the money or co-sign a loan application for you. If you own your home or apartment, you may be able to get an inexpensive homeowner’s loan from your bank and use the money from the homeowner’s loan to pay for plastic surgery. Homeowner’s loans tend to have much lower interest rates than credit cards.

You probably have a lot more ways to raise the money for your tummy tuck or liposuction than you realize. Explore all the traditional options and get creative. If you really want it, you can make it happen.