How to Finance Plastic Surgery With Bad Credit

Plastic surgery can be an expensive endeavor. Since the reasons for plastic surgery are usually cosmetic, it is rarely covered by insurance. As a result, you have to pay for your plastic surgery out of your own pockets. Due to the intensely high costs of surgeries, patients often finance their procedures. If you have bad credit, this financing process can be more difficult. You can, however, take steps to actually finance plastic surgery with bad credit.

Consult a plastic surgeon regarding costs. You should know the total cost of the desired procedure prior to seeking financing. Make sure aftercare expenses are included in the total.

Obtain a copy of your credit report from either Transunion, Experian or Equifax. Review the report to make sure it is correct. If anything is amiss, contact the agencies regarding correcting the error. It's important to be fully aware of the situation before you seek financing.

Ask the surgeon's office about personal financing programs. Due to the high cost of plastic surgery, many doctors' offices offer personal financing plans. Expect to pay a higher interest rate on these plans.

Talk to the surgeon about any discounts available. While you don't want to skimp on plastic surgery, many doctors are willing to negotiate with patients in financial hardship. You may not get a hefty discount but there's a good chance you can save some money.

Inquire about a personal bank loan. If you have some method of collateral, such as a home, car or other personal asset, you may qualify for a personal loan. If your collateral qualifies you for a bank loan, you'll likely get a higher interest rate since the bank takes on risk by loaning to those with poor credit.

Be honest about your credit history. Do not lie in an attempt to get a loan. The loaning agency will find out about your credit issues when they run a credit check on you. You'll be in a better position if you put everything on the table initially.

Bring in copies of your pay stubs. If you have poor credit history but have turned your situation around, provide proof. By showing the loaning institution that you have steady income, you'll be more likely to get a loan from them.

Put down a few solid references. If you have bad credit, you'll need more references than those with solid credit.

Have a family member or friend with good credit co-sign on your loan. The co-signer is putting their money and credit on the line for you. If you don't make payments, they are then on the hook for the loan.


  • Make all payments on time. If you miss a payment, there may be serious repercussions.


  • Never lie on a loan application. It will seriously decrease your chances of getting a loan.