Knowing how to finance plastic surgery with bad credit may allow you to have the face or body of your dreams regardless of your financial history. Though bad credit makes it more difficult to finance the procedure you've been dreaming of, it is not impossible. In fact, there are a number of different financing options for those with less than perfect credit scores. Read on to learn more about how to finance plastic surgery with bad credit.
Ask your doctor about payment options. Many people don't realize this, but a lot of doctors offer in-house financing that is not credit based. If your doctor offers such services, you may be able to make monthly or weekly payments directly to the doctor's office. Some doctors will allow you to make these payments after the surgery is performed, while others will require you to make payments and pay off all or some of the procedure before it is performed.
- Look for designated plastic surgery loans. Believe it or not, many lenders offer loans especially for cosmetic surgery. While these loans are typically credit based, some have lower requirements than other types of loans, making it more possible to finance plastic surgery with bad credit.
- Find a co-signer. If you know your credit score is too low to qualify for any type of loan, find someone with excellent credit to co-sign. This will increase your chances of being approved and provide you with lower interest rates.
- Consider putting up collateral. There are a number of loans that allow you to put up some type of collateral, such as a home or vehicle. Doing so increases your chances of being approved to finance plastic surgery with bad credit, but if you do not make your payments, you will lose whatever your put up for collateral.
- Apply for a credit card. When looking to finance plastic surgery with bad credit, you may need to consider outside financing options, such as a credit card. Many companies offer credit cards for those who have bad credit. Though your interest rates will be higher than they would be with a traditional credit card, a credit card designed especially for people with bad credit can make it possible to finance a plastic surgery procedure with bad credit.