How to Finance for Cosmetic Surgery

Article Written by Dr. Jan Zemplenyi

Cosmetic surgeries, unlike standard operations, are oftentimes not done for medical reasons. These surgeries are not crucial and are viewed as luxuries, rather than life-threatening necessities. As such, these surgeries are oftentimes not covered by insurance. If you are looking into altering your nose, breasts, stomach, face, or any other part of your body to enhance your appearance, you will have to pay with cash, credit, or other methods. Two of the most popular methods have paying for these surgeries have been outlined below.

Personal Loan

If you do not currently have the money to finance your cosmetic surgery, then taking out a personal loan may be the quickest way of obtaining the money you need. An unsecure bank loan could be a fairly quick process, meaning that you could have the cosmetic surgery done not too long after you apply for the loan.

A downside to paying for the surgery by taking out a personal loan is that you will need to pay the bank interest, on top of the amount you are borrowing. That being said, if you have a solid credit history you may be able to qualify for a lower interest rate.

Credit Card

Another option for financing your cosmetic surgery is to use a personal credit card. Look into different credit cards to find one with a low APR to minimize the amount you will need to pay back. A downside to this method, however, is that such a large transaction could be harmful to your credit score. If the surgery is not urgent, this may not be the wisest method.

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