Plastic surgery financing options

MDcontour is an editorial platform — we do not lend money, process applications, guarantee approval, or endorse any specific lender. Lenders set their own rates, terms, eligibility, and underwriting. Always confirm offer details directly with the financing company and the surgical practice.

Common categories

Patients typically pay for plastic surgery with a healthcare credit card (CareCredit, Alphaeon Credit), a monthly installment plan (PatientFi, Cherry, Affirm), a medical loan (United Medical Credit, Prosper Healthcare Lending), or an in-house payment plan offered directly by the surgical practice.

What to ask the lender

Confirm APR, term length, total cost of borrowing, soft vs. hard credit pulls, and what happens if you don't pay off a promotional balance in time (some offers use deferred interest). Each surgical practice partners with a specific set of lenders — see a surgeon's profile for the financing options they list, or browse surgeons.

For procedure pricing context, see our pricing guide.