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Set aside money each week or month into a savings account thats earmarked for your procedure. Since health insurance rarely covers elective procedures, most patients need to pay for them out of pocket or with plastic surgery financing. Unfortunately, insurance companies rarely cover what they call elective cosmetic procedures. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. The content is subject to change without notice and provided solely for your convenience. So, why ask the same question in reverse only to put yourself at a disadvantage? Click for more cosmetic costs and additional information. There are many ways to finance plastic surgery, but it may depend on your credit score. Applicants also must demonstrate a minimum household income of $25,000 per year, though an average income is not disclosed. If youre able to qualify for a competitive rate and the loan has affordable monthly payments, financing the procedure could help you enjoy the results of a costly procedure sooner rather than later. Yes, it's possible to get finance to cover the cost of cosmetic or plastic surgery, whether it's through an unsecured personal loan, other form of finance, or through a payment plan organised with your surgeon. You may also explore other 0% APR credit cards. Overview LendYou.com is another loan referral service that can connect you with loan providers that work with clients with any credit score. Your financial situation is unique and the products and services we review may not be right for your circumstances. use credit scores to set loan terms, it complements this data with other factors in its internal algorithm. Note: payday loans can have triple-digit interest rates, so make sure you understand the terms thoroughly before committing to one. Some policies cover certain cosmetic procedures, such as reconstructive surgeries. So you dont have to worry about prepayment fees, late fees, or origination fees.