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Cosmetic Surgery Financing

Thursday, April 16th, 2009

Cosmetic surgery financing allows patients to break up the costs of their cosmetic surgery treatment into affordable monthly payments. Some cosmetic surgery clinics work with patients to help them finance their cosmetic surgery procedures.

One cosmetic surgery finance company is Capital One Healthcare Finance which provides patients a flexible plan and low interest rates. Cosmetic surgery procedures range from $1500 to $25,000 and can be financed through the Capital One plan.

Another finance carrier is Care Credit. They help pay for cosmetic surgery procedures not covered by your health insurance company. Care Credit also provides the patient with affordable monthly payments that works with your budget. The maximum guaranteed cosmetic surgery financing is $25,000.

Getting cosmetic surgery financing with bad credit you can inquire with the cosmetic surgeon themselves. They often will have a payment program in place that can be an effective solution for cosmetic surgery. If they do, be sure to inquire about the specific terms and how they would affect your payments. Make sure the payment plan covers all expenses from your initial consultation to your follow-up visits.

There are also a number of different online credit companies that specialize in guaranteed financing for cosmetic surgery with bad credit risk individuals. These online credit companies will offer high interest loans and often will require a down payment. Some of the better cosmetic surgeons finance companies include Surgeryfinancing.com and Healthone-financial.com.

Surgeryfinancing.com offers an extensive array of loan options with interest rates ranging from 4.9% to 17.9% and a full range of payment plans to choose from. Surgeryfinancing.com offers fixed term loans up to 60 months, a 12 month deferred payment plan with no interest, no pre-payment penalties, 0% interest on approved credit with loans from $1,000 to $25,000.

Healthone-financial.com has the ability to work with all credit types that meet your specific needs. 0% APR for the first six months, low interest rates, no annual fees, limits up to $25,000 and 24 hour customer care service.

Do you want to improve your credit score? Ask the surgeon to report your payments to the credit bureau. This will help you in your attempts to repair your bad credit. Every payment should be made on time and reported to the credit bureau, over time this will repair your credit.

The biggest key to cosmetic surgery financing for bad credit individuals is flexibility and creativity. Think outside the box and don’t take “no” for an answer. Don’t go to a cosmetic surgeon just because he has the lowest prices for his procedures. Keep searching and you will find a qualified surgeon that not only is a skilled cosmetic surgeon but will help you find a solution that fits your financial needs.

Cosmetic Surgery Joke:

A woman decided to have a face lift for her birthday. She spent $5000 and felt really good about the results. On her way home she stopped at a dress shop to look around. As she was leaving, she said to the sales clerk, ”I hope you don’t mind me asking, but how old do you think I am?”

”About 35,”he replied.

”I’m actually 47,” the woman said, feeling really happy.

After that she went into McDonald’s for lunch and asked the order taker the same question.

He replied, ”Oh, you look about 29.”

”I am actually 47!” she said, feeling really good.

While standing at the bus stop she asked an old man the same question. He replied, ”I am 85 years old and my eyesight is going. But when I was young there was a sure way of telling a woman’s age. If I put my hand up your skirt I will be able to tell your exact age.” There was no one around, so the woman said, ”What the hell?” and let him slip his hand up her skirt. After feeling around for a while, the old man said, ”OK, You are 47.”

Stunned, the woman said, ”That was brilliant! How did you do that?”

The old man replied, ”I was behind you in line at McDonald’s.”