Plastic Surgery With Bad Credit

As most people know, plastic surgery is not the cheapest endeavor. Due to the fact that the vast majority of plastic surgery procedures are solely for aesthetic purposes, it is unlikely that you’ll be able to have yours covered by your health insurance provider. This results in most patients having to pony up the dough or finance the surgery themselves. If you have bad credit, the process of finding financing can be a rather daunting task indeed, but don’t lose hope just yet. There are a few options still available to help you obtain your ideal physique.

Step 1 – Discuss the costs with your surgeon and find out the total expense of the procedure prior to seeking financial aid. Be certain that the aftercare is covered in the total to avoid any unnecessary surprises down the road.

Step 2 – Get a copy of your credit report from a reputable source, reviewing it to ensure it is correct and up-to-date. If you happen to notice something off, you can contact the agency to find out whether there has been an error. Being fully aware of your current financial state is important before pursuing funding.

Step 3 – Find out information regarding your physician’s personal financing options. Because cosmetic surgery is such an expense to most people, most offices will offer personal financing to patients. While these can be convenient, you should expect to pay a higher rate of interest. 

Step 4 – Gather information about any possible discounts that may be offered for the procedure. While plastic surgery is never an area you will expect to pay a premium for in order to get the best results, there are many physicians who will work with you to negotiate a price which is affordable to you. While you shouldn’t expect to obtain any heavy discounts, there is a good chance that you will be able to lower your expenses at least a little.

Step 5 – Head down to your financial institution of choice and inquire about a personal loan. If you can offer collateral, such as a car, home or any other personal asset, you may have a better chance of qualifying. Additionally, collateral will likely allow you to receive a lower interest rate.

Step 6 – Make sure you are honest regarding your credit history. If you lie in an attempt to secure your loan, you will be found out eventually. You’ll be in a much better position to negotiate if you are up front about your current financial situation. 

Step 7 – Save up your pay stubs and bring them into the bank. If you happen to have a poor credit history and have made an effort to turn your situation around, you’ll be much more likely to secure a loan.