How to Pay for Plastic Surgery With Bad Credit

pay for plastic surgery with bad credit

The number of plastic surgeries being performed each year is climbing. Approximately 15 million people receive some kind of cosmetic surgery each year in the Untied States. People like Kim Kardashian have made plastic surgery commonplace, which has led to us non-celebrities wondering how we can look like that.

Well, there’s no looking like Kim K without going under the knife but not everyone has the cash (or credit) to get that type of work done. This leads people to wonder if they can pay for plastic surgery with bad credit.

Can You Pay for Plastic Surgery With Bad Credit?

Yes. You can pay for plastic surgery with bad credit. There are many different types of loans and payment options available for people with bad credit. You may, however, want to consider working on your credit before paying for plastic surgery. Here’s how to raise your credit score 200 points.

How to Pay for Plastic Surgery With Bad Credit

If you’re not interested in raising your credit score before attempting to pay for your procedure, don’t worry. There are plenty of ways to pay for plastic surgery with bad credit. Below are just a few of the financing options available.

  • Ask for financing through the doctor’s office. Some doctor’s offices will allow you to set up a payment plan for larger, more expensive procedures. Ask if this is an option at the cosmetic surgeon you plan to visit.
  • Apply for a beauty loan. You can get a loan to get plastic surgery with bad credit but it isn’t likely. If your credit is that bad, you won’t likely be approved. Those who decide to pull out a loan for plastic surgery have two types to choose from:
    • Secured: A secured beauty loan requires the borrower to provide some sort of collateral. This usually ends up being the person’s home or car. It is important to remember that if you do not make your payments on this kind of loan that you could lose your collateral (in some cases your home).
    • Unsecured: Unsecured loans are similar to credit cards. In fact, I would suggest applying for an unsecured credit card to cover the cost of your plastic surgery rather than taking out a loan (there will be less interest on your card).
  • Get a Flexible Spending Account. Flexible Spending Accounts (FSAs) are set up through your place of work. You put cash into the account and use it to pay health expenses (which can include plastic surgery). The money isn’t taxed and you won’t have to pass a credit check if you decide to pay this way.
  • Just save the money. Lastly, if you really want plastic surgery you could simply just save the money. Although it will take some time you will still get the same end result without going into debt doing it.

Paying for cosmetic surgery can be difficult, especially if you have bad credit. Luckily enough there are these suggestions (and more) to help you pay for plastic surgery with bad credit.


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