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How to Finance Plastic Surgery [What to Know]

doctor performing a plastic surgery consultation

Approximately 1.4 million plastic surgeries are performed each year in the United States. Some of the most popular plastic surgery procedures are:

  • Breast implants
  • Nose jobs
  • Facelifts
  • Liposuction
  • Tummy tucks

Plastic surgery can come with a significant price tag, and cosmetic procedures are not typically covered by health insurance plans. But if you’re unhappy with an aspect of your appearance, plastic surgery may be well worth the cost. Not only can cosmetic surgery potentially improve your appearance, but it may also boost your self-esteem and bolster your self-confidence.

Considering the high cost of most cosmetic surgeries, it’s normal to wonder how to finance plastic surgery. Can you get financing for plastic surgery? And what about plastic surgery financing with bad credit?

Fortunately, there are plenty of medical financing solutions available. If you can‘t afford plastic surgery, consider getting a loan through United Credit’s lending partners. Thanks to our vast lending partner network, United Credit can help you finance plastic surgery.

Read on to learn how

The Benefits of Financing for Plastic Surgery

At United Credit, we believe everyone should have access to plastic surgery procedures without the stress of dipping into savings or racking up credit card debt.

Financing for plastic surgery provides patients with many benefits.

Flexible Repayment Terms

United Credit provides an extensive list of trusted lenders, giving you various loan options. This lets you choose the repayment and loan terms that best suit your budget, needs, and preferences.

Fast Financing

United Credit works alongside a vast network of lending partners, so you can get financing for plastic surgery when you need it. If you qualify for pre-approval, you’ll receive financing options within minutes of completing your application. Otherwise, you’ll receive more information once we match you with our lending partners.

Ability to Secure Plastic Surgery Financing with Bad Credit

Not every patient has stellar credit, and that’s understandable. Unfortunately, poor credit scores can often deter patients from seeking the procedures that would help improve their lives. With help from United Credit, you can access options for plastic surgery financing with bad credit, excellent credit, or anything in between.

Ability to Choose How Money Is Spent

Financing for plastic surgery shouldn’t be limited to the cost of the surgery itself. Surgery often requires recovery periods, so you may miss out on wages or face other expenses during this time.

Fortunately, our financing solutions provide you with the flexibility to choose how to spend your loan.

Ability to Get Plastic Surgery Sooner

Plastic surgery can be expensive, and it can be difficult for patients to pay the entire cost of a procedure upfront. Many medical facilities don’t provide repayment plans, so patients may feel they need to put off having surgery. With financing options through United Credit’s lending partners, you can get the surgery you need right away without draining your bank account or waiting to save up for the procedure.

Easy Application Process

We provide a simple online application and a streamlined application process. Applications can be completed in a few minutes and only require basic information about you, your income, and your contact information. After you complete an online application, we will submit it to our lender network. If you pre-qualify, you will receive a financing option within minutes (or up to one business day) after the application is submitted.

If one of our lending partners approves your loan request, we may contact you to review the terms and conditions. Once the terms are accepted and any stipulations are provided, the lender will disburse the funds you have requested.

How to Finance Plastic Surgery: Average Costs

The cost of cosmetic procedures varies from state to state, but here are some average prices of eyelid surgery, breast augmentation, and other popular aesthetic surgical procedures:

  • Botox: $385
  • Eyelid surgery (blepharoplasty): $3,022
  • Cheek implants: $2,823
  • Facelift (rhytidectomy): $7,048
  • Forehead/brow lift: $3,403
  • Chin augmentation: $2,225
  • Lip augmentation: (other than injectable materials) $1,727
  • Nose surgery: (rhinoplasty) $5,046
  • Breast augmentation: $3,824
  • Abdominoplasty (tummy tucks): $3,000 to $8,500

Can You Make Payments on Breast Implants or Other Cosmetic Surgical Procedures?

Yes. You can get a loan for plastic surgery and then make payments on that loan. However, it is worth first checking with your health insurance provider to see if they will cover part of the procedure.

Conditions that cause discomfort or pain may qualify for coverage. Procedures like breast reconstruction and skin grafts are often covered. Insurance plans will not pay for plastic surgery if the reason is purely aesthetic unless the issue results from a congenital disability, disease, or trauma. For example, an insurance company may cover the costs of surgery to correct a cleft palate, but it’s unlikely they’ll cover a rhinoplasty if the only reason for the nose job is to improve appearances.

Each cosmetic surgery procedure has its own set of considerations, and The American Society for Aesthetic Plastic Surgery provides detailed information on how to prepare for them.

Do Plastic Surgeons Offer Payment Plans?

Yes. Some surgery centers offer installment loans based on the specifics of your financial situation. However, even if you have an excellent credit score, you will be limited in your choice of lenders. United Credit works with an extensive network of lenders, which means you may get a lower interest rate.

Plan for Your Plastic Surgery Loan

Before you schedule cosmetic surgery, you should make a list of all costs.

Some common costs that patients consider when deciding between various loans and monthly payment plans include:

  • Cost of the surgery itself
  • Number of nights in the hospital
  • Recovery costs like medical supplies and medications
  • Downtime from work

Knowing your total expected costs helps when choosing monthly payments that fit your budget.

What Does United Credit Offer?

United Credit can help you get financing for plastic surgery. We help consumers with a wide range of credit scores apply for financing through our lending partner network.

In other words, we connect people like you with the loan you need.

We are not a credit card company. Instead, we are a gateway to installment loans and other financing options with affordable interest rates and payment terms best suited for your credit profile. Loans from our lender network vary based on your credit application.

What Are the Requirements for Approval?

Each of our lending partners has unique requirements and takes multiple factors into consideration, including but not limited to income, credit profile, and outstanding debt balances. In many cases, all you need is a valid ID and a verified mailing address for pre-approval.

How does the Financing Process Work?

After you complete an online application, we will submit it to our lending partner network to match you with the best financing option based on your application details. If you qualify for a pre-approval, you will receive a financing option within minutes (or up to one business day) after the application is submitted.

If your application is matched with one of our lending partners, we may contact you to review the terms and conditions. Once the terms are accepted and any stipulations are provided, our lending partners will disburse the funds you have requested.

Apply for Financing for Plastic Surgery with United Credit

Plastic surgery offers many benefits to your appearance and emotional well-being. Don’t let the cost of surgery hold you back from getting the procedure you need.

Whether you’ve got excellent credit or you need plastic surgery financing with bad credit, United Credit can help. Our diverse lending partner network will help you find the best options for your situation, so you can get the surgery you need without the wait.

Is the cost of plastic surgery holding you back? Find the right financing solution for you by completing our online application today.

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.