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Loans for Plastic Surgery: Hair Restoration

Hair loss may seem like a trivial health concern but for those who suffer from it, it is both physically and emotionally distressing.

The American Hair Loss Association (AHLA) website noted that, according to The Washington Post, Americans who suffer from hair loss spend more than $3.5 billion a year in hair loss treatments. This figure is indicative of the gravity of the situation. Most of the time, people just take for granted a thick head of hair until it starts to disappear.

For those suffering from hair loss, hair restoration or hair transplant is a common and effective option to restore confidence and improve appearance.

Hair transplant, according to WebMD, is a “surgery that involves removing a narrow strip of hair-bearing scalp from the back of the head and using it to fill an area with thin or no hair.”

The experts at AHLA note that hair restoration surgery should be a last resort to stop the progression of hair loss. In addition, not everyone who thinks they need hair transplants is actually “qualified” for the procedure. Among other cases, the ideal candidates for hair restoration surgery are:

  • Men and women who have lost hair due to trauma or burns;
  • Men and women who lost hair due to other cosmetic procedures; and
  • Men who have male-pattern baldness.

A hair transplant surgery generally involves the following procedures:

  • The surgeon will clean the scalp and inject an anesthetic to numb the area where a three- to four-inch strip will be removed using a scalpel.
  • The removed strip of scalp will be set aside and the exposed scalp area will be sewn.
  • The surgeon divides the strip of removed scalp into about 500 to 2,000 tiny grafts containing an individual hair or just a few hairs each. The number and type of graft used is based on the patient’s hair type, quality, color and size of the area where it will be transplanted.
  • After the grafts are prepared, the surgeon cleans and numbs the area where the hair will be placed. The surgeon will then create holes or slit with a scalpel or needle, and place each graft in one of the holes. This could take four to eight hours.

Within two to three weeks after surgery, patients can expect the transplanted hair to fall out and notice new growth within a couple of months.

Attendant costs

WebMD estimates that the cost of hair restoration surgery largely depends on the amount of hair to be transplanted. Generally, it ranges from $4,000 to $15,000, and as with most cosmetic surgery procedures, it is rarely covered by insurance.

For prospective patients, an option would be to obtain loans for plastic surgery.

United Medical Credit (UMC) helps potential patients obtain financing for cosmetic surgery procedures such as hair transplants. As an intermediary, UMC has more than a decade of experience and track record in service reliability when it comes to helping prospective patients get loans for plastic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements.

UMC offers Same-as-Cash (SAC) programs ranging from six to 24 months on approved credit and with provider participation.

For more information on UMC’s cosmetic surgery credit and other services, contact (888) 647-4333, send an e-mail to or visit the website,

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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.