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How to Finance Cosmetic Surgery

In August 17, 2015

More people are getting interested in cosmetic surgery to look and feel their best. However, the price tag still stops a lot of people from getting the procedures they want or even need. Not every cosmetic surgery is for the sake of vanity. Some popular reasons include repairing damage caused by an accident, injury, or illness, such as reconstructive surgery after mastectomy for breast cancer survivors. United Credit believes there’s no bad reason to get the procedures you need, and we have information on how to finance cosmetic surgery.

How It Works

Our online application process is simple and fast. We email you immediately to verify that we’ve received your application. Our loan officers usually contact you within 30 minutes to double-check the information on your application and start the process, as well as go over the terms and conditions. We can give an answer within 24 hours, but we can usually give you an answer within a couple of hours. We want all our clients to have a great experience from day one, so we are committed to ensuring we service every client’s application quickly.


What kinds of procedures can I get financed through UC? There aren’t any limits on what you can get done. Our most popular request is for breast augmentation, followed by tummy tucks and facelifts. However, we also offer to finance other cosmetic procedures like reconstructive surgery. We invite you to ask us if you’re not sure! We have a diverse selection of cosmetic surgery financing.

What is the fastest way to reach UC? The fastest way to reach us is by email, or by using our online credit application form.

Will my credit score affect my application? Yes. We usually like to see a credit score of at least 550 for a subprime loan and 600 for a standard loan. We also like to see at least one year of stable employment history with an income of at least $2,000 gross per month.

How do I determine my credit score? You can get a credit score from any of the major credit bureaus. Depending on the rating scale a specific credit bureau uses, your score may be higher or lower.

Can I get a cosigner if my credit’s not good enough? We encourage you to try applying by yourself first if and when possible. However, if your application is rejected, or you believe your credit isn’t up to par, a cosigner may be able to help get you approved.

Does my doctor’s office need to be enrolled with UC for me to get financing? The short answer is generally no, your doctor does not need to be enrolled with us. However, certain payment plans may require your doctor to be enrolled so we can issue an ACH or wire transfer to your doctor’s checking account.

How does my doctor get paid? Depending on the type of surgery, the individual loan terms, and other factors, we may issue a check directly to you to take to any doctor you wish for the procedure. We may also send multiple checks to cover the doctor, the anesthesiologist, and the surgical center or hospital. Finally, we may directly initiate a wire transfer into your doctor’s bank account. This depends on your specific needs and whether your healthcare provider is enrolled with us, among other factors.

UC has helped thousands of people get the cosmetic procedures they want and need, and we want to help you too! We don’t believe finances should ever be a bar to getting medical care. Please contact us to find out more about how our fast, flexible, friendly application service can assist you with getting or reclaiming the look you’ve always wanted!

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