Secure Cosmetic Surgery Financing Now

Between $500 and $25,000

Plastic Surgery Financing

Cosmetic surgery can bring major positive changes to your life. It involves the correction or restoration of your face or body to enhance your appearance. Our associates at United Medical Credit can help you obtain the financing you need to get the treatment that you deserve.

United Medical Credit offers funding for a variety of procedures, including, but not limited to:

  • Body Lift
  • Face Lift
  • Scar Removal
  • Nose Surgery
  • Breast Augmentation
  • Liposuction
  • Hair Restoration
  • Tattoo Removal
  • Breast Reduction
  • Breast Surgery
  • Butt Lift
  • Fat Transfer
  • Med Spa Treatments

United Medical Credit offers loans of up to $25,000 for cosmetic surgeries with the following benefits:

  • Affordable monthly payments
  • Competitive annual percentage rate and interest
  • No prepayment penalty
  • Multiple loan term plans to choose from
  • Interest free financing options (on approved credit and provider participation)

Plastic Surgery Financing

In the past twenty years, new techniques and equipment have evolved to make various forms of cosmetic surgery more affordable, from breast augmentation to hairline revision and treatments for acne scarring. However, “more affordable” is still beyond the means of most Americans, especially if they are paying out of pocket or reliant on personal loans for their medical expenses.

At United Credit, we believe medical treatments should be available and accessible to everyone. Our flexible, affordable financing plans allow you to do what you want and need, under the care of qualified and skilled plastic surgeons such as members of the American Society for Aesthetic Plastic Surgery, without the hassle and stress of arguing with insurance companies or worrying about whether you’ll be able to pay the surgeon and facility’s fees when you leave. Here are just a few reasons to consider financing your cosmetic surgery!

  • Flexible payment plans tailored to your budget and circumstances
  • Loan amounts from $1,000 up to $25,000
  • We work with reputable healthcare providers
  • We pay the providers directly, so you don’t have to stress about the bill
  • No hassling with insurance

Everyone deserves to look and feel their best, no matter what time of life they’re in, even if their credit score isn’t necessarily the best out there. Start a  loan application today and see how fast, easy, and affordable it can be to put your best face forward!

What Are the Benefits of Plastic Surgery Financing?

With cosmetic surgery becoming more popular, it’s not uncommon to know people who’ve had plastic surgery done. Mommy makeovers, tummy tucks, cosmetic dental procedures, and more have become so mainstream that much of the stigma concerning plastic surgery has vanished.

  • Affordable monthly payments
  • Competitive interest rates
  • No penalties for prepayment on your medical loan
  • Multiple loan terms and plans to choose from for your plastic surgery financing 
  • Interest-free financing (with provider participation and on approved credit)

finance surgical

United Credit is here to help connect you with financing solutions through our network of lending partners. Our friendly associates are waiting to assist you from 8 am-6 pm PST. Let us show you why UC is becoming the most trusted name in medical financing today!

UC Offers Cosmetic Surgery Financing With Easy Monthly Payment Options

“My experience with United Medical Credit was above what I could have expected. I filled out the online application and received a phone call telling me I had been approved. Everything else was handled via email and this made everything a breeze, I would use them again for plastic surgery financing…” –Lavetta S.

UC Helps You To Manage the High Cost of Plastic Surgery

United Medical Credit  is dedicated to eliminating the financial uncertainty associated with cosmetic surgery. Here are just some of the ways we can help you get the look you’ve always dreamed of!

  • We work with a robust network of healthcare providers, medical lenders, to help you obtain medical financing which is right for you.
  • We offer fast service and quick turnaround on your application, often being able to give you an answer in seconds for your plastic surgery financing. 
  • We walk you through the lender’s policies, loan terms, and the fine print so you know exactly what you’re agreeing to and can make sure it’s the best choice for your needs.
  • We make using your own chosen physician(s) as easy as possible, facilitating their addition to our network if they aren’t already members so payment is even simpler.


To learn more about how United Credit can help you take control of your medical choices, click here to contact us!

Will My Plastic Surgery Financing Cover My Procedure?

Unlike a conventional insurance policy, which has a large number of limitations and restrictions on what, and under what circumstances, the carrier will and won’t cover, your cosmetic surgery financing through United Credit allows you to use the money for just about any procedure you and your healthcare provider believe needs to be done, placing your surgery’s final decision in your hands. Here are just a few of the plastic surgery procedures UC loans can be used for!

  • Breast augmentation/reduction
  • Hair restoration
  • Tummy tuck
  • Facelift
  • Gender reassignment procedures

Doesn’t My Insurance Cover Plastic Surgery?

There is an old truism that “Insurance companies don’t stay in business by writing checks.” Insurance companies are designed to limit and spread around risk among the pool of customers, thereby limiting the financial damage both to clients and the company when they do have to payout. Because of this, insurance underwriters and actuaries look for every way they can find, both fair and foul, to restrict their payouts to “medically necessary” procedures—and even in these cases, getting the insurance company to pay can be a nightmare, so “elective” procedures such as many cosmetic surgery treatments most likely won’t be covered.

Does United Credit Only Offer Plastic Surgery Financing?

While cosmetic surgery is one of our more popular fields, it isn’t the only financing we offer. We’re pleased to have access to an array of lenders with available loans to help offset insurance gaps or expedite treatment for many other types of medical care, including but not limited to:

  • Bariatric procedures
  • Fertility and reproductive treatments
  • Vision care
  • Hearing aid fitting and other associated care

We’re committed to connecting you with the right lending solution, whether you need plastic surgery or more conventional treatment. Our range of lenders mean we have the right partner and financing option for you. We’re here to help with straight talk, open, transparent terms, and associates who are passionate about giving you access to the best loans for your needs. 

Frequently Ask Questions About Plastic Surgery Financing

What will my surgery cost?

Cosmetic and plastic surgery costs vary widely depending on the type and extent of the procedure, the billing practices of the surgeon in question, how much and what intensity of postoperative aftercare you need, and more. Some points to consider before you go to pay for your surgery include:

  • How much does your provider estimate the surgery and associated costs will run? Most providers are asked this question several times a day concerning various procedures, which means they should be able to give you a fairly accurate idea of how much you should plan to pay.
  • Can you have another provider perform the procedure and still get the results you want?
  • Is it possible to have a less expensive alternate procedure that can achieve the same outcomes?
  • Does your provider offer in-house surgery financing? 
  • What other outstanding secured and unsecured debt do you have, such as credit cards, student loans, back taxes, mortgage payments, or car loan notes?

When you have the answers to these questions, you’ll have a financial picture that can help give you an idea of your next steps. 

Question: Can I use United Credit for plastic surgery financing?

A: Yes! Every UMC loan is tailored to your financial needs, but the procedure you want and, within the limits of your loan amount, how you use the money is entirely up to you. We have a great network of skilled cosmetic surgeons, or if your doctor of choice isn’t in our network, we’ll help them enroll to make getting your procedure from a medical professional you trust simple. Just fill out a UMC credit application and see the difference for yourself! It could be a facelift or bariatric procedure, United Medical Credit is there to provide you the financing!

Whether you need a cosmetic procedure such as a facelift or aftercare from a bariatric procedure by a qualified cosmetic surgeon, United Medical Credit is there to provide you the financing you need to get the look you want! Some of the procedures we finance for surgical centers and providers include:

  • breast reduction
  • tattoo removal
  • eyelid surgery
  • mommy makeover
  • reconstructive surgery

Question: Do Plastic Surgeons offer payment plans?

Answer: Many plastic surgeons offer plastic surgery financing, some in-house, some through loan brokerages. Before you agree to a procedure or payment plan, you should always get a second opinion on your procedure and evaluate the fine print of the terms carefully so you know what you’re getting into and can make sure the procedure and plan you ultimately go with is the right one for you. United Medical Credit offers and can help you skip the frustration of sorting through payment plans and find you a plastic surgery financing plan which works with your budget and life!


Question: My credit’s bad. Can I still get plastic surgery financing?

Answer: Most lenders base their credit decisions, at least in part, on your credit report, which may be obtained from any of the three major credit reporting bureaus: Equifax, Experian, and TransUnion. Each reporting bureau has its own criteria and3 your score may vary between the three. However, United Credit has successfully assisted people with even poor credit to get the medical care they need, including cosmetic surgery. The only way to know for sure is to fill out a UMC loan application and see if you qualify through one of our lending partners!

Question: What is the best financing for plastic surgery?

Answer: Honestly, the “best” financing is subject to change and it depends on your needs, your credit, and your financial goals. Things like monthly payments, loan terms and conditions, APR, and other considerations all work together to make your “perfect” loan unique to your situation. The United Medical Team is dedicated to getting you the loan that best meets your needs, which may not look anything like someone else’s, even if on paper the two cases are identical.

With our industry-leading network of medical lending professionals, you can access cosmetic surgery, weight loss procedures, vision care, and even hearing aid service and care. Our available term loans never require an origination fee, and we make sure the information provided accurately reflects the nature and terms of your loan in easy-to-understand language. Before you look into business loans, a balance transfer from the business cards you use to purchase office supplies or finance company travel or other methods of financing which might actually cost you more in the long run, try United Medical Credit’s fast, easy loan application! 

Question: What credit score do you need to finance plastic surgery?

Answer: At UC, we recommend checking Credit Karma and requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a loan. Your credit score depends upon several factors, such as your current income, history with making timely payments for student loans and cash advance lenders, whether you’re currently enrolled in debt forgiveness programs, the ratio of “good debt” to “bad debt,” how long you’ve had a credit history and your bank account history. If you find incorrect adverse information in your credit history, you have the right to appeal it and request your score be corrected. This can help you improve your credit score quickly, rehabbing your bad credit to average or even good. However, just because your credit history is less than ideal doesn’t mean you can’t get a loan. UMC’s lender network has successfully approved over 90% of applicants, including those who couldn’t get a loan elsewhere under any terms. Also, when you apply with United Medical Credit, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score, just like the ones you do for yourself. Individual lenders may run a hard credit check, which will impact your score, which is why it’s very important to know what your credit report contains.

Question: How much more does it cost to finance plastic surgery rather than paying outright?

Answer: Determining how much plastic surgery financing will cost you overall includes the questions posed above plus two more:

  • How long is the term on the loan?
  • How much interest will you be paying?

If your loan APR is 10% and you make all your payments on time, you’ll be paying the loan amount plus 10% interest. So for a $30,000 note, you’d be paying $33,000 over the loan’s lifetime or $6,600 per year. While that may seem like a lot of money, it’s far more manageable to do it that way than to save $30,000 for one lump-sum payment, especially as life has an unfortunate tendency to happen. Since UMC’s lender network never charges prepayment fees, if you find yourself ahead on your finances, it may be worth your while to pay a little more when you can, as this will help to shave down the interest and get the loan paid off faster. UMC offers a number of tips and tricks to help you get the surgery financing you need and keep your Transunion, Experian, and Equifax credit rating strong, or recover the good credit you deserve after bad things have happened to your financial outlook!

The new you is only a few clicks away. Start your plastic surgery financing application today!