So you plan to have an aesthetic surgery over, but your insurance will not cover it and you do not have the money to pay for it. Believe it or not, there is a way to finance this abdominol or eye elevator.
What to consider:
Aesthetic surgery is expensive. The procedures cost between $ 500 and $ 25,000 depending on the type of procedure performed. Financing your surgery will only have to add to this cost due to interest rates.
As with any type of financing, your interest rate will vary depending on your credit history, the duration of the selected loan and the loan amount. The available loan conditions may include 12, 24, 36 and 48 months or a rotating credit line based on your credit creation. Keep in mind: if it sounds too good to be true, it’s probably. Be skeptical to funding companies offering 1% rates because there is usually a hidden cost behind these offers.
Do not forget that you may need to propose a deposit to finance your surgery. Current requirements are determined on the basis of your credit history and your health care provider requirements, as appropriate. If you have an average or above average credit, you can not have to put money.
As with any type of funding, whether it’s a car, a house or even aesthetic surgery, you must take into account what your current financial situation looks like and determine whether or not you can a regular monthly payment for the following 24, 36 , 48 or 60 months.
If you have not already done so, determine your monthly income subtracts with your invoices, do not forget to include various items such as groceries, toiletries, gas, household products, pet foods, etc. After creating a monthly budget, you can now determine whether or not you can offer you another monthly payment of $ 100 in $ 200.
Before you start taking advantage of the financing perspective of your new look, it is important to understand why you want to have this type of procedure. Make sure your expectations are realistic and you do it because you believe there are no other options. Consider both the advantages and disadvantages of cosmetic surgery and weigh your other options.
A good rule of funding for cosmetic surgery is to finance only key surgical procedures. If you are considering Botox, for example, prices are quite reasonable, but if you finish with the injection (s), it will cost you more than it worth.
You should also keep in mind that most types of cosmetic surgery must be kept regularly and the fight against the aging process is completely useless.
Although a cosmetic financing company can send you back to a surgeon, it is better to find one before contacting a financing company. Dr. Steve Fallek, Cosmetic and Reconstructive Plastic Surgeon in New York and Englewood, NJ suggests that a financing company will not be able to give you the best plastic surgeon.
You want to go to a cosmetic surgeon certified by the board who is famous, honest and who, hopefully, you have received the name of someone who has had a plastic surgery of this person. Fallek says that patients should ask their surgeons to recommend a financing company.
Before choosing a funding business, make sure they are famous. They should have a good trace in financing health care procedures and work with a network of doctors.
If you have found a surgeon to do your procedure, you can also ask if he / she has funding available. The terms of funding must be clearly defined in writing before seeking funding and you should never pay broker fees.
Most surgeons use the same financing companies, so do not waste your time looking for surgeons who can have lower rates. See various surgeons occupy time and money.
You may also want to consider using your credit card if the interest rate is lower.