Breast augmentation continues to be one of the most popular plastic surgery procedures year after year for a number of reasons. Not only is plastic surgery becoming more and more socially acceptable, but it’s also become much more accessible. One reason for this is due to the increase in financing options and payment plans that help to make plastic surgery more affordable for the average person.
That said, while plastic surgery financing options can be hugely beneficial, there are also some drawbacks to consider before deciding if financing your breast augmentation or other procedure could make sense for you.
Benefits of Breast Augmentation Financing
There are many reasons why women choose to finance their breast augmentation.
- Affordable monthly payments. Choosing a payment plan or financing option for your breast augmentation will break up the total cost into smaller monthly payments. This often fits into a regular monthly budget, rather than
- Lowered stress before your procedure. Knowing your payment plan is in place before your procedure can take some mental stress off of you as you prepare for your upcoming breast augmentation. This also allows you to focus on recovery and healing after your procedure.
- More control over timing. While some people choose to simply save up the total amount of their procedure prior to getting plastic surgery, others opt for financing options to offer more flexibility when it comes to the timing and scheduling of their breast enhancement.
Drawbacks to Consider
Financing your breast implants can be beneficial for a number of reasons, as outlined above. However, there are a few things to watch out for and consider when choosing a plastic surgery payment plan.
- High interest rates. The biggest drawback to financing is the interest rate. High interest rates can significantly increase the total cost of your procedure. At Pacifica Plastic Surgery, we offer several 0% APR plastic surgery financing options to qualifying patients. Ask us about these options for more information and to see if you might qualify.
- Impact on credit. Some financing options, including traditional credit cards and personal loans, can impact your credit score. Ask about how your credit may or may not be affected prior to applying for financing.
- Financial commitment. Dividing your total breast augmentation cost into smaller monthly payments can help your procedure to more easily fit into your budget. However, it is important to add this monthly cost into your overall budget to ensure it will make sense for your financial plan.
Types of Plastic Surgery Financing
There are many types of plastic surgery financing that may be available to you, including medical credit cards like CareCredit and Alphaeon Credit, “buy now, pay later” financing options like Cherry payment plans and others. The best choice for you will depend on many different factors, including your credit history, the amount you wish to finance and the amount of time you are hoping to make payments.
If you are considering getting breast implants and have questions about your financing options, please give us a call at 805-484-2855 or contact us online.
Author: Dr. Daniel G. Kolder
Dr. Daniel G. Kolder is board certified by the American Board of Plastic Surgery. As a highly trained plastic surgeon serving Ventura County, he is best-known for his warm, easy manner, compassionate care, and beautiful, natural results.
