Cosmetic surgery financing: How much will you really repay for plastic surgery?

Before you compare

How much do you actually need to finance?

Start from the full written quote, including the facility, anesthesia and follow-up. Take off your deposit and any cash you’re putting in, but keep some money aside for recovery, like prescriptions, help at home and time off work. What’s left is the amount to finance.

Ask when each payment is due and how you can pay it, and get the schedule in writing with the quote.

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Before you compare

What are the ways to pay for cosmetic surgery?

Five main ways: cash or savings, a regular credit card, a personal loan, a medical credit card, or a payment plan the practice offers through a lender. They differ in who you owe, how interest works and what happens if you cancel.

Medical credit cards and practice payment plans come through the practice, which chooses the companies and offers it works with. Your rate depends on your credit and your practice, whatever range a company publishes.

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Is a lower monthly payment a better deal?

It can cost you more in the end. Stretching the same $17,400 from 24 to 60 months cuts the payment from about $868 to $470 a month but raises the total you repay from $20,828 to $28,185. Put the total next to the monthly payment every time.

These examples use fixed rates that rise with the term, from 17.9% to 20.9%, using CareCredit’s reduced-rate plans listed October 16, 2026. Standard amortization differs from its posted payment factors and whole-dollar rounding. They assume on-time payments and no fees, and they aren’t offers.

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Is 0% financing really interest-free?

Only if it’s true 0% APR. Some medical credit offers use deferred interest instead: interest builds from the day you pay and is added if any balance is left when the promotion ends. On $17,400 over 12 months, you’d need to pay $1,450.00 a month to clear it, which can be more than the minimum payment.

Offers may call it “no interest if paid in full” or “waived interest.” Some also require every scheduled payment on time, and the scheduled payment can be too small to clear the balance by the deadline, so work out the payoff payment yourself.

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What would financing a full SMAS facelift cost?

Financing $17,400 for a full SMAS facelift costs about $867.84 monthly over 24 months at 17.90% APR. That adds $3,428.13 in interest. Over 60 months at 20.90%, the payment falls to $469.75, while interest rises to $10,785.01.

Popp Cosmetic Surgery in Omaha posts its own approximate $17,400–$18,400 price for a traditional facelift, which its May 19, 2025 article defines as a SMAS lift. The practice calls its pricing all-inclusive, without itemizing the included charges. Confirm surgeon, anesthesia, facility and follow-up costs in your written quote. A neck lift is not established as included. We use the low end, $17,400. No deposit is stated, so none is subtracted. The price and CareCredit’s own terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Its minimum purchase is $1,000 for the shorter plans and $2,500 for 60 months. Approval, a sufficient credit limit and provider participation are required; this comparison does not say Popp offers these plans. Calculations assume fixed rates, no fees and on-time payments. Total repayment uses unrounded monthly payments. Actual card payment factors and whole-dollar rounding can differ, with the last payment adjusted. These are illustrations, not offers. CareCredit separately posts a 32.99% purchase APR for new accounts as of May 30, 2024; existing agreements may differ. On a deferred-interest promotion, any promotional balance left at the deadline can trigger interest from the purchase date. A 12-month payoff target here is $1,450.00 monthly before fees. Minimum payments may leave a balance. Keep money aside for time off, help, medicines and follow-up travel.

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What would financing breast augmentation cost?

Financing $7,500 for silicone breast augmentation costs about $374.07 monthly over 24 months at CareCredit’s 17.90% APR. That adds $1,477.64 in interest. At 20.90% over 60 months, the payment falls to $202.48, but interest rises to $4,648.71.

University of Utah Health in Salt Lake City posts its own $7,500 silicone breast augmentation price. Its undated page includes visits, the surgeon, hospital or surgical facility, anesthesia, implants, other surgical supplies and a post-surgical garment. Additional procedures and prescriptions are excluded. No deposit is stated, so this illustration finances the whole posted price. Your written quote may differ. Price and lender terms were checked October 16, 2026. CareCredit posts reduced APR offers of 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Approval, provider participation and your agreement determine availability. These loan-formula illustrations assume fixed rates, on-time payments and no fees. Total repayment uses the unrounded monthly calculation. Actual card payment factors and whole-dollar rounding can differ, with the final payment adjusted. CareCredit’s separate deferred-interest promotion charges interest from the purchase date if the promotional balance isn’t paid in full by the deadline. Its posted purchase APR for new accounts is 32.99%; existing accounts follow their agreement. Minimum payments may not clear the promotion. A 12-month payoff target here is $625.00 monthly, before fees, rather than a required minimum or a loan offer. Keep recovery spending outside the financed surgery price.

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What would financing a breast lift cost?

Financing $8,750 for a breast lift costs about $436.41 monthly over 24 months at CareCredit’s 17.90% APR. Interest totals $1,723.92. Over 60 months at 20.90%, the payment falls to $236.22 but interest rises to $5,423.50.

John Burns’ Dallas practice posts its own approximate $8,750 price for a breast lift only. It includes the surgeon, surgery center or facility, anesthesiologist and post-surgery bra. No deposit is stated, so none is subtracted. This is the practice’s advertised estimate, not a personal quote or an implant-lift price. CareCredit’s own FAQ, checked October 17, 2026, posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. The minimum purchase is $1,000 for 24, 36 or 48 months and $2,500 for 60. Approval and provider participation apply; these examples do not establish that Burns offers this lender or these plans. The calculations assume fixed rates, on-time payments and no fees. Actual card payment factors and whole-dollar rounding differ, with the final payment adjusted. These are loan-formula illustrations, not offers or card bills. CareCredit’s deferred-interest promotion works differently. If its full-payoff conditions fail, interest is charged from the purchase date. Its posted new-account purchase APR is 32.99%, stated as of May 30, 2024; existing accounts use their agreement. A 12-month payoff target for this balance is $729.17 monthly before fees, not the required minimum payment. Minimum payments may leave a balance. Ask the practice for your actual financed price, included care and cancellation terms before comparing offers.

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What would financing a breast reduction cost?

Financing $9,300 of breast reduction costs $463.84 monthly for 24 months at 17.90% APR. The loan formula gives $11,132.28 repaid, including $1,832.28 interest. Over 60 months at 20.90%, the payment falls to $251.07, while interest rises to $5,764.40.

Ricardo Rodriguez’s Cosmetic Surgery Center of Maryland in Lutherville-Timonium posts its own $9,300 self-pay breast reduction price on its 2026 schedule. The practice says it includes the surgeon’s fee, operating room fee and anesthesiologist fee. No deposit is stated, so none is subtracted. Get your own written quote before borrowing. If insurance may apply, ask your plan and practice for your patient balance first; ASPS says deductibles and copayments can remain. Self-pay prices and insured patient balances are different amounts. CareCredit’s own FAQ, checked October 17, 2026, lists 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, available credit and provider participation apply. This example does not establish that Rodriguez’s practice accepts these offers. Calculations use standard amortization with fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. Actual card payment factors and whole-dollar rounding can differ; the final payment adjusts. These are illustrations, not offers. CareCredit’s deferred-interest promotions work differently. Missing full payoff by the deadline can trigger interest from the purchase date. Its FAQ lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. A 12-month payoff target here is $775.00 monthly before fees, rounded upward. Minimum payments may leave a balance. Confirm the actual deadline and final balance, and keep room for recovery costs and time off work.

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What would financing a tummy tuck cost?

Financing $10,175 of a tummy tuck costs $507.49 monthly for 24 months at 17.90% APR. The loan formula gives $12,179.67 repaid, including $2,004.67 interest. At 20.90% over 60 months, the payment falls to $274.70, while total repayment rises to $16,481.75.

University of Utah Health posts its own $10,175 full tummy tuck estimate. It includes the surgeon, facility and anesthesia; prescriptions and additional procedures cost extra. No deposit is stated on the price page, so none is subtracted. Confirm your written quote and deposit rules. Prices and lender terms were checked October 16, 2026. CareCredit’s own FAQ lists 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months respectively. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, enough available credit and provider participation apply. This example does not establish that the practice offers these particular plans. These are standard amortization illustrations with fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment adjusts. Deferred-interest promotions work differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. The FAQ lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. Minimum payments may leave a balance. A 12-month payoff target is $847.92 monthly before fees, rounded upward; adjust the final payment to the actual balance. Keep room for recovery spending and time off.

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What would financing a mini tummy tuck cost?

Financing $6,050 of a mini tummy tuck costs $301.75 monthly for 24 months at 17.90% APR. The loan formula gives $7,241.97 repaid, including $1,191.97 interest. At 20.90% over 60 months, the payment falls to $163.33, while total repayment rises to $9,799.96.

University of Utah Health posts its own $6,050 mini tummy tuck estimate. It includes the surgeon, facility and anesthesia; prescriptions and additional procedures cost extra. A mini targets the lower abdomen; its price does not buy a full tuck. No deposit is stated on the price page, so none is subtracted. Confirm your written quote and deposit rules. Prices and lender terms were checked October 16, 2026. CareCredit’s own FAQ lists 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months respectively. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, enough available credit and provider participation apply. This example does not establish that the practice offers these particular plans. These are standard amortization illustrations with fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment adjusts. Deferred-interest promotions work differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. The FAQ lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. Minimum payments may leave a balance. A 12-month payoff target is $504.17 monthly before fees, rounded upward; adjust the final payment to the actual balance. Keep room for recovery spending and time off.

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What would financing a panniculectomy cost?

Financing $12,000 of a panniculectomy costs $598.51 monthly for 24 months at 17.90% APR. The loan formula gives $14,364.23 repaid, including $2,364.23 interest. At 20.90% over 60 months, the payment falls to $323.97, while total repayment rises to $19,437.94.

Neaman Plastic Surgery in Salem, Oregon posts its own $12,000–$14,000 self-pay panniculectomy range. We use its low end. It includes doctors, surgical center, anesthesiologist, pre-surgical appointments and follow-up care. This is a self-pay example, not an insured patient balance. Ask the insurer what it would cover and what you would owe before borrowing. No deposit is stated on the price page, so none is subtracted. Confirm your written quote and deposit rules. Prices and lender terms were checked October 16, 2026. CareCredit’s own FAQ lists 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months respectively. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, enough available credit and provider participation apply. This example does not establish that the practice offers these particular plans. These are standard amortization illustrations with fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment adjusts. Deferred-interest promotions work differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. The FAQ lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. Minimum payments may leave a balance. A 12-month payoff target is $1,000.00 monthly before fees, rounded upward; adjust the final payment to the actual balance. Keep room for recovery spending and time off.

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What would financing one area of liposuction cost?

Financing $8,000 of liposuction costs $399.01 monthly for 24 months at 17.90% APR in this illustration. You repay $9,576.15, including $1,576.15 in interest. Over 60 months at 20.90%, the payment falls to $215.98, but interest rises to $4,958.63.

York Yates’ Layton, Utah practice posts its own $8,000 example price for bilateral upper hips. It explicitly counts both upper hips together as one area. Its table labels these examples average prices for its own practice, not national averages. The page lists surgeon, facility and anesthesia fees. No deposit is stated on that page, so none is subtracted. Your quote can differ. Prices and lender terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Purchases must be at least $1,000 for the shorter plans and $2,500 for 60 months. Ask whether the practice offers these plans. Approval and sufficient available credit are required. These calculations use standard amortization with fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment may be lower. These are illustrations, not offers or exact card bills. CareCredit separately posts a 32.99% purchase APR for new accounts, dated May 30, 2024. Its deferred-interest promotions can charge interest from the purchase date unless the promotional balance is paid in full on time. A 12-month payoff target here is $666.67 monthly before fees. Minimum payments may leave a balance. Keep money for time off, transport, help at home and anything your surgery quote leaves out.

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What would financing a mommy makeover cost?

Mommy makeover financing of $14,000 costs $698.26 monthly for 24 months at 17.90% APR in this illustration. That adds $2,758.27 in interest. Over 60 months at 20.90%, the payment falls to $377.96, while interest rises to $8,677.60.

Beverly Hills Physicians posts its own $14,000–$25,000 price for a tummy tuck with breast augmentation. The practice says it includes the surgeon, anesthesia, accredited surgical facility and operating room fee. Its table describes abdominal repair with implants but does not separately confirm the implant charge or overnight care. Bloodwork, medical clearance, garments and medicines are billed separately. Ask for those amounts in writing. We use the low end of this practice’s own range. No deposit is stated, so none is subtracted. This is a practice advertisement, not a national average or your personal quote. Prices and lender terms were checked October 17, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, sufficient available credit and provider participation are required. Ask whether this practice offers these plans. These loan-formula illustrations assume fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars, with the final payment adjusted. These are illustrations, not offers or actual card bills. Its deferred-interest promotion works differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. CareCredit posts a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. A 12-month payoff target is $1,166.67 monthly before fees. Minimum payments may leave a balance. Keep money aside for time off, childcare, transport and any charges outside the quote.

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What would financing an arm lift cost?

Financing a $9,200 arm lift costs about $458.86 monthly for 24 months at 17.90% APR. That adds $1,812.58 in interest. Over 60 months at 20.90%, payments fall to $248.37, but interest rises to $5,702.42.

Ricardo Rodriguez’s CosmeticSurg practice in Lutherville-Timonium, Maryland, posts its own $9,200 price for a traditional full arm lift. Its 2026 page includes the surgeon’s fee, operating room, anesthesia and compression garments. The incision runs from the armpit to above the elbow. Mini and chest-extension operations have separate prices. No deposit is stated, so none is subtracted. Lender terms were checked October 18, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. These loan-formula illustrations assume fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment may adjust. Approval and provider participation apply. For a 12-month deferred-interest promotion, the payoff target is $766.67 monthly before fees. Minimum payments may leave a balance. If the promotional balance isn’t paid in full by the deadline, interest is charged from the purchase date. CareCredit lists a 32.99% new-account APR as of May 30, 2024; your agreement controls. These are illustrations, not offers. Keep recovery spending separate from the surgery balance.

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What would financing a thigh lift cost?

Financing $7,500 for an inner thigh lift costs $374.07 monthly over 24 months at 17.90% APR. Interest totals $1,477.64. The 60-month plan at 20.90% lowers payments to $202.48, but interest rises to $4,648.71.

Ricardo Rodriguez’s Baltimore-area practice posts its own $7,500–$10,500 inner thigh lift price. Its 2026 price list includes the surgeon, operating room, anesthesiologist and all postoperative office visits. We use the $7,500 low end. No deposit is stated, so none is subtracted. Your consultation quote can differ. CareCredit and Alphaeon Credit post 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months respectively, as listed October 18, 2026. Approval and practice participation apply. CareCredit requires purchases of at least $1,000 for its shorter plans and $2,500 for 60 months. These loan-formula illustrations assume fixed rates, on-time payments and no fees. Actual card payment factors and whole-dollar rounding can differ, with the final payment adjusted. Deferred-interest promotions work differently. CareCredit and Alphaeon charge interest from the purchase date if the promotional balance is not paid in full by the deadline. Both post a 32.99% purchase APR; your agreement controls. Clearing this balance in a 12-month promotion would require $625.00 monthly before fees. Minimum payments may leave a balance. These are illustrations, not offers.

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What would financing a body lift cost?

Financing a $20,000 lower body lift costs $997.52 monthly over 24 months at 17.90% APR, using the loan formula. That adds $3,940.38 in interest. Over 60 months at 20.90%, the payment falls to $539.94, but interest rises to $12,396.57.

Minneapolis Plastic Surgery posts its own $20,000–$25,000 price for a circumferential lower body lift. It says this includes the surgeon’s professional fee, anesthesia, operating room, compression garment and all postoperative care. This example uses the lower end. No deposit is stated, so none is deducted. This is the practice’s own price, rather than a national average or your personal quote. Prices and lender terms were checked October 18, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, sufficient credit and provider participation are required; ask whether this practice offers these plans. Calculations assume fixed rates, no fees and on-time payments. Totals use unrounded payments. Actual CareCredit billing uses payment factors, rounds monthly payments up to whole dollars and adjusts the final payment. These are loan-formula illustrations, not offers or card-statement predictions. CareCredit’s deferred-interest promotions can charge interest from the purchase date if the balance is not fully cleared by the deadline. Its FAQ lists 32.99% for new accounts as of May 30, 2024; your agreement controls. A 24-month payoff target here is $833.33 monthly before fees. Minimum payments may leave a balance. Budget separately for leave, transport, help, supplies and any hospital stay outside the written quote. Each later stage needs its own quote and recovery budget.

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What would financing a BBL cost?

Financing a $16,000 BBL costs $798.01 monthly over 24 months at 17.90% APR, using the loan formula. That adds $3,152.31 in interest. Over 60 months at 20.90%, the payment falls to $431.95, but interest rises to $9,917.25.

R.A.M. Plastic Surgery in Chicago posts its own $16,000 BBL package with liposuction of the abdomen, flanks and back. Those are three named groups, rather than a standard billing-area count. The practice says its package includes the surgeon, operating room, anesthesia, two garments, five 60-minute lymphatic massages, supplies and follow-up visits. Included massage does not mean everyone needs it. No deposit is stated, so none is subtracted. This is the practice’s own advertised price, rather than a national average or your personal quote. The price and lender terms were checked October 18, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, a sufficient credit limit and provider participation are required. Ask whether this practice offers those plans. The calculations assume fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. Actual CareCredit bills use posted payment factors, rounded up to whole dollars, with the last payment adjusted. These are loan-formula illustrations, not offers or predictions of a card statement. CareCredit’s deferred-interest promotions work differently. Missing full payoff by the deadline triggers interest from the purchase date at the applicable purchase APR. Its FAQ posts 32.99% for new accounts as of May 30, 2024; existing account terms can differ. A 12-month payoff target here is $1,333.34 monthly before fees. Minimum payments may leave a balance. Keep money for time off, transport, help and any aftercare outside your written quote.

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What would financing a rhinoplasty cost?

Financing $6,500 of rhinoplasty costs $324.19 monthly for 24 months at 17.90% APR, using the loan formula. That adds $1,280.62 in interest. Over 60 months at 20.90%, the payment falls to $175.48, but interest rises to $4,028.88.

Ricardo Rodriguez’s Baltimore-area practice posts its own $6,500–$9,000 price for cosmetic primary rhinoplasty. Its 2026 price list includes the surgeon, operating room, anesthesiologist and all postoperative office visits. We use the low end, $6,500. No deposit is stated, so none is subtracted. These are the practice’s own advertised prices, rather than a national average or your personal quote. Practice prices and lender terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, a sufficient credit limit and provider participation are required. Ask whether Rodriguez’s practice offers these plans. Calculations assume fixed rates, no fees and on-time payments; totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars, with the last payment adjusted. These are illustrations, not offers. CareCredit’s deferred-interest promotions work differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. Its FAQ posts a 32.99% purchase APR for new accounts as of May 30, 2024; existing account terms can differ. A 12-month payoff target here is $541.67 monthly before fees. Minimum payments may leave a balance. If you also need breathing surgery, get separate written estimates and a benefits decision before choosing what to borrow. Keep money aside for time off, transport, medicines and help at home.

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What would financing labiaplasty cost?

Financing $8,000 of labiaplasty costs $399.01 monthly for 24 months at 17.90% APR. The loan formula adds $1,576.15 in interest. Over 60 months at 20.90%, payments fall to $215.98, but interest rises to $4,958.63.

Judge MD in San Francisco posts its own $8,000–$10,000 price for labia minora reduction. Its price list includes the surgeon, operating room, facility, anesthesia, garments and appointments before and after surgery. We use the low end, $8,000. No deposit is stated, so none is subtracted. The page separately prices one-sided minora reduction and hood reduction; neither is substituted here. Confirm consultation credits and any extra charges in writing. Prices and lender terms were checked October 18, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for 24, 36 or 48 months and $2,500 for 60. Approval, available credit and provider participation are required. This example does not say Judge MD offers these plans. Calculations assume fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment may be adjusted. These are loan-formula illustrations, not offers or card bills. On a deferred-interest promotion, an unpaid promotional balance at the deadline triggers interest from the purchase date. CareCredit lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. A 12-month payoff target here is $666.67 monthly before fees. Minimum payments may leave a balance. Keep money aside for time off work and extra care.

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What would financing veneers cost?

Financing $10,200 of veneers costs $508.73 monthly for 24 months at 17.90% APR, using the loan formula. That adds $2,009.60 in interest. Over 60 months at 20.90%, the payment falls to $275.37, but interest rises to $6,322.25.

Lush Dental Studio in Sacramento posts its own current offer of $1,700 per porcelain veneer, regularly $2,200. The practice says its quote includes the design consult, temporaries, in-house fabrication and adjustments. Our example assumes 6 upper teeth: 6 × $1,700 = $10,200. This is arithmetic on its per-tooth price, not a posted package or your quote. No deposit is stated, so none is subtracted. Confirm the offer and any extra dental work in writing. Prices and lender terms were rechecked October 18, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, available credit and provider participation are required; this example does not say Lush offers these plans. Calculations assume fixed rates, no fees and on-time payments; totals use unrounded monthly payments. Actual card payment factors and whole-dollar rounding can differ, with the final payment adjusted. These are loan-formula illustrations, not offers or card bills. On a deferred-interest promotion, an unpaid promotional balance at the deadline can trigger interest from the purchase date. CareCredit lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. A 12-month payoff target is $850.00 monthly before fees. Minimum payments may leave a balance. Keep money aside for follow-up, repairs and replacement.

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What would financing a smile makeover cost?

Financing $25,000 of a smile makeover costs $1,246.89 monthly over 24 months at 17.90%, before fees.

Chicago Aesthetic Dentistry posts its own $25,000–$32,000 plan for Invisalign, full upper veneers and whitening in its June 16, 2026 guide. It describes a full upper smile as typically 8–10 veneers; your tooth count and quote can differ. The practice calls these all-in prices, including consultation through retainers or nightguards. Future maintenance is separate. We use the $25,000 low end. No deposit is stated, so none is subtracted. CareCredit’s own terms, rechecked October 18, 2026, list 17.90% over 24 months, 18.90% over 36, 19.90% over 48 and 20.90% over 60. Purchases must reach $1,000 for the shorter plans and $2,500 for 60 months. Approval and provider participation are required; we have not confirmed this practice offers these plans. These are fixed-rate loan-formula illustrations with on-time payments and no fees. Totals use unrounded monthly payments. CareCredit instead uses posted payment factors and rounds actual monthly payments up to whole dollars, adjusting the final payments. At 60 months, the illustration repays $40,495.71, including $15,495.71 in interest. A separate 12-month deferred-interest promotion needs at least $2,083.34 monthly to clear this principal, before fees. If it isn’t paid in full on time, interest is charged from the purchase date at the applicable purchase APR. CareCredit’s FAQ lists 32.99% for new accounts as of May 30, 2024; existing accounts should check their agreements. Minimum payments may leave a balance. Ask how treatment changes, cancellations and refunds affect the financed amount.

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What would financing a neck lift cost?

Financing $9,500 of a neck lift at a fixed 6.99% for 24 months costs about $425 a month and $707 in interest. A medical credit card’s four-year plan at 19.9% lowers the payment to about $289 but adds $4,352, and the typical card’s 26.99% over 36 months adds $4,460.

The $9,500 is what’s left of a $12,000 quote, the low end of the $12,000 to $13,500 one Leawood, Kan., practice posts for a neck lift, after a $2,500 deposit. Its page says all prices include the surgical fee, anesthesia fee and facility fee. The 6.99% is a payment-plan company’s “as low as” rate, and its page ties it to enrolling in recurring payments and excellent credit. 19.9% is what a medical credit card lists for 48 months, and 26.99% is the typical medical card APR in the CFPB’s report. If a deferred-interest promotion isn’t cleared in time, that card’s 32.99% rate applies back to the purchase date, and the CFPB found patients paid $1 billion in deferred interest from 2018 to 2020. These are illustrations, not offers, and a 12-month promotion needs $791.67 a month to clear.

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What would financing eyelid surgery cost?

Financing $5,000 of eyelid surgery on a medical credit card’s reduced-rate plan costs about $249 a month for 24 months at 17.90% and $985 in interest, or about $152 a month for 48 months at 19.90% and $2,291. Cherry posts rates from 0% to 35.99%, so at 0% over 24 months the payment is about $208 with no interest, and at 35.99% over 36 months it’s about $229 and $3,244 in interest.

The $5,000 is what’s left of a $5,800 quote after a $800 deposit. The quote is the price one Raleigh, N.C., practice posts for both upper lids in the operating room, and its page, checked September 30, 2026, says the price includes the pre-op visit, the surgeon’s fees, facility fees, anesthesia fees and post-op care. A quote for other lids or another setting would differ. Cherry’s page, updated June 3, 2026, posts 0% to 35.99% APR on terms of 1 to 60 months, says true 0% APR is for qualified borrowers and says a down payment is required at checkout. CareCredit and Alphaeon Credit both post reduced-rate plans of 17.90% for 24 months and 19.90% for 48 months. If a deferred-interest promotion isn’t cleared in time, their 32.99% purchase APR applies back to the purchase date. These are illustrations, not offers, and a 12-month promotion needs $416.67 a month to clear.

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What would financing a brow lift cost?

Spread over 36 months, $7,000 of a brow lift costs about $194 a month and no interest at Cherry’s 0% for qualified borrowers, about $256 a month and $2,225 in interest on a medical credit card’s 18.90% plan, and about $321 a month and $4,541 in interest at 35.99%. Taking the card plan to 60 months at 20.90% drops the payment to about $189, and the interest climbs to $4,339.

The $7,000 is what’s left of an $8,000 quote once a $1,000 deposit is paid. One Philadelphia-area practice says an endoscopic brow lift typically costs around $8,000 at the practice, and its page, checked October 12, 2026, says that covers the surgeon’s fee, the hospital fees, pre-admission testing and anesthesia. A different approach or practice would quote a different amount. Cherry lists rates from 0% to 35.99% APR over 1 to 60 months, and only qualified borrowers get true 0%. CareCredit and Alphaeon Credit each list 18.90% for 36 months and 20.90% for 60 months. Miss the deadline on a deferred-interest promotion and their 32.99% purchase APR is charged all the way back to the purchase date. These are illustrations, not offers, and a 12-month promotion needs $583.33 a month to clear.

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What would financing neck liposuction cost?

Financing $6,600 of neck liposuction costs $329.18 monthly for 24 months at 17.90% APR in this illustration. You would repay $7,900.33, including $1,300.33 in interest. Over 60 months at 20.90%, the payment falls to $178.18, but interest rises to $4,090.87.

Cosmetic Surgery Associates in Bethesda, Maryland posts its own $6,600 price for neck liposuction. Its schedule, effective January 1, 2026, calls the prices all-inclusive and lists the operating room, anesthesia, office visits and compression garments. No deposit is stated on that page, so none is subtracted. This is the practice’s own price, not a national average or your personal quote. Prices and lender terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Purchases must be at least $1,000 for the shorter plans and $2,500 for 60 months. Ask whether this practice offers these plans. Approval and enough available credit are required; the lender sets your offer. The calculations use standard amortization, fixed rates, no fees and on-time payments. Total repayment uses the unrounded monthly payment. CareCredit uses posted payment factors and rounds actual monthly payments up to whole dollars; the final payment may be lower. These illustrations are not exact card bills or offers. CareCredit separately posts a 32.99% purchase APR for new accounts. Its deferred-interest promotions can charge interest from the purchase date unless you pay the promotional balance in full on time. A 12-month payoff target for this balance is $550.00 monthly before fees. That is not the minimum payment; minimum payments may leave a balance. Budget separately for time off, help at home and any care your quote leaves out.

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What would financing breast implant revision cost?

Financing $14,800 of breast implant revision costs $738.16 monthly for 24 months at 17.90% APR in this illustration. That adds $2,915.88 in interest. Over 60 months at 20.90%, the payment falls to $399.56, but interest rises to $9,173.46.

Jeffrey Lee’s JL Plastic Surgery in Newton, Massachusetts posts its own $14,800–$19,000 price for implant exchange with capsulectomy. Its price page includes surgeon, operating room, anesthesia, implants and postoperative garments; patients may buy their own garment. We use the low end, $14,800. No deposit is stated on that page, so none is subtracted. This is the practice’s own price, not a national average or a quote for your operation. Prices and lender terms were checked October 13, 2026. CareCredit and Alphaeon Credit each post 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. CareCredit requires purchases of at least $1,000 for the shorter plans and $2,500 for 60 months. Approval, sufficient credit and practice participation are required; these examples do not establish which offers this practice accepts. The calculations use standard amortization, fixed rates, no fees and on-time payments. Total repayment uses the unrounded monthly payment. Actual card payment factors and whole-dollar rounding can differ, with final payments adjusted. These are illustrations, not offers. Both lenders separately post a 32.99% purchase APR. Their deferred-interest promotions can charge interest from the purchase date if the promotional balance is not paid in full on time. A 12-month payoff target for this balance is $1,233.33 monthly before fees. That is not the lender’s minimum payment; minimum payments may leave a balance. Keep recovery spending outside this loan comparison. Confirm any warranty assistance before reducing the amount you need to fund.

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What would financing a Nefertiti neck lift add?

Borrowing $338 for a Nefertiti neck lift adds $69.45 at 35.99% APR over 12 months. That is $33.95 monthly and $407.45 repaid. This is a small treatment bill, and many people pay it outright. Paying outright avoids loan interest. Compare that with borrowing before choosing monthly payments.

Elite Med Spa in Berwyn, Illinois posts its own $338–$468 neck-band treatment price, listing 26, 31 or 36 units. The page calls the product Botox but does not specify it further. We use the low end, $338, rather than inventing a typical dose. Other charges are not stated beyond the treatment described. No deposit is stated, so none is subtracted. This is the practice’s own price, not a national average or your quote. Prices and lender terms were checked October 16, 2026. Cherry posts 0%–35.99% APR, terms of 1–60 months and amounts of $35–$65,000. The examples use its lowest and highest posted rates; a qualifying 0% offer requires approval. Your rate and term depend on your offer, and a down payment may be required. Ask whether Elite offers Cherry. At 35.99% for 24 months, the payment falls to $19.96, but total repayment rises to $478.95, including $140.95 interest. These standard loan-formula illustrations assume fixed rates, no fees, no down payment and on-time payments. Totals use unrounded monthly payments, with actual final payments adjusted. CareCredit’s reduced-rate plans require at least $1,000 for 24–48 months and $2,500 for 60 months, so this bill alone does not meet those minimums. CareCredit separately posts deferred-interest promotions on qualifying purchases of $200 or more. CareCredit and Alphaeon both post a 32.99% purchase APR; their deferred-interest plans can charge interest from the purchase date if full payoff conditions are missed. Minimum payments may leave a balance. A 12-month payoff target for this balance is $28.17 before fees, not a promised promotional offer or the required minimum payment. Ask what another visit would cost before adding repeat treatments to your budget.

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What would financing a chin implant cost?

Financing a $4,600 chin implant costs $229.43 monthly over 24 months at CareCredit’s posted 17.90% APR. The loan formula gives $5,506.29 repaid, including $906.29 interest. Over 60 months at 20.90%, the monthly payment falls to $124.19, but total repayment rises to $7,451.21.

Ricardo Rodriguez’s Lutherville-Timonium, Maryland practice posts its own $4,600 chin implant price on its 2026 list. The list describes practice averages; your quote can differ. It says surgeon, operating room, anesthesiologist and all postoperative office visits are included. This is an implant-alone example, not bone surgery or a combined nose or neck operation. No deposit is stated on the price page, so none is subtracted. Confirm your written quote and any deposit before borrowing. CareCredit’s own FAQ and Alphaeon Credit’s own agreement post 17.90%, 18.90%, 19.90% and 20.90% APR for 24, 36, 48 and 60 months respectively. Terms were checked October 16, 2026. CareCredit requires purchases of at least $1,000 for its 24-, 36- and 48-month offers and $2,500 for 60 months. Approval and provider participation apply; this example does not establish that Rodriguez offers either specific plan. These are standard amortization illustrations assuming fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. Actual card billing uses posted payment factors, rounds payments up to whole dollars and adjusts the final payment. Deferred-interest promotions are separate. On CareCredit or Alphaeon’s deferred-interest plan, failing to pay the promotional balance in full by the deadline triggers interest from the purchase date at the applicable purchase APR; both sources post 32.99% for new accounts. Minimum payments may leave a balance. A 12-month payoff target for this amount is $383.34 monthly before fees, rounded upward; adjust the final payment to the actual balance. Keep recovery spending outside this loan illustration.

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What would financing one syringe of lip filler cost?

Financing $599 of lip filler adds $118.01 in interest over 24 months at 17.90% APR. The loan-formula payment is $29.88 monthly, and total repayment is $717.01. Over 60 months at 20.90%, interest rises to $371.28. Compare the total with paying from savings before choosing a plan.

Reviv Beauty Med Spa in Sanford, Florida, posts its own $599 price for one 1 mL syringe of Juvéderm Ultra XC. Its page says there is no consultation fee, facility fee or surprise charge. That does not establish that later filler, dissolving or outside care is included. No deposit is stated, so none is subtracted. The price and lender terms were checked October 18, 2026. Alphaeon Credit’s October 2026 agreement posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. These are loan-formula illustrations, not offers. Approval and provider participation apply; we have not established that Reviv offers Alphaeon or that this purchase qualifies. Calculations assume fixed rates, on-time payments and no fees. Totals use unrounded monthly payments; actual card billing and rounding can differ. CareCredit’s reduced-rate plans require purchases of at least $1,000 for 24–48 months or $2,500 for 60 months, so this $599 purchase does not meet those minimums. Do not add treatment to reach a credit threshold. CareCredit’s separate deferred-interest offers start at $200. On a 12-month promotion, $49.92 monthly is a payoff target before fees, not the required minimum. If any promotional balance remains at the deadline, interest is charged from the purchase date. CareCredit posts a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. Minimum payments may leave a balance. CFPB warns medical financing can cost more than existing credit. If interest and fees exceed a treatment discount, the plan costs more than it saves. Waiting and saving avoids borrowing costs, if waiting suits you.

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What would financing Botox cost?

Financing a $290 Botox Cosmetic visit adds $57.14 in interest over 24 months at Alphaeon Credit’s 17.90% APR. Total repayment is $347.14. Over 36 months at 18.90%, interest rises to $92.16. Paying the posted price without borrowing avoids those financing charges.

Alani Skin MD posts its own $290 Botox Cosmetic price for one treatment area. This is per area, not per unit or a national average. Its page says there are no consultation fees, injection fees or hidden charges. It does not state a unit cap or a deposit. No deposit is stated, so none is subtracted. Ask which area, quantity and follow-up care your written price includes. The price and lender terms were checked October 17, 2026; the practice page has no established content date. Alphaeon’s agreement posts 17.90% APR for 24 months and 18.90% for 36 months under its Low APR, Equal Payment plan. Provider participation and approval apply; ask whether this small purchase qualifies and whether this practice offers the plan. No participation by Alani is established here. CareCredit’s reduced-rate plans require at least $1,000 for 24, 36 or 48 months, so they do not fit this $290 purchase. Its deferred-interest promotion starts at $200 and works differently. On CareCredit or Alphaeon’s deferred-interest plan, failing to clear the promotional balance triggers interest from the purchase date under the agreement. Minimum payments may leave a balance. A 12-month payoff target for this balance is $24.17 monthly before fees, with the last payment adjusted for rounding. That is a target, not a statement minimum or an offer. The fixed-rate examples assume no fees and on-time payments; totals use unrounded payments. Actual card billing and whole-dollar rounding can differ. Borrowing can cost more than a discount saves. Compare the interest and fees with the discount in dollars, and keep optional future treatments separate from this debt.

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What would financing fractional CO2 laser resurfacing cost?

Financing $3,000 for fractional CO2 laser resurfacing costs about $149.63 monthly over 24 months at CareCredit’s 17.90% APR. That adds $591.06 in interest. Over 60 months at 20.90%, the payment falls to $80.99, but interest rises to $1,859.48.

Ringpfeil Advanced Dermatology posts its own $3,000 full-face price for CO2 ActiveFX and DeepFX. The price page doesn’t say which fees or aftercare it includes. Ask about anesthesia, facility charges, medicines and follow-up before borrowing. No deposit is stated, so none is subtracted. This is one practice’s price, not a national average or a personal quote. CareCredit’s own terms, checked October 18, 2026, list 17.90% for 24 months, 18.90% for 36 and 19.90% for 48 on eligible purchases of at least $1,000. Its 20.90% offer over 60 months requires at least $2,500. This $3,000 example meets those purchase minimums; approval and practice participation still need checking. These loan-formula illustrations assume fixed rates, on-time payments and no fees. Totals use unrounded monthly payments. CareCredit instead applies posted payment factors and rounds actual monthly payments up to whole dollars, with the final payment adjusted. Your agreement controls the bill. A separate deferred-interest promotion can charge interest from the purchase date if full payoff conditions fail. CareCredit posts a 32.99% new-account purchase APR as of May 30, 2024. A 12-month payoff target here is $250.00 monthly before fees. Minimum payments may leave a balance. This target is not an installment offer or an interest estimate. Keep money for aftercare, time off and any further sessions outside the loan.

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What would financing gynecomastia surgery cost?

Financing $6,000 of gynecomastia surgery costs about $219.63 monthly over 36 months at CareCredit’s 18.90% APR. That adds $1,906.78 in interest. At 20.90% over 60 months, the payment falls to $161.98, but interest rises to $3,718.97. The examples below show what you repay on each plan.

Ricardo Rodriguez’s Baltimore-area practice posts its own $7,000–$9,300 price for liposuction plus gland excision under IV sedation. Its 2026 price list includes the surgeon, anesthesia, surgery center, garments and follow-up visits. We use the low end, $7,000, less an illustrative $1,000 deposit. Another operation or quote can cost more. Lender terms were checked October 13, 2026. CareCredit and Alphaeon Credit post 17.90% for 24 months, 18.90% for 36 and 20.90% for 60. Cherry posts 0%–35.99% APR over 1–60 months; the example uses its upper rate. Cherry’s blog describes qualifying 0% plans. Its official disclosure describes a separate promotion that credits accrued interest only if principal and fees are paid by the deadline. Every payment must also arrive within 15 days. The documents don’t explain how these offers relate, so read your agreement. On CareCredit or Alphaeon’s deferred-interest promotion, missing full payoff triggers interest from the purchase date at the applicable purchase APR; both post 32.99%. A 12-month payoff target here is $500.00 monthly, before fees. Minimum payments may leave a balance. These fixed-rate calculations assume on-time payments and no fees. Actual card payments round up to whole dollars, with final payments adjusted. These are illustrations, not offers.

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What would financing a mini facelift cost?

Financing a $5,838 mini facelift costs $291.17 monthly for 24 months at 17.90% APR, using the loan formula. That adds $1,150.20 in interest. Over 60 months at 20.90%, the payment drops to $157.61, but interest rises to $3,618.56.

Center for Plastic Surgery Ann Arbor posts its own $5,838 price for an awake MACS facelift in its on-site suite. The price includes surgeon, anesthesia and operating facility fees. This is the practice’s own price for a mini lift alone, not a national average. Its other mini listing says both “Skin-Only” and “MACS” but does not explain which tissue gets lifted. We use the awake MACS price in full, with no assumed deposit. Ask for the deposit, refund rules and final written quote before applying. Practice prices and lender terms were checked October 12–13, 2026. CareCredit and Alphaeon Credit each post 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. These examples compare the posted terms. Ask whether this practice offers either card. The lender decides your approval and rate. Calculations assume fixed rates, no fees and on-time payments. Totals use unrounded monthly payments. CareCredit rounds actual monthly payments up to whole dollars, with the last payment adjusted. A deferred-interest promotion works differently. If any promotional balance remains at the deadline, interest is charged from the purchase date under the agreement. Both cards post a 32.99% purchase APR. A 12-month payoff target would be $486.50 monthly before fees; minimum payments may leave a balance. These are illustrations, not offers. Keep money aside for time off, transport, medicines and help at home.

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What would financing a deep plane facelift cost?

Financing $30,600 of a deep plane facelift costs about $1,526.20 monthly over 24 months at 17.90% APR. That adds $6,028.79 in interest. Over 60 months at 20.90%, the payment falls to $826.11, while interest rises to $18,966.74.

Adam Weinfeld’s Austin practice posts its own price of about $30,600 for a deep plane facelift with a neck lift. It includes the surgeon, surgery center and anesthesia. The page adds $600 for three hyperbaric sessions. That charge stays separate from the amount borrowed here; it still belongs in your budget. No deposit is stated on this page, so none is subtracted. These are the practice’s advertised prices, checked October 16, 2026, rather than a national average or your personal quote. CareCredit and Alphaeon Credit each post 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. CareCredit’s minimum purchase is $1,000 for the shorter plans and $2,500 for 60 months. Approval, a sufficient credit limit and provider participation are required; this example does not say the practice offers either lender. The calculations use standard amortization with fixed rates, no fees and on-time payments. Total repayment uses the unrounded payment. Actual card payment factors and whole-dollar rounding can differ, with the last payment adjusted. These are illustrations, not offers. Separately, both lenders post a 32.99% purchase APR. Their deferred-interest promotions can charge interest from the purchase date if the promotional balance is not paid in full on time. A 12-month payoff target for this balance is $2,550.00 monthly before fees; minimum payments may leave a balance. Keep money for time off, help, domestic travel and follow-up outside the loan comparison.

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What would financing facial fat transfer cost?

Financing $5,000 of facial fat transfer costs $249.38 monthly for 24 months at 17.90% APR, using the loan formula. That adds $985.10 in interest. Over 60 months at 20.90%, the payment falls to $134.99, but interest rises to $3,099.14.

Élevé Plastic & Reconstructive Surgery in Atlanta posts its own $5,000–$6,000 price for in-office full-face fat transfer, depending on the areas involved. It includes the surgeon, all office visits, operating room and anesthesia. We use the low end of the practice’s own range, rather than a national average or your personal quote. No deposit is stated on the price page, so none is subtracted. Ask for a written quote and deposit rules before applying. Prices and lender terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Minimum purchases are $1,000 for the shorter plans and $2,500 for 60 months. Approval, enough available credit and provider participation are required. This example does not establish that Élevé offers these plans. The calculations assume fixed rates, no fees and on-time payments; totals use unrounded monthly payments. CareCredit uses posted payment factors and rounds actual payments up to whole dollars, with the last payment adjusted. These are loan-formula illustrations, not offers or card bills. A deferred-interest promotion works differently. An unpaid promotional balance at the deadline can trigger interest from the purchase date. CareCredit lists a 32.99% new-account purchase APR as of May 30, 2024; existing accounts follow their agreements. A 12-month payoff target would be $416.67 monthly before fees. Minimum payments may leave a balance. Keep money aside for recovery, time off and any later treatment.

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What would financing fat-transfer breast augmentation cost?

Financing $10,000 of fat-transfer breast augmentation costs $498.76 monthly over 24 months at 17.90% APR in this illustration. That adds $1,970.19 in interest. Over 60 months at 20.90%, the payment falls to $269.97, while interest rises to $6,198.28.

John Burns’ Dallas practice posts its own price of about $10,000 for fat-only breast augmentation. It includes all liposuction, the surgeon, facility or operating room, anesthesiologist and recovery compression garments. This is the practice’s own approximate price, not a binding quote or national average. No deposit is stated on that page, so none is subtracted. Practice prices and lender terms were checked October 16, 2026. CareCredit posts 17.90% for 24 months, 18.90% for 36, 19.90% for 48 and 20.90% for 60. Its minimum purchase is $1,000 for the shorter plans and $2,500 for 60 months. Approval, sufficient credit and practice participation are required. Ask which offers the practice accepts. These calculations use standard amortization with fixed rates, no fees and on-time payments. Totals use the unrounded monthly payment. Actual card payment factors and whole-dollar rounding can differ, with the last payment adjusted. These are illustrations, not offers. CareCredit separately posts a 32.99% new-account purchase APR, dated May 30, 2024. Its deferred-interest promotions can charge interest from the purchase date if the promotional balance is not paid in full on time. A 12-month payoff target here is $833.33 monthly before fees; minimum payments may leave a balance. Keep money aside for time off, transport and help at home. Ask for a separate quote before budgeting for another grafting session.

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What would your monthly payment and total be?

Enter the amount, APR and term from a real offer to see the monthly payment, the total you’d repay and the interest. For a deferred-interest offer, the calculator shows the monthly payment that clears it in time instead, because the interest depends on your exact agreement.

It assumes a fixed rate and on-time payments, and a blank APR or an offer you’re unsure about gets no estimate. The result is laid out like the box on a loan disclosure, so you can check it against yours.

If plans change

What happens to the loan if you cancel surgery?

Canceling surgery doesn’t always cancel the loan. With some practice payment plans, the lender pays the practice up front, and the loan stays open until the practice reverses the charge. PatientFi says payments are still due until that happens, so get the deposit, cancellation and refund rules in writing before you authorize anything.

If you paid by credit card, contact the practice first, then ask your card issuer about a dispute; the CFPB says some billing-error notices must be sent within 60 days. Those card rules don’t automatically cover loans or buy-now-pay-later plans.

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Your credit and taxes

Will applying for financing hurt your credit?

Checking whether you prequalify can use a soft check that doesn’t affect your score. Accepting an offer or finishing an application can mean a hard inquiry, and missed payments can hurt your credit, so ask which kind of check happens at each step.

The CFPB also notes that once a medical bill is on a credit card or loan, the protections that limit how unpaid medical bills show up on credit reports may no longer apply.

Your credit and taxes

Can you use an HSA, FSA or insurance for plastic surgery?

Usually not, because the IRS says cosmetic surgery done only to improve appearance, face lifts included, generally isn’t a medical expense. That keeps it out of qualified HSA and FSA spending too, and HSA money used for it can mean income tax plus an extra 20% tax.

Surgery to correct a deformity from a congenital condition, an injury or a disfiguring disease can be different, and so can insurance for reconstructive work. Check with your plan and a tax professional before using tax-free money.

Before you sign

How do you compare financing offers side by side?

Enter up to three offers the same way: lender, type, amount financed, APR, term and fees, plus the promotion rules, credit check and cancellation terms. Then compare the monthly payment, total of payments and finance charge side by side, along with the cash you’ll still have for recovery.

The worksheet lays every offer out the same way, so the totals and the cash you’d have left are easy to compare. Choosing one is up to you.

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