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Ever heard of payment plans for plastic surgery, or wondered how to pay for plastic surgery with bad credit? Read on. 

The largest number of total cosmetic procedures (4.7 Million) were performed in the US as per the recent figures.

The purpose of these surgeries extends beyond achieving a specific appearance - it's a way for individuals to feel more comfortable in their skin. Moreover, being satisfied with how you look is known to have a positive impact on your emotional and mental well-being.

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So, it comes as no surprise the demand for such surgeries is increasing by the day. The only impediment is managing the cost. And this is where plastic surgery payment plans offer an excellent option for many. 

In this blog, we'll majorly discuss cosmetic surgery payment plans or plastic surgery payment plans, and how they help even those who do not qualify for traditional financing due to bad credit. Let's get right to it.

Now, since cosmetic surgeries are more common among women, it's important to note that a 2019 survey reported that 64% of the women in the US were worried about paying for cosmetic procedures, making it the number one concern when it comes to actually getting one.

That said, how do people afford plastic surgery? Enter - payment plans for plastic surgery or cosmetic surgery payment plans. So, what are they? What are common plastic surgeries these payment plans cover? And where does Denefits fit into this picture? Let's take a closer look. 

What Are Plastic Surgery Payment Plans?

Typically, plastic surgery payment plans are flexible arrangements offered by surgeons to patients who do not qualify for traditional financing options and cannot otherwise afford them. These payment plans allow patients to pay for plastic surgery in manageable monthly installments instead of having to pay a hefty lump sum amount upfront. Moreover, payment plans for cosmetic surgery make it easier for patients to access such services, irrespective of their credit score or financial background. 

Additionally, surgeons are also able to assure their patients of a fast approval process and a high approval rate, contingent on the requirements of the facilitator of the plastic surgery payment plans. For instance, Denefits has a No Credit Check Policy and a 95% approval rate, providing reassurance to those concerned about credit issues. These cosmetic surgery payment plans are available for varied surgeries, for instance, payment plans for tummy tuck or nose job payment plans.

Now, before we proceed to discover payment plans for various cosmetic surgeries, let's quickly go over the most common cosmetic surgeries performed in the US year after year.

Common Cosmetic Surgeries and How Much They Cost on Average

SurgeryCost RangeDescription
Botox $385Non-surgical injectable treatment to diminish facial wrinkles and fine lines.
Eyelid Surgery$3,022Surgical procedure addressing sagging or purifying eyelids enhancing overall eye appearances.
Cheek Implants$2,823Surgical enhancement of cheekbones using implants for a defined and lifted facial contour. 
Facelift$7,048Comprehensive surgical intervention to reduce visible signs of aging by tightening facial skin.
Forehead/Brow Lift$3,403Surgical elevation of the forehead and eyebrows, providing a rejuvenated and lifted look.
Chin Augmentation$2,225Surgical enhancement of the chin’s shape and projection through the use of implants. 
Lip Augmentation$1,272Augmentation of lip volume through various surgical or non-surgical techniques for fuller lips. 
Nose Surgery (Rhinoplasty)$5,046Surgical reshaping and refinement of the nose for improved aesthetics and harmony. 
Breast Augmentation$3,824Surgical procedure to enhance breast size, shape, and symmetry using implants or fat transfer. 
Abdominoplasty $3,000 - $8,500Surgical removal of excess skin and fat from the abdomen, resulting in a flatter, toned appearance.

Let's go over cosmetic surgeries covered by plastic surgery payment plans.

Payment Plan for Tummy Tuck

One of the most common surgeries for which patients seek cosmetic surgery payment plans is tummy tucks. Now, it's no news that abdominoplasties, or tummy tucks as we know them, rank among the most popular surgeries performed in America. In fact, nearly 162,000 tummy tucks were performed in the US in 2022 alone, according to background information from the American Society of Plastic Surgeons. And realizing this demand, more and more surgeons across the US now offer plastic surgery payment plans for tummy tucks. Notably, such payment plans are especially great for patients looking for a tummy tuck payment plan despite bad credit.

Payment Plan for Breast Augmentation

Based on the data collected, 8.08 per 1,000 women in the United States reported ever having had some type of breast implant. And approximately 60% of the procedures had been done for cosmetic reasons. With that in mind, it should come as no surprise that payment plans for breast implants are offered by many surgeons. So, be sure to inquire about a flexible payment plan for breast augmentation with your surgeon, and you might just be in luck. And for those in search of the answer to "how to pay for plastic surgery with bad credit?", consult if your surgeon offers cosmetic surgery payment plans through Denefits, as they have a No Credit Check Policy.

Rhinoplasty Payment Plan

According to the American Society of Plastic Surgeons, rhinoplasties are the most common facial plastic surgery procedure, with nearly 220,000 performed yearly. After all, who doesn't want the perfect nose? That said, even surgeons are all for allowing individuals to feel self-assured, which is why many now offer nose job payment plans or rhinoplasty payment plans through Denefits. These nose job payment plans make the procedure more accessible for individuals, eliminating the need for a hefty upfront payment, which can be overbearing for many, especially since it is not covered by insurance.

Liposuction Payment Plan

The APSS, representing 92% of all board-certified plastic surgeons in the United States, reported that out of the 1.5 million cosmetic surgical procedures performed in 2022, about 325,00. This is primarily due to the increasing willingness to conform to beauty standards and achieve the ideal body image. This, in turn, allows individuals to be more confident in themselves, so, why not? However, costs associated with the procedure remain a common concern. Mindful of this, many surgeons now offer liposuction payment plans, making it an affordable procedure. They're able to do so through Denefits' liposuction payment plan no credit check required.

Mommy Makeover Payment Plan

Another emerging trend surgeons have noticed is that of 'Mommy Makeovers', which comprise two or more procedures done simultaneously, including a few or all of the following: 

  • Breast Augmentation 
  • Breast Lift
  • Buttock Augmentation
  • Tummy Tuck 
  • Liposuction 
  • Vaginal Rejuvenation

Now, payment plans for mommy makeovers are of varied types, majorly depending on the types and number of surgeries involved. Additionally, you can choose to pay for individual surgeries using different payment plans or opt for a single payment plan for multiple cosmetic surgeries. It is contingent on what your surgeon offers and your personal choice.

Do Plastic Surgeons Offer Payment Plans?

Yes. The highest number of plastic surgeons, around 7,000, are found in the United States, as per the most recent statistics. And given the stringent competition, offering cosmetic surgery payment plans is a considerable way for a surgeon to stand out. This has led to the nationwide adoption of such plastic surgery payment plans by surgeons. Moreover, there are many positives to offering patients payment plans for cosmetic surgery. These include the following: 

  • Promotes accessibility and inclusivity
  • Attracts a wider clientele 
  • Inspires patient confidence 
  • Provides a competitive advantage
  • Increases conversion rates
  • Fosters loyalty

Does Medical Insurance Cover Plastic Surgery Procedures?

Well, it's relative. Elective or cosmetic surgery procedures are typically not covered by medical insurance because they are not exactly medically necessary. However, there are scenarios where it may be deemed medically necessary and eligible for medical coverage. 

A few cases may be: 

➡️If it's necessary for reconstruction after a traumatic surgery, cancer surgery or a congenital anomaly.

➡️If it's needed to improve the function of a body part.

➡️If it's required to treat medical conditions. 

Contact your insurance provider directly to understand your policy and eligibility.

Ways to Pay for Plastic Surgery: Weighing the Options

CriteriaInsuranceMedical Credit CardPayment Plans
Approval ProcessOften requires pre-authorization.Quick approval process.Fast approval process and high approval rates. 
CoverageLimited, usually for medically necessary procedures.Limited, specific to healthcare expenses.Flexible, cover most procedures, even elective.
Interest RatesStandard health insurance rates.Viable, may be higher if not paid timely.Varies, may have 0% interest options.
Upfront CostsCo-pays, deductibles, and coinsurance.Varies, often requires a down payment.Usually requires a down payment.
FlexibilityLimited to covered procedures.Can be used for various healthcare expenses.Flexible, tailored to individual financial situations. 
Repayment TimeCovered by insurance if approved.Monthly payments with interest.Flexible, can be negotiated based on financial capacity.
Application ProcessComplex, requires documentation.Simple online or in-person application.Simplified, often an easier and faster process.
Credit CheckMay require a credit check.Typically requires a credit check.May not require a credit check.
Impact on Credit ScoreNo impact on credit score if improved.Can impact credit score if not managed responsibly.May impact credit score, depending on terms.
AccessibilityLimited to certain procedures.Widely accepted by healthcare providers.Depends on the provider’s willingness to offer plans.

Deciding on Plastic Surgery Payment Options: Factors to Consider

Now that you know how to pay for plastic surgery using cosmetic surgery payment plans, there are a few factors to keep in mind while choosing the right one. For instance, if you're looking for a 'bbl payment plan no credit check', consider the following aspects: 

  • Interest Rates and Fees
  • Flexible Repayment Terms
  • Credit Score Requirements 
  • Down Payment Expectations
  • Pre-Approved Process
  • Late Payment Penalties

This will help you make an informed decision. 

How Payment Plans Work: A Quick Walkthrough

If you're wondering 'how payment plans work to get my plastic surgery done', here's how it typically goes: 

  • First things first, have a consultation. Discuss the procedure with your surgeon and get an estimated cost.
  • Next, inquire about payment plans, discuss interest rates, and choose a suitable plan.
  • Once you decide on a cosmetic surgery payment plan, complete the application process, provide documentation, and await approval.
  • Upon approval, set up the plan, choose the tenure and terms, and accept.
  • When this is achieved, confirm full payment and schedule the surgery date.

Why Denefits: Best Plastic Surgery Payment Plans of 2024

Choosing the right plastic surgery payment plan with favorable terms is crucial, especially since you'll be responsible for repayment. All things considered, Denefits stands out as an ideal option. One major reason is that it bridges the gaps left by conventional financing. For instance, with its NO Credit Check Policy, Denefits makes plastic surgery procedures accessible to even those with bad credit. 

Additionally, some of its standout features are: 

  • 95% Approval Rate 
  • Fast Approval Process
  • Flexible Payment Plans
  • Multilingual Support

That said, make sure to seek out surgeons who provide cosmetic surgery payment plans through Denefits for favorable terms. 


The demand for cosmetic surgeries is ever-rising, but cost remains a concern. And as a result, surgeons nationwide are adopting plastic surgery payment plans and offering them to patients as a way to pay for their surgery in manageable monthly installments. With a fast approval process, no credit checks, and a high approval rate, these cosmetic surgery payment plans bridge the gaps in traditional financing options. However, it's imperative to choose the right payment plan for cosmetic surgery, and Denefits stands out as a favorable choice for many. 

Frequently Asked Questions

1. How Can I Afford Plastic Surgery Fast?

If you're wondering how to pay for plastic surgery fast, consider exploring plastic surgery payment plans. Therefore, while searching for a surgeon, keep an eye out for those who offer cosmetic surgery payment plans.

2. What Is the Best Way to Finance Plastic Surgery?

Well, that depends. A few options to consider are medical credit cards, personal loans, and flexible payment plans offered by surgeons. Before deciding, it's crucial to carefully assess these alternatives in light of your circumstances and financial standing.

3. What Credit Score Is Needed for Cosmetic Surgery Financing?

It's contingent. The required credit score can vary among lenders and based on the financing option you choose. For instance, some lenders have a minimum credit score requirement of 620 or higher. On the other hand, if you opt for a cosmetic surgery payment plan through Denefits, you don't need a minimum credit score as they adhere to a No Credit Check Policy.

4.Can You Put Plastic Surgery on a Credit Card?

Yes, you can use a credit card to pay for plastic surgery. However, it's best to make your decision after careful consideration. So, explore all the available options, such as cosmetic surgery payment plans through Denefits, before resorting to the use of a credit card.

5.Can You Get A Loan For Plastic Surgery?

Yes, surprisingly enough, personal loans from banks or online lenders are among the common ways to finance plastic surgery.

6.Do Banks Give Loans For Plastic Surgery?

Yes, selective banks do offer personal loans for medical purposes, and these can include plastic surgery.

7.What Kind Of Loan Should I Get For Plastic Surgery?

If you're wondering whether a loan is an answer to 'how to pay for plastic surgery', it's wise to weigh all your options and consider your circumstances before making a decision. That said, the two more common choices are usually personal loans and medical financing. 

8.How Hard Is It To Get Plastic Surgery Financing?

It depends on various factors, including your credit history, income, the financing options you choose, and the specific lender's requirements.