Plastic Surgery Financing: The Credit Score You Need

Plastic Surgery Financing The Credit Score You Need

What is Plastic Surgery?

Plastic surgery is a procedure that involves the restoration, enhancement, reconstruction, or alteration of the human body. It’s a costly procedure, and depending on which plastic surgery you need, many options are available in financing for plastic surgery. Some procedures may be required to ease pain or discomfort from some type of prior surgery, which can be just as costly. Are you someone who needs plastic surgery but can’t afford to make full, upfront payment? Well, you have come to the right place. There are many ways to pay for plastic surgery procedures.

Financing Plastic Surgery with Bad Credit

There are many ways to finance plastic surgery, but it may depend on your credit score. The most popular plastic surgery procedures that can easily be financed are breast augmentation, breast lift, breast reduction, rhinoplasty,  chin/cheek/jaw reshaping, buttock lift, liposuction, and eyelid surgery. Be prepared to have at least $5,000 for any plastic surgery, and be prepared to finance about $5,000-6,000.

Tips to Improve Your Credit

Fixing your credit is not always required in order to be eligible for plastic surgery financing, but it does help boost your chances of qualifying for the best possible loans. The following tips will help you determine if you think you want/can afford to try and improve your credit:

  1. Fix Your Credit Report: Finding the best method to improve your credit reports would greatly help you improve your credit. You can do it yourself, or hire a professional. The first step would be to examine your credit reports from Experian, TransUnion, and Equifax, the three major credit bureaus. After careful review, you will be able to dispute any errors you might have, and then you will notice your credit score will improve greatly if the credit bureau removes any or all of your claimed disputes.
  1. Hire a Credit Repair Service: If you don’t trust yourself to fix your credit alone, you can hire a credit repair service provider to help you. Keep in mind they may charge a start-up fee, or other additional fees though. This method may be the fastest and most accurate way to fix your credit, but fees could add up to about $100 a month.
  1. Be More Responsible: If you have debt that has and continues to accumulate over time, it is important to get the debt paid off as soon as possible. The more you pay off credit card debts or other loans, the faster you can build and improve your credit. Keep in mind that it could take up to 6 months to see any credit score improvement, but once the credit bureaus recognize your consistency in paying off your debts, they will reward you with an improved credit score.

Does Regular Insurance Cover Plastic Surgery?

Most insurance companies do not cover cosmetically-driven surgeries, even if they are a medical necessity or requirement before or after undergoing other major procedures. Some may be willing to cover a small percentage of the costs, but only if the surgery is from a previous plastic surgery that potentially caused other damage.

Procedures Insurance Companies Might Cover:

Deviated Septum: Can possibly be covered if the structural defect in the nose makes breathing difficult.

Otoplasty: Ear surgery that can be covered only if structures in the ear cause impaired hearing, or make hearing difficult.

Moles: A skin mole might be covered only if the doctor believes it may be cancerous or precancerous, bleeding, itching, etc. Beauty marks are not covered.

Breast Reconstruction: Will only be covered by insurance if there is removal/reconstruction of faulty or damaged breast implants.

Breast Reduction: Will be covered only if the original size was causing physical pain or discomfort, and proof that attempting other non-surgical methods did not provide any pain relief may be required. This includes alternatives such as weight loss, exercise, chiropractic care, supportive bras, etc.

Blepharoplasty: Eyelid surgery, but only if it corrects vision problems caused by droopy eyelids or damaged eye muscles.

Some Providers Help Finance Their Patients

If you are interested in plastic surgery but want to get the best financial loan possible, there are many loan services that are available, whether you have bad or good credit.

Top 5 Loan Service Providers:

5. Credit Loan: This company is a lending service that offers loans to customers from as low as $250 up to as much as $5,000. They also deposit your loan directly into your bank account almost instantly. They will help you even if you do not have good credit, as well. This company is known to have acquired more than 750,000 customers dating back from the year 1998.

4. Cash USA: This company is known to grant customers loans from $500-$10,000. They will give you a loan decision in a matter of minutes and will deposit the money directly into your bank account.

3. This company is known to aid customers with loans from $500-$35,000. They make large loan decisions and are a large lender network, but the money will take 1-2 business days to be deposited into your bank account.

2. Lightstream: This company is an online lender that aids in helping customers receive personal loans that cover just about any major expense. Their famous slogan literally says, “Loans for Practically Anything”. The types of expenses they loan customers for include auto loans, kitchen and remodeling, swimming pool constructions, medical/dental, weddings, funerals, and even timeshare vacations or boat loans. While it is amazing to know that they will cover just about anything and will give out loans for their customers that are tailored specifically to what they need and can afford, they do require you to have at least a minimum credit score of 660.

1. Denefits: From patient healthcare financing and funeral expenses to education, there is a reason why Denefits is ranked as the #1 finance company to get a loan from. Not only do they help customers, but they also help businesses of various industries succeed in helping to finance their customers with guaranteed, stress-free payments. Denefits require no credit checks, and you do not need good credit to be considered for a loan. Get your money fast, and be put on the perfect patient payment plan for you by enrolling for Denefits today.

By choosing Denefits as your financial service provider you can get the plastic surgery financing no credit check you need, whether for cosmetic/personal reasons or for urgent and required reasons. Stay stress-free with their guarantee of no credit checks. Contact Denefits for a free consultation and a representative will answer any questions you have.

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