This article is dedicated to helping people find ways to obtain financing for plastic surgery and provide a broader understanding of the subject. Because plastic surgery is a form of personal investment there is no collateral so to speak and because of this, obtaining financing for plastic surgery is nothing like the acquisition of a mortgage or a car loan. When you obtain this type of assistance it is generally considered and described as an unsecured personal loan and therefore the interest rate is a bit higher than financing for property that could be reposed if the borrower is unable to make their payment obligations.
To obtain financing for a procedure or anything else for that matter will require that you submit a credit application to a major bank or credit union. After your application is submitted, the bank will typically evaluate it by checking with the major credit bureaus regarding your current credit score and assess risk based on your previous track record and payment history.
There are three major agencies where your credit history is placed; the two biggest companies are Experian and Equifax. Your score is based on several factors including but not limited to the number and age of open accounts, late payment history and the ratio of available credit to used credit. Credit scores usually range from anywhere between 375 and 870. The banks use this to assess creditworthiness and the logically assume that the higher the score, the lower the risk of not receiving payment.
The following is a list of providers that may assist you in your effort to obtain a loan:
American Benefit Credit, Inc.
Toll-Free: 888-224-2729
Website: www.abfcredit.com
Cosmetic Fee Plan
Toll-Free: 888-440-2379
Website: www.cosmeticfeeplan.com
Cosmetic Surgery Financing
Toll-Free: 888-405-8140
Website: www.cosmeticsurgeryfinancing.com
Health One Financial
Toll-Free: 888-748-3621
Website: www.healthone-financial.com
MedChoice Financial
Toll-Free: 954-719-0890 ext. 206
Website: www.medchoicefinancial.com
Medicard Finance Inc.
Toll-Free: 888-689-9876
Website: www.medicard.com
Medicredit
Toll-Free: 800-963-6334
Website: www.medicredit.com
Med Loan Finance.com
Toll-Free: 800-504-4053
Fax: 800-555-8122
Website: www.medloanfinance.com
MedProva Patient Funding
Toll-Free: 888-444-0016
Website: www.Medprova.com
MOCA Lending Group
Toll-Free: 888-308-6622
Fax: 323-656-2160
Website: www.mocalendinggroup.com
My Medical Loan
Toll-Free: 800-788-0711
Website: www.mymedicalloan.com
Monarch Patient Finance
Toll-Free: 888-230-1600
Website: www.monarchfinance.com
PFS Patient Finance
Toll-Free: 888-737-3679
Phone: 908-754-2500
Fax: 908-754-9192
Website: www.p-f-s.com
SurgeryLoans.com
Toll-Free: 888-502-8020
Website: www.surgeryloans.com
Unicorn Patient Financing
Toll-Free: 888-388-7633
Website: www.unicornfinancial.com
This article was designed as an introduction to financing for plastic surgery and we will continue to provide content in this field as it is acquired and produced. We hope you have found this information to be helpful.
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