What you can finance
Cosmetic and aesthetic treatments are rarely covered by insurance. Commonly financed services include:
| Service | Typical cost | Fits Denefits range? |
|---|---|---|
| Laser hair removal package | $1,000 – $3,000 | Yes |
| Botox / filler package | $600 – $2,500 | Yes |
| CoolSculpting / body contouring | $2,000 – $4,500 | Yes |
| Laser skin resurfacing | $1,500 – $3,500 | Yes |
| Eyelid surgery | $3,000 – $6,000 | With down payment |
| Liposuction (one area) | $3,500 – $7,000 | With down payment |
Typical U.S. price ranges; your provider’s quote may differ. Plans cover $200 to $5,000; a down payment can cover any amount above that.
How cosmetic & med spa financing with Denefits works
- Get your quote from your provider and decide how much to finance.
- Apply online in about 3 minutes with no credit check.
- Get a decision in minutes; 95% of applicants are approved.
- Start your service once your plan is active, often the same day.
- Pay monthly by automatic ACH, with no prepayment penalty.
Example monthly payments
Estimates exclude the 3.00% per-payment transaction fee. Run your own numbers with the loan calculator.
| Example | No-Fee (0%) | EZ Deferred | Standard (19.90%) |
|---|---|---|---|
| Laser package · $2,000 · 12 mo | $167/mo | $167 → $179/mo | $185/mo |
| Body contouring · $3,500 · 24 mo | $146/mo | $146 → $170/mo | $178/mo |
| Cosmetic procedure · $5,000 · 36 mo | $139/mo | $139 → $176/mo | $186/mo |
Why choose Denefits for cosmetic & med spa financing
Lower than card rates
Standard 19.90% vs 26.99%+ on many medical credit cards.
Custom In-House terms
Many practices set down payment and term around your treatment plan.
Private and simple
No credit inquiry and a 3-minute online application.
Tips before you finance
- Choose a board-certified provider and confirm the full quote, including follow-ups.
- Package pricing is often cheaper than paying per session.
- Ask whether the practice offers the In-House Plan with custom terms.
- Budget for aftercare and touch-ups before choosing a term.
Compare your options: see Denefits vs CareCredit, Denefits vs Cherry, and every rate and fee.
Jonathan has 14+ years in consumer finance, including seven years structuring healthcare payment solutions. He holds the CERTIFIED FINANCIAL PLANNER™ certification and reviews every rate, term, and disclosure we publish.