Key takeaways
- Choose the surgeon first, then the financing.
- Include anesthesia, facility fees, and aftercare in the amount.
- No-credit-check plans cover up to $5,000; a down payment covers larger quotes.
Typical cosmetic costs
| Procedure | Typical cost |
|---|---|
| Botox / filler package | $600 – $2,500 |
| Laser hair removal package | $1,000 – $3,000 |
| Body contouring | $2,000 – $4,500 |
| Eyelid surgery | $3,000 – $6,000 |
| Liposuction (one area) | $3,500 – $7,000 |
Plastic surgery financing with bad credit: your options
Medical credit cards and personal loans usually require good credit. Denefits doesn’t check credit and approves 95% of applicants, with a standard rate of 19.90% and 0% options. See cosmetic financing.
| Procedure | No-Fee (0%) | EZ Deferred | Standard (19.90%) |
|---|---|---|---|
| Injectables package · $1,500 · 12 mo | $125/mo | $125 → $134/mo | $139/mo |
| Body contouring · $3,500 · 24 mo | $146/mo | $146 → $170/mo | $178/mo |
| Surgery (financed portion) · $5,000 · 36 mo | $139/mo | $139 → $176/mo | $186/mo |
Before you sign
- Confirm your surgeon is board-certified.
- Get an all-in quote, including follow-up visits.
- Plan your budget for recovery time off work.
- Pick a term that keeps payments comfortable.
What an all-in quote should include
- Surgeon’s fee
- Anesthesia fee
- Facility or operating room fee
- Pre-op tests and post-op garments
- Follow-up visits and any revision policy
Budget for recovery
Many procedures require days or weeks away from work. Plan your monthly payment around any reduced income during recovery, and choose a longer term if needed. There’s no prepayment penalty if you want to pay it off faster later.
Med spa treatments
Non-surgical treatments such as injectables, laser hair removal, and body contouring are often sold as packages. Financing a package instead of paying per session can lower the total cost. See cosmetic and med spa financing.
Your next step
Check what your monthly payment would be with the Denefits loan calculator, then apply in about three minutes. There’s no credit check, plans run from $200 to $5,000, and 95% of applicants are approved.
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.