Financing Options for Cosmetic Surgery

28 October 2016 / By shumway
Cosmetic Surgery Financing in La Jolla and San Diego

Cosmetic Surgery Financing in La Jolla and San DiegoAs celebrities like Iggy Azalea, Kylie Jenner, and Blake Lively come forward with details about their perky breasts, plump lips, and perfect nose, the general public learns what cosmetic surgeons already know: cosmetic surgery is on the rise.  A quick look at data from last year says it all: In 2015, 1.4 million women underwent cosmetic surgery, and another 12.5 million women had minimally invasive procedures, according to the American Society of Plastic Surgeons.

While cosmetic surgery used to be accessible only to the rich and famous, new financing options have made facelifts, tummy tucks, and breast augmentations a reality for normal, everyday women who want to boost their confidence and feel good about themselves. As you begin to think about how you’ll pay for your cosmetic procedure, consider the following financing options available at Shumway Cosmetic Surgery:

Prosper Healthcare Lending

As of 2015, Prosper Healthcare Lending has helped more than 300,000 patients fund $5 billion in cosmetic surgery. With such an impressive track record, this is definitely a name you can trust. With a loan from Prosper Healthcare Lending, you’ll receive numerous benefits, including an immediate decision for loans up to $35,000, terms up to 60 months, no collateral required, no prepayment penalties, and no retroactive interest.

Things to know before you apply:

  • Loan inquiry process will not affect credit
  • Interest rates typically range from 7% – 20% APR
  • Surgery must be completed within 30 days of funding
  • Income verification required
  • $2,000 minimum loan amount

United Medical Credit

United Medical Credit offers patient loans of up to $25,000 for cosmetic surgeries including, but not limited to, facelift, breast augmentation, tummy tuck and liposuction. Benefits of choosing a loan with United Medical Credit include affordable monthly payments, no prepayment penalties, multiple term plans to choose from, and interest-free financing options for those who qualify.

Things to know before you apply:

  • 60 month loan terms with competitive interest rates
  • With 6- and 24-month “Same as Cash” (SAC) offers, no interest charged if loan is paid off within 6 to 12 months
  • Financing available for those with sub-prime credit.
  • Co-signer option available
  • Income verification of at least $2,000 gross per month required

Point Loma Credit Union

Patients with a higher credit rating may qualify for financing through Point Loma Credit Union. PLCU offers a “Sharper Image Loan” specifically designed to make cosmetic surgery more affordable. The maximum amount awarded is $25,000, or three times the primary applicant’s gross monthly income, whichever is less. Lighthouse Relationship Plan discounts are also available.

Things to know before you apply:

  • Interest rates as low as 8.49% APR
  • Loan terms up to 60 months
  • No payment for 30 days after funding
  • Fixed interest rates ensure your payments never increase
  • Applicant must live, work or pray in San Diego or Riverside County


As opposed to a loan, CareCredit is a healthcare credit card that can be used to finance the cosmetic procedures you’ve always dreamed of having. You can use CareCredit anywhere it is accepted for all types of cosmetic, elective, and dermatological treatments. CareCredit can be used again and again to manage your health, wellness, beauty, and even veterinary costs not covered by insurance.

Things to know before you apply:

  • CareCredit is a revolving credit card
  • For new accounts, the regular interest rate is 26.99% APR
  • No interest charged if qualifying purchases over $200 are paid in full within promotional period
  • Purchases of $1,000+ and $2,500+ eligible for a reduced APR

Have more questions about financing options for cosmetic surgery?

At Shumway Cosmetic Surgery, we know how daunting it can be to figure out how you’ll pay for your procedure. To alleviate some of this stress, Dr. Shumway consults with each patient about her unique requirements and desires before scheduling surgery.

After listening to your concerns, Dr. Shumway will discuss the financial aspect of your chosen procedure and help you weigh your payment options. Our goal is for you to feel confident and excited about your choice to have cosmetic surgery – not stressed about how you’ll cover the costs.

Give us a call today to schedule your personal consultation!

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