Financing Your Plastic Surgery: Payment Plans and Options in Austin

Investing in plastic surgery is a significant decision, and for many patients, financing options make it easier to achieve their aesthetic goals without the burden of upfront costs. At Levesque Plastic Surgery , we offer several flexible financing solutions  to help you turn your dream procedure into a reality. Whether you're considering breast augmentation , a tummy tuck , or facial rejuvenation, we partner with l eading healthcare financing providers to make your journey stress-free.

Why Finance Your Plastic Surgery?

Plastic surgery is a personal investment in your confidence and well-being. While some procedures may be covered by health insurance under specific medical conditions, most elective cosmetic surgeries are out-of-pocket expenses. Financing allows you to: 

• Spread out payments into manageable monthly installments. 
• Get your procedure sooner without having to save for years. 
• Choose a plan that fits your budget with low or zero-interest options. 
• Avoid dipping into savings or high-interest credit cards.

Credit Cards vs. Personal Loans for Plastic Surgery

When financing your procedure, you may consider using a credit card or a personal loan/line of credit. Here's how they compare: 

• Credit Cards: Often offer promotional 0% interest rates, but may have high-interest rates if not paid off within the promo period. 
• Personal Loans/Lines of Credit: Typically have fixed interest rates and monthly payments, making it easier to budget over time. 
• Healthcare Financing Plans: Tailored specifically for medical expenses, often with no-interest promotional periods or extended low-interest options.  These can either be credit card like or personal loan types.

Top Financing Options for Plastic Surgery

We proudly accept multiple financing options to help make your procedure more affordable. Here’s a look at the top financing partners we work with: 

1. CareCredit:  CareCredi t is a popular healthcare credit card that allows patients to pay for their procedures over time.  They are used throughout the country and also in veterinary and dental offices.

• Offers short-term financing options with 6, 12, 18, or 24-month promotional periods. 
• Interest-free if paid in full within the promotional period.  Not every office uses all the promotional periods.
• Extended financing options available for up to 60 months with competitive interest rates. 
• Quick and easy online application with instant approvals.

Credit Check Type: Hard pull upon approval.

2. Cherry Financing: Cherry Financing  provides flexible payment plans with no hard credit check to determine eligibility. 

• Offers instant approval with no hidden fees. 
• Low monthly payments based on your credit profile. 
• Ability to pay over time with zero upfront costs. 
• Simple application process that takes minutes to complete.

Credit Check Type: Soft pull initially, hard pull only if you proceed with financing.

3. Alphaeon Credit: Alphaeon Cred it is designed exclusively for elective medical procedures, including plastic surgery. 

• Offers zero-interest financing for select plans. 
• Higher credit limits than traditional credit cards. 
• Special financing options from 6 to 60 months. 
• Approval process is quick and secure.

Credit Check Type: Hard pull upon approval.

4. PatientFi: PatientFi  makes financing simple by offering affordable monthly payments without impacting your credit score. 

• Soft credit check to determine eligibility. 
• No hidden fees or surprise charges. 
• Designed specifically for medical and cosmetic procedures. 
• High approval rates for a wide range of credit scores.

Credit Check Type: Soft pull for prequalification, hard pull for final approval.

Breast Augmentation Financing Example

Let’s say you’re considering a breast augmentation procedure at Levesque Plastic Surgery. The average cost for a breast augmentation in Austin can range from $7,000 - $9,500, depending on the type of implants and surgical details.

Using CareCredit’s payment calculator, a $8,500 breast augmentation financed over 24 months with a 0% interest plan would cost approximately $354 per month (if paid in full within the promotional period). For longer-term financing (e.g., 60 months at 14.9% APR), payments may be around $197 per month.

Each financing provider offers different terms, so we encourage patients to check each option and their calculators to get a better estimate. 

Why do some offices not offer all promotional plans?

When you use a financing provider the practice is getting charged a transaction fee much like a traditional credit card however the transaction fee is typically much higher to offer the 0% interest promotional periods and increases with longer periods.  For just an example, not with actual numbers, lets say with a 6 month no interest promotional period you will have no interest if paid in full but the practice is going to get charged 5%, and with 12 month that might raise to 10%. At some point the practice is footing a substantial cost by accepting to offer the promotional period.  By participating with the financing providers all providers typically have to agree that any practice transaction fees can not be passed onto the patients in the way of higher charges if using say CareCredit,Cherry, Alphaeon etc.

Why would any practice offer patient financing plans if they are getting charged higher transaction fees than a credit card?

Well let's be real plastic surgery is expensive.  Many patients don't necessarily have thousands of dollars sitting in the bank account at present but could certainly make monthly payments in the hundred of dollars.  Offering patient financing plans allows patients to get the treatment desired and fit it into their own budget.  The practices may be making a little less  profit in the way of transaction fees but for some patients without the ability to spread out the cost than a procedure would not be done and therefore the revenue and profit would be zero.  In short, some practices will offer financing and some will not.

How to Apply for Plastic Surgery Financing 

Applying for financing is quick and easy. Simply follow these steps: 

• Choose your financing provider based on your budget and credit profile. 
• Submit an online application—most providers offer instant approval. 
• Review your loan terms and select the best payment plan. 
• Schedule your procedure and start your transformation!

Making Plastic Surgery Affordable for You

At Levesque Plastic Surgery, we believe that finances shouldn’t be a barrier to achieving your ideal look. Whether you choose CareCredit, Cherry, Alphaeon, or PatientFi, our team is here to guide you through the process and help you select the best plan for your needs.

If you're ready to explore your financing options  and schedule a consultation , contact us today!