Plastic Surgeon Dr. Russell F. Sassani
Expert in Plastic and Cosmetic Surgery

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How To Fit Plastic Surgery Into Your Budget?

Plastic surgery is expensive; there is no other way to put it. Most plastic surgery procedures are classified as elective procedures, which means insurance doesn’t cover them. So, does this mean that plastic surgery is only for the uber-rich?

Of course not. There are many alternative financing options that you can utilize to fit plastic surgery into your budget. Banks, credit card companies, and even some plastic surgery clinics offer these financing options!

Take Shape Plastic Surgery, for instance, has some of the best layaway and CareCredit programs which can help patients finance their plastic surgery without any hassle. So whether you want botox, breast augmentation, or a facelift, here are some of the best plastic surgery financing options for you:


Many Plastic Surgery clinics such as Take Shape Plastic Surgery offer layaway plans for their potential payments. A layaway plan is one where you can put down the money you have currently and divide the rest of the payment into smaller payments over several months. Once you are done with the payments, you can get the surgery!

For example, if a surgery costs $6000 but you only have $3000 at present, you can pay the clinic $3000 and make smaller payments of $250 for the next 12 months. Once you have paid the entire amount, you can get the surgery.

Layaways are a great option for patients who need some downtime before the surgery and are hesitant to spend a hefty amount of money at once over a huge decision. Layaways also keep you committed to the process. You will most likely not bail on the procedure when you are making monthly payments!


Take Shape Plastic Surgery also accepts medical credit cards such as CareCredit, the perfect option for anyone who wants the surgery sooner rather than later.

With CareCredit, patients can make an initial payment over a few months, get the surgery, and continue with the remaining payments.

For example, Take Shape Plastic Surgery will allow patients to pay for their surgery for 6 months without interest and then get the procedure. After that, the patient can continue paying the balance for the next 6 months.

CareCredit options for plastic surgery include a 24-month plan with 14.9% interest and a 36-month plan with 15.9% interest.

Credit Cards

You can also use a regular credit with to finance your plastic surgery. Many credit cards have payment plans for elective procedures. However, most credit cards charge high interest on elective procedures, so this may not be the best option for everyone.

You can use a credit card with 0% APR for the procedure, only though, if you have good credit. Similar to the CareCredit card, you can make smaller payments every month and charge them to your card instead of paying the whole amount upfront. Take Shape Plastic Surgery also accepts credit cards and payment plans as financing options.

Plastic Surgery Loans

You can also take out a loan for plastic surgery. It will be termed as an unsecured personal loan, and you will be able to get the full amount for your surgery from the lender, which you can then immediately pay to the plastic surgery clinic.

You can slowly pay the loan back to the lender in smaller monthly payments. However, these payments usually have a fixed monthly APR as well.

Personal loans can be a good option for people with a good credit history and are often cheaper than credit cards and other financing methods. People with a good credit history are charged less interest per month than those with a bad one.

Another benefit of personal loans is that you can pay them off early if you have the means to do so, which will relieve you of the debt sooner.

Save Up!

Lastly, if none of these methods work out for you, you can probably save up and raise the money for your surgery over time. You can use budgeting apps to cut down extra expenses and put extra money into your savings. You may want to set aside a specific period where you will save a certain amount of money, and when you have the whole amount in your account, you can get the procedure too!

For more information and consultation regarding a surgery decision, call the experts at Take Shape Plastic Surgery @(954)585-3800.



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Doctor Russell F. Sassani is an expert in cosmetic surgery of the face, plastic surgery of the breast, body contouring surgery, fat grafting with concentrated stem cells, and laser skin resurfacing.

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