How to pay for a plastic surgery procedure is often one of the top concerns — and barriers — people have before booking it.

While cosmetic and elective procedures can be pricey, and insurance doesn’t usually kick in, there are some creative ways to pay. If you choose to finance a procedure, remember it’s like taking out a loan for anything else — there is often interest and your risk penalties if you miss a payment. Know your budget and all the fine print before you sign.

Unfortunately, many of us need a little extra help when it comes to paying for a treatment. Here, 10 of our RealFriends tell us how they did it:


Save your pennies


I have a money jar where I throw my ‘extra’ money into. Every procedure I had was sooo worth it!” —ransrvr 

I always save money for a rainy day, so this was part of my savings that I felt was well worth the spend because of the benefit it would give me. I paid for it all up front to get it done with. I am very happy with the results thus far … The money was a small price to pay for the change in my personal self-esteem and being comfortable in my own skin.” —casey1638 

I paid for it by spreading the mommy makeover over two surgeries. First my breast augmentation, then saved more until I had enough for my tummy tuck 18 months later. It is all paid in full. Is it worth it? Yes, yes a hundred times YESSS!” —ready4nxtlevelme  


Finance it


“I went to several consults. The doctor I ultimately chose had great financing options, so we financed the surgery. That way I didn’t have to wait while we saved. Financing was great! We are currently making monthly payments and hoping to pay it off with our tax return. My procedure was 100 percent worth it and was the best, selfish decision I have ever done for myself!” —TTdreamer84  


Related: Your top 6 questions answered about financing plastic surgery


“I used cash and put everything toward my surgery for a few months as well as using 0 percent interest credit cards, but then paid them off within a matter of a few months.” —Lucky.Charms.3 

“I had some money saved up prior to the surgery, but I decided to finance a little under half the cost of the rhinoplasty so that I wouldn’t have to drain my account. I went with six-month, no-interest financing with CareCredit*. As I just had my procedure two months ago, I’m still making payments. I think I got a nice improvement from the surgery. So, yes, I’m happy with my decision to have the procedure.” —IRGirl 

“I started researching liposuction because I didn’t think I could afford a tummy tuck. Well, fast-forward: I was able to get a tummy tuck and was financed by CareCredit. It has been the best thing ever. I never really lacked in confidence, but having this smooth, flat tummy has sent my confidence over the roof.” —Vanish66  

“I had surgery because I lost 60 pounds and breastfed two kids. My breasts went to a F cup with my last kid combined with the weight loss, my girls needed some TLC! The choice to have cosmetic surgery was a quick decision, and we applied for CareCredit. I make monthly payments and I’m finally enjoying my results!” —spunkcow  


Related: People put off kids for plastic surgery, survey says.


“I was having a hysterectomy anyway, so it was logical since I had lost 95 pounds post-gastric sleeve four years earlier. I used a zero-interest credit card. I am making payments (still). Totally worth it!” —txmom808 

“I had been self-conscious of my breasts for as long as I can remember because they were deformed and asymmetrical. … My surgery was financed through CareCredit. I convinced my mother to pay for it as a college graduation gift, so technically for me it was free! All the payments are complete, we chose the six-month plan to avoid interest. My surgery was definitely worth it. I’m confident in my body now and all clothes look better.” —ilovesnails666  

*Editor’s note: CareCredit is a healthcare financing credit card. Medical practices select which financing companies they prefer to work with. If you plan to finance, it’s important to ask your doctor’s office which company they use. 

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