Breast Augmentation Financing: 4 Options

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John Brown

John Brown, Financial Analyst

Last Updated:

Everyone wants to look their best. A little help from a plastic surgeon to boost your confidence and get the figure of your dreams. Also, you might be looking into breast augmentation because of medical procedures like a mastectomy. Unfortunately, the cost of a breast augmentation procedure is considerably high ($4,500 on average), which makes it impossible for many women to get the procedure.

The good news is that there are multiple ways to get breast augmentation financing. You can get breast implants financing even with bad credit! Scroll down to learn all about different breast augmentation financing options.

Does Insurance Cover Financing for Breast Implants?

This is one of the most important questions when it comes to financing breast implants. Most people believe that insurance does not cover it. However, that’s not always the case. Most insurance plans cover the cost of breast augmentation as long as it is performed as a breast reconstruction coupled with a mastectomy.

If you need breast augmentation for any other reason apart from breast reconstruction, your insurance is unlikely to cover the cost. Therefore, make sure you take the time to understand your insurance plan before you ever think how to afford breast implant.

Breast Augmentation Financing Options for Bad Credit

There are multiple ways to get breast augmentation financing. Keep in mind that, while it is certainly easier to secure financing with good credit, it is not impossible to receive breast augmentation financing if you have a bad credit score. Let’s take a look at some ways.

What kind of loan can you get for breast augmentation?

  • Take Payday or Installment Loans with High Interest Rates

    Getting a loan for breast implants with bad credit may be difficult, but it’s not impossible. It is one of the most viable options as it helps disperse the cost over an extended period. Instead of paying the amount upfront, taking a personal (non-collateral) loan allows you to get financing for breast implants without upsetting your monthly budget. The only downfall to taking such a loan for breast augmentation is that the lender will charge high interest rates.

  • Take Collateral Loan

    Another option is to take a collateral loan. You can use a valuable asset, like your car, as collateral to secure financing for breast implants. In some cases, collateral may help you get low-interest rates, even with a bad credit score. So, if you are worrying about how to get financing for breast implants with bad credit, collateral loan might be a solution you need. Another important thing to mention is that you can take collateral loans, like a car title loan, even if you are unemployed. This is because these loans are secured with the collateral, which means that the lenders are likely to be more interested in the value of the collateral than your credit score. However, keep in mind that if you fail to return the payment, the lender can legally take possession of your assets and sell them to recover the remaining debt.

  • Check Out Clinic Payment Plans

    If getting a loan for breast implants is not an option for you, you can always look for doctors or clinics that offer payment plans to clients. Some doctors work with their patients to come up with a long-term payment plan for breast implants. So, instead of paying the cost of breast augmentation upfront, you can work with your doctor to pay it in installments over an extended period. This is a good option, as most payment plans offered by doctors or clinics don’t include interest. Plus, they offer great flexibility.

    The only problem is that finding a reputable institution or doctor that offers feasible payment plans for breast augmentation is not going to be easy. It may take you a long time to find the right doctor offering the ideal plan.

  • Borrow from Your 401(k) Account

    Do you have a 401(k) account? If yes, you may be able to borrow up to 50% of the total vested balance up to the maximum amount of $50,000. This option is fairly easy and simple since repayments are deducted from your paycheck, usually for the next five years. Furthermore, borrowing from your 401(k) account will not affect your credit ratings, and you can also enjoy low-interest rates.

    While this seems like a viable option, keep in mind that it affects your monthly income and, in case you leave your job for any reason before the loan is completely repaid, you must pay the loan in full, or it will be charged as taxable income. Another drawback of getting breast augmentation financing through a 401(k) account is that you repay the loan using taxed money, which means that you essentially pay double taxes.

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Breast Augmentation Financing: 4 Options

How to Get a Loan for Breast Implants

How to finance a breast augmentation? Getting loans for breast implants is easier than you may have imagined. You can find online platforms to get financing for breast enlargement, even with bad credit. For example, GetCash is a safe and secure platform that connects you with lenders. Whatever your credit score is, you can request a personal or a collateral loan for breast implants online in just a few steps:

  • STEP 1. SEND A LOAN REQUEST.GetCash does not charge money from borrowers. Requesting cash from our lenders is free, fast and secure.
  • STEP 2. GET YOUR OFFER.Keep in mind that you are not obliged to accept anything if you are not sure you will be able to pay the loan back. We recommend reading all terms and conditions carefully before accepting a lender’s offer.
  • STEP 3. RECEIVE FUNDING.You can get money as soon as the next business day.

What You Need to Know About Breast Implants

Here are a few important things to keep in mind when you decide to opt for breast augmentation:

Types of Breast Implants

There are many different types of breast implants. Some options include:

  • Gummy bear breast implants
  • Saline breast implants
  • Silicone breast implants
  • Round breast implants
  • Smooth breast implants
  • Textured breast implants

Keep in mind that it is important to choose the type of breast implant you want carefully, as this may affect the cost of the procedure. It is advisable to consult your doctor to help you determine the best type of breast implants for you.

How Long Do They Last?

It is essential to keep in mind that breast implants do not last for a lifetime. The average lifespan of breast implants is between 10 to 20 years. After that, you will either need new implants or surgery due to the physical changes around the breast. So, when you consider breast augmentation financing, it is best to think in the long-term. Make sure you factor in all the costs associated with breast augmentation.

Now that you know the various breast augmentation financing options, don’t let the high costs of getting breast augmentation keep you from looking your best. Make an online request at GetCash, find your lender and get the loan you want for a breast augmentation procedure.

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What do I need to get a breast augmentation loan?

The requirements vary from one lender to another. However, in most cases, you need to be at least 18 y.o., have a stable source of income, be a legal resident of the United States, and be able to provide your Social Security number and a bank account registered in your name.

Is it better to get breast augmentation financed by a bank or an online lender?

Each of these options has its advantages and disadvantages. But in most cases, the process of getting a loan is much slower with a traditional bank. Besides, a lot of banks are not willing to work with borrowers with bad credit scores, while online lenders can be more open to such cases.

How much does it cost to get breast augmentation?

The price of a breast augmentation operation depends on your specific case and the clinic of your choice. The average price for breast augmentation in the US is around $4500, although this number can vary significantly.

Which loan is better for breast augmentation financing?

If you need money to finance your breast augmentation surgery, one of the most suitable options is an installment loan, either secured or unsecured.