Financing for Plastic Surgery

Hi gang! I am looking at potential places to go for financing my plastic surgery, since, as we all find out, most insurance companies won't cover it. I have been given a couple of names, but it anybody knows of a really good finance company that will work with you I would appreciate it. I have been given a quote of approx. $12,700. for tt and breast lift/augment (as outpatient surgery doing both at the same time). Being that this is an unsecured loan (can't reposses boobies...) I know it will be a little harder to get. Thanks for the input! I appreciate it! Val

Hi Val! I'm self pay for my WLS and I'm using a credit card. Its one of those that have a 3.9% interest until its paid off. No one could touch that interest rate so I'll just have a "big" credit card balance for a while. Just a thought Bev

I wish I could do the credit card thing, but I just don't have that kind of limit on mine. Thanks for the suggestion tho. 3.9% is AWESOME! You can't beat that with a stick! I appreciate it! Val

Hi Val, I don't know if this would be an option or not for you but, if you are buying your own home, have you thought about a second mortgage? Borrowing from a 401k? Personal loan through a credit union. I do know of two finance companies here in Columbus. Tico Credit and American General. I don't know there phone number, but I am sure they are in the directory. I would use the finance companies last because of high intrest rates. You could even go to the bank that you deal with and see about a personal loan. It should not be a problem as long as you have something for colladeral. With Tico credit, ( I have used them before) I had to use my car, jewelry, camping equipment, home electronics, and even my compter for colladeral. They just want you to have about the same amount as what the loan is for. So if you wanted 18,000 you would need to have that mu*****olladeral. If you don't own enough, you may be able to have a family member or a good friend offer colladeral on your behalf. Hope this helps. Best of Luck Lisa

Thanks! I do have a credit union account, so that's a thought, hmmmmm I know the finance companies have high interest rates, but the more I get into this, the more it looks like I will have to do that route... We do have a mortgage, so that is something I never thought about either. Unfortunately I tried to borrow against my 401K, but because I work for the state, they have it set up so that I can't borrow against it or withdraw any money because it is a mandatory retirement program. Just another "Perk" of working for the state...yeah right. I have more than enough in there to cover two plastic surgeries too!!! So, I will keep those in mind. I figure, where there's a will there's a way. I could probably come up with all kinds of collateral if they would take it. So, that's a thought. I am determined to get this done. I didn't come all this way to be told NO! There's always applying for Extreme Makeover too...hmmmmm Thanks again! Valerie

Hey, I guess Extreme Makeover wouldn't be a bad idea really. I mean, if you think about it they will do everything you could ever want done and get ya some clothes to boot. LMAO. *sigh* I wish I could win the lotto. Of course its kinda difficult unless one plays. LOL. good luck, Tonya

reguarding the credit card suggestion; you could always ask for a credit limit increase. just tell them you have to have surgery and the insurance won't pay. (DON'T TELL THEM WHAT YOUR HAVING DONE) see what they will say. hey if they want your money they'll give you the increase. good luck!!!

Hey Val, Ya have a rick uncle who has one foot in the grave and the other on a banana peel? Could you adopt one really fast? Hummm, how about a rich "sugar daddy" on the side? Now, no flaming me guys, Val knows I'm only joking with her!!! OR AM I . . . . . Hugs, Susie

Hmmmm Sugar Daddy....now that's the idea there! You are just not right, and if you didn't rib me about this I would think something was wrong with ya! BTW CONGRATULATIONS ON YOUR NEWS TODAY!!!!!!!!!!!!!! WOOOOOOOOHOOOOOOOOOOOOOOOOOOOO HAPPY DANCE HAPPY DANCE HAPPY DANCE Now maybe I can get some good news too! LYLAS! Val

Hey Valerie. Capital One (capitalone.com) has a medical financing option`off their home page. You might do OK there. Check it out and good luck. Also I believe there is a link off the OH site here for financing.