Financing a tummy tuck is standard practice. Most patients spread payments over 24–84 months. Here's every option — honestly compared, with no pressure to apply.
Financing a tummy tuck is standard practice. Most plastic surgery practices work with at least one financing partner, and personal loan options through banks and online lenders are also widely available. You don't need to pay cash to move forward.
These lenders are informational — ask your surgeon's office which they work with.
Commonly accepted at plastic surgery practices. 0% APR promotional periods available.
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Widely used at cosmetic surgery practices. Accepts a range of credit profiles.
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Credible
Compare multiple lenders in minutes. See real rates without affecting your credit score.
Compare ratesAlphaeon Credit and PatientFi (through surgeon offices) typically accept a broader range of credit profiles than CareCredit. Prosper Healthcare Lending also works with a range of credit scores. In-house surgeon payment plans sometimes require no credit check at all.
Expect higher APR than prime-credit borrowers, but financing is usually still available. Be cautious of deferred-interest offers — if you don't pay off the balance in the promotional period, interest accrues from the original date.
Only if there's a medically necessary component — diastasis recti repair or panniculectomy. Pure cosmetic abdominoplasty doesn't qualify. Get a letter of medical necessity from your surgeon if any functional component exists.
