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So you are thinking about getting some cosmetic surgery but don’t have the available finances to pay for the expensive procedure and its not covered under your insurance policy. With today’s economy it is getting harder to put money away for a rainy day let alone pay for an elective surgery. But due to the economy cosmetic surgery clinics are finding ways to offer loans to potential patients with guaranteed financing through credit companies they work with directly. You can also apply for a health care loan online.

Guaranteed financing for cosmetic surgery is available through the following health care credit companies:

Capital One Healthcare Finance which provides patients a flexible plan and low interest rates. Cosmetic surgery procedures range from $1500 to $25,000 and can be financed through the Capital One plan.

Care Credit helps pay for elective surgery procedures not covered by your health insurance company. Care Credit also provides the patient with affordable monthly payments that works with your budget. The maximum guaranteed cosmetic surgery financing is $25,000.

Surgery Financing offers an extensive array of loan options with interest rates ranging from 4.9% to 17.9% and a full range of payment plans to choose from. Surgeryfinancing.com offers fixed term loans up to 60 months, a 12 month deferred payment plan with no interest, no pre-payment penalties, 0% interest on approved credit with loans from $1,000 to $25,000.

Health One has 0% interest on the first 6 months. No annual fees with a purchase once a year. Low interest rates and high loan limits. Health One has guaranteed financing for plastic surgery procedures such as bariatric surgery or cosmetic dentistry and non-surgical cosmetic surgery alternatives like spa treatments and facial laser resurfacing. If your surgery is covered by your insurance company, but the 20% co-pay limit still takes a bite out of your bank account. Health One will finance your co-payment.

MyMedicalLoan.com is created to provide consumers with easy and affordable options to pay for medical expenses through your doctor’s office. Whether you need a medical loan for plastic surgery, vision correction or other medical procedures, we can help you obtain financing through your doctor’s office for your needs, even if you have less than perfect credit. But less than perfect credit requires a co-signer. Loan amounts are from $1,000 to $25,000. Interest rates start at 9.99%.

Cosmetic Surgery Center often will have a guaranteed financing payment plan in place that can be an effective solution to pay for your surgery. If they do, be sure to inquire about the specific terms and how they would affect your payments. Make sure the payment plan covers all expenses from your initial consultation to your follow-up visits.

Ask your bank for a personal loan and make sure you are honest about your credit rating. In fact it may be in your best interest to obtain your credit report before you apply for a loan. You can get your credit report from Transunion, Experian or Equifax. If there are any questionable items on the report you correct the error and save yourself from getting higher interest rates. If your credit rating is below their standards you might need a cosigner or collateral to get the loan.

Just remember a loan with a credit company through your cosmetic surgery clinic or a health care credit company online is different then a loan from your bank or using a personal credit card. A health care loan will often qualify you for much larger amounts in comparison to credit card limits. Interest rates are often very similar ranging from an average of 14% to 20%, with some plastic surgery financial companies offering rates as low as 8 or 9% for those with excellent credit. You should also look to see if any companies are offering a no interest grace period. You can sometimes find guaranteed financing cosmetic surgery loans at 0% interest for up to 12 months with no downpayment and no collateral.

When you are looking for sources or information on finance, it is advisable that you conduct thorough research so that you have all the accurate facts. There are various sources where you can search finance. One of best places to start is the Internet. You will have access to various alternatives and get a lot of information that will cover all the aspects of finance. You need to have a reliable Internet connection and know how to use the search engines to your advantages.

When you want to do research on finance, all you have to do is go to the Google website and type in specifically what you are looking for. When you do this, you then get a list of the different aspects of your topic. It is now up to you to choose the one that matches your search closest since each one of them have a brief description of the topic.

So if for example you are looking for finance firms, you will get a list of the firms that are available. You can also look for information regarding where to get funding for a business that you want to start or even where you can get money to buy a home. The Internet will offer you a variety of choices that will help you get a deal that works best for you.

You can also learn about the different investment choices that are available and how to invest wisely in the short and long term. If you are not too keen on the Internet, you can also choose to access finance information in finance magazines and books. There are experts here who can give you great advice on how to make wise decisions in regards to your finances. Depending on your need to search finance ensure that you get all the facts so that you are able to make informed choices.