Plastic surgery seems to be a costive endeavor, hence it is almost uncovered by insurance. Consequently, some people who plan to have this beauty enhancement surgery have to pay out of their own pockets. But, it seems to be a dilemma and difficult thing for them if they have bad credits. Nevertheless you do not need to worry about it because we can still have a lot of options to have some plastic surgery with bad credits.
Cosmetic Surgery Financing
9 Steps to Get Plastic Surgery with Bad Credit
1. Consult to your plastic surgeons dealing with plastic surgery costs. You have to make the calculation of the total cost of desired cosmetic surgery procedures and their aftercare before looking for the plastic surgery loans.
2. Make sure you have obtained the copy of your credit reports such as Experian or Equifax and Transunion. Do not forget to check as well if all the reports are correct. However, if you find something misses, you can contact your credit agencies to correct the error. Due to having good credit reports is very important and helpful before you seek plastic surgery loans.
3. Do not ever hesitate to ask the plastic surgery clinic officer about the programs of personal financing. Usually, some of cosmetic surgery clinics provide and offer personal financing programs. Even not a few of them provide a higher interest rate
4. Frequently consulting with plastic surgery surgeon if there is a discount for certain a plastic surgery procedure. Even though you would not like to retrench on cosmetic surgery, but plenty of surgeons are usually ready to negotiate about the hardship of patients’ financing. Though you will not gain the hefty discount, but there are always possibilities you can save your money.
5. The other step to get plastic surgery loans for people with poor credit is to propose for a personal loan to banks. The requirements of collateral for qualifying personal bank loan are usually in the form of houses, cars, and other assets. If you are qualified to get the personal bank loans, you may get a higher interest rate because the bank apparently does not want to take the risk for giving loans to the people with bad credits.
6. Do not ever hide your credit history though it is bad. If you tell lie about your credit history, then you will get a serious problem if the loaning agency do audit to your credit issues. It is better for you to tell frankly if you have bad credit history.
7. You have to show the copies of your pay stubs though your credit history is bad. Moreover, if your poor credit has turned into better condition, it will make you easy getting some plastic surgery loans. However, you have to enclose the proof of your steady income.
8. The other step for you who want to get plastic surgery loans with bad credit history is that you have to put down many solid credit references in order to make loaning agencies believe in you.
9. The last but not least step in order to get plastic surgery financing bad credit is that you can ask your family member or close friends to sign your loan. The co-signers will put their money and credit on your line. But, be aware if you do not make the payments, then they will be on the hook for your loans.