Body Contouring Financing

What is body contouring?

Also known as liposuction or body sculpting, body contouring is a surgical procedure carried out under general anesthesia in a medical facility to remove areas of fat that stubbornly remain even after you have reached your desired weight and fitness level. Body contouring also helps to tighten skin that otherwise might show signs of sagging.

Although most often used in areas like the abdomen, chin, underarm, and thighs, body sculpting may help anywhere where fat pockets remain after a successful weight loss and exercise plan has been completed.

What is body contouring financing?

Body contouring financing is any form of borrowing you use to pay for the procedure. Though usually a personal loan, there are other forms of finance that we’ll be detailing later.

What are the best body contouring personal loans?

If you are considering body contouring a personal loan is often the best form of financing. Here are some of the best options:

Avant: borrow $2,000-$35,000 at 9.95-35.99% (minimum credit score: 550)

Avant

✔ Funding: Borrow $2,000 - $35,000
✔ Minimum Credit Score: 550
✔ APR: 9.95 - 35.95%
✔ Loan term: 2 - 5 years
✔ Funding turnaround: within 24 hours in most cases

With Avant personal loans, borrowers with fair to good credit scores can get access to super fast funding up to $35K. Best for debt consolidation.

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Axos Bank: borrow $10,000-$50,000 at 6.79-17.99% (minimum credit score: 700)

AXOS Bank

✔ Funding: Borrow $5,000 - $50,000
✔ Minimum Credit Score: 700
✔ APR: 7.15 - 17.99%
✔ Loan term: 3 - 6 years
✔ Funding turnaround: within 1-3 business days

AXOS Bank offers loans up to $50k and great refinancing options on existing loans. Best for borrowers with higher credit scores..

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LightStream: borrow $5,000-$100,000 at 4.49-20.49% (minimum credit score: 660)

LightStream

✔ Funding: Borrow $5,000 - $100,000
✔ Minimum Credit Score: 660
✔ APR: 2.49% - 19.99%
✔ Loan term: 2 - 7 years
✔ Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

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Upgrade: borrow $1,000-$50,000 at 5.94-35.47% (minimum credit score: 560)

Upgrade

✔ Funding: Borrow $1,000 - $50,000
✔ Minimum Credit Score: 660
✔ APR: 5.94% to 35.97%
✔ Loan term: 2 - 7 years
✔ Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

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How does body contouring financing work?

Commonly, people take out a personal loan to cover the cost of the surgical procedure and other costs involved. This lump sum, plus interest, is then paid back in monthly installments for the term of the loan. Typically, loans are taken out for 2 to 5 years but both shorter and longer terms are available.

How much does body contouring cost?

The final cost will depend very much upon what level of contouring you are looking for. While a full-body procedure may cost around $30,000 you may only need $8,000 for arm contouring or $10,000 for your thighs.

Are there different types of body contouring surgery?

Body contouring surgery can be broadly divided into two areas:

Liposuction: This is the most common cosmetic surgery procedure carried out in the U.S. and is particularly appropriate for those who have fatty deposits that refuse to disappear with diet and exercise.

The procedure may involve one or a combination of the following:

• Laser liposuction
• Tumescent liposuction
• Ultrasonic-assisted liposuction
• Power-assisted liposuction

Body contouring surgery: Particularly where much weight has been lost, liposuction, by itself, is often not enough and needs to be combined with lifts and tucks. Your surgeon will assess your condition and advise you on the particular combination of procedures that are right for you.

Commonly they will consider the following:

• Abdominoplasty, or tummy tuck
• Breast lifts and/or augmentation
• Buttock lift
• Belt procedure, also known as a circumferential body lift
• Lift for the inner thighs
• Brachioplasty for the arms
• Panniculectomy for the lower abdomen

Usually, and depending on the individual, a number of procedures will be needed to produce the desired result.

Does body contouring really work?

Body contouring is a proven method of reshaping your body. While weight loss regimes and exercise programs are hugely beneficial, they are rarely a complete solution. In particular, stretched, saggy skin will not magically disappear. The only answer is surgery.

Will my health insurance cover body contouring?

Body contouring is very unlikely to be covered by any health insurer. It is elective surgery and as such insurance will not help with the finance.

Do body contouring scars fade?

The scars produced by body contouring will fade and become less noticeable in the weeks and months following the procedure but they will never entirely vanish. That said, a talented surgeon will ensure they are placed in relatively unseen areas.

How often can you have body contouring done?

You should remember that body contouring is a surgical procedure and therefore should not be repeated too often. It is better to maintain your body weight and continue to exercise so that you don’t need to undergo the procedure more than once or twice in your lifetime.

How much weight can you lose with body contouring?

Body contouring is not a replacement for weight loss programs. Rather, body contouring perfects the appearance of your body once the weight loss has been achieved. Most people lose around 5-25lbs in fat and excess skin.