Chin Surgery Financing
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Chin Surgery Loan Options
How we look is terribly important to most of us. It affects our confidence, our self-esteem, and how others see us. The science of plastic surgery has come a very long way in the last 20 years and can be life-changing to those who elect to undergo treatment.
Chin surgery, or mentoplasty, is often suggested as a way of improving the balance of the face and is achieved by adding implants, moving bone, or reducing bone. The resculpting can make a huge difference and often goes hand in hand with rhinoplasty. Chin surgery is often costly, so you may seek chin surgery financing to fund the process.
Applying for chin surgery financing is fast and easy:
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What is chin surgery financing?
Chin surgery financing is any type of borrowing you get to help pay for your surgical procedure and ancillary costs. Most often this is a personal loan, but we will look at some alternatives as well.
How does chin surgery financing work?
Commonly, people use a personal loan to fund their chin surgery. The lender gives you a lump sum which you repay in monthly installments, plus the interest, over a fixed period of time, typically 2-5 years.
What are the best chin surgery personal loans?
Often, a personal loan is the simplest and best form of financing chin surgery. Here are some of the best picks:
- Avant: Borrow up to $35,000 with a minimum credit score of 550.
- Axos Bank: Borrow up to $50,000 with a minimum credit score of 700.
- LendingClub: Borrow up to $40,000 with a minimum credit score of 600.
- LightStream: Borrow up to $100,000 with a minimum credit score of 660.
- Universal Credit: Borrow up to $50,000 with a minimum credit score of 560.
- Upgrade: Borrow up to $50,000 with a minimum credit score of 560.
- Upstart: Borrow up to $50,000 with no minimum credit score.
Interest rates vary depending on the lender and your credit score.
How much does chin surgery cost?
Costs for chin surgery vary widely depending on the scope and difficulty of the work required. While the American Society of Plastic Surgeons suggests that the average cost for chin augmentation is a little over $3,000, that figure does not include the cost of the facility, the anesthetist, and other expenses. A simple procedure may come in at $6,500, while the cost of extensive remodeling can be substantial.
What are the different types of chin surgeries?
Broadly speaking, there are two sorts of chin surgery:
- Chin augmentation: This surgery involves adding volume to the chin to make it more prominent.
- Chin reduction: This surgery involves reducing the size of the chin to make it less prominent.
- Sliding genioplasty: This surgery involves moving the chin forward or backward to improve the profile of the face.
Will my health insurance cover chin surgery?
Generally, no. Chin surgery is an elective procedure so your health insurance will not cover the expense. In some cases, jaw surgery is carried out to relieve pain caused by temporomandibular disorders or correct an uneven jaw that causes pain when eating. In these circumstances, your health insurance policy might cover the work needed.
How long does chin surgery recovery take?
The recovery time for chin surgery, also known as genioplasty, can vary depending on several factors, including the extent of the procedure and individual healing abilities. Here is a general timeline of what to expect during chin surgery recovery:
Immediately after Surgery: After the procedure, you may experience swelling, bruising, and discomfort around the chin and jaw area. Your surgeon may provide pain medication and instructions on how to manage post-operative care, including keeping the surgical site clean.
First Week: Swelling and bruising are typically at their peak during the first few days after surgery and gradually start to subside. You may need to wear a compression garment or bandage to minimize swelling and support the healing process. It's important to rest and avoid strenuous activities during this initial recovery period.
2-3 Weeks: By this stage, most of the swelling and bruising should have significantly reduced. You may start to see the initial results of your chin surgery. However, it's common to still experience some residual swelling, especially in the lower face and jaw area.
4-6 Weeks: Swelling continues to subside, and you should notice a more defined and balanced appearance of the chin. Most individuals can resume their normal daily activities, including work, exercise, and social engagements. However, it's essential to follow your surgeon's instructions and avoid activities that may put undue stress on the chin area.
Several Months: Full recovery from chin surgery can take several months. While you will see noticeable improvements within the first few weeks, it takes time for the remaining swelling to completely resolve and for the tissues to fully heal. Your final results will gradually become more apparent during this time.
It's important to note that everyone's healing process is unique, and individual recovery times may vary.
Can you get rid of a double chin without surgery?
There are a few ways to get rid of a double chin without surgery. These include:
- Losing weight. If you are overweight or obese, losing even a small amount of weight can help to reduce the appearance of a double chin. This is because excess fat can accumulate under the chin, making it appear more pronounced.
- Toning your neck muscles. There are a number of facial exercises that can help to tone the muscles in your neck and jawline. This can help to lift the skin and reduce the appearance of a double chin. Some of these exercises include:
- Chin lifts: Start with your chin tucked in and your lips closed. Slowly lift your chin up towards the ceiling, keeping your lips closed. Hold for a few seconds, then slowly lower your chin back down.
- Neck rolls: Tilt your head back and look up at the ceiling. Slowly roll your head to the right, then back to center. Repeat on the left side.
- Jaw clenches: Clench your jaw muscles together for a few seconds, then relax. Repeat several times.
- Massaging your neck. Massaging your neck can help to improve circulation and reduce fluid retention, which can both contribute to the appearance of a double chin. To massage your neck, use your fingertips to apply gentle pressure in a circular motion. Start at the base of your neck and work your way up to your chin.
- Changing your posture. Poor posture can make your double chin more noticeable. Make sure to stand up straight and keep your shoulders back. This will help to lift your chin and improve the appearance of your jawline.
- Using makeup. There are a number of makeup products that can be used to camouflage a double chin. These products can be applied to create the illusion of a slimmer neck and jawline.
Do chin surgery scars fade?
Scars caused by chin surgery will fade over time but, like all scars, will never disappear entirely. The incision is usually made inside the mouth so any scar will never be seen. Sometimes the incision is made under the chin so will be visible but it is a small one and will not be prominent.
How can I finance chin surgery?
The best ways to finance chin surgery are:
- Savings: This is the most affordable option, as you won't have to pay any interest. However, you may not have enough savings to cover the cost of the surgery.
- Personal loans: These are the most common way to finance chin surgery. They typically have terms of 2-5 years, which can make the monthly payments affordable. However, the interest rates on personal loans can be high, so you'll need to make sure you can afford the payments.
- 0% APR credit cards: These cards offer an introductory period of 0% APR, which can be a great way to finance chin surgery without paying any interest. However, the interest rate will typically go up after the introductory period, so you'll need to make sure you can pay off the balance before the interest rate increases.
- Home equity line of credit (HELOC): A HELOC is a type of loan that uses your home as collateral. This means that if you default on the loan, you could lose your home. However, HELOCs typically have lower interest rates than personal loans, so they can be a good option if you have good credit.
- 401(k) loan: This is a loan that you take out from your 401(k) retirement account. There is no credit check or interest, but you will have to pay the loan back with interest. This can be a good option if you have good credit and you don't want to pay any interest on your loan.
- In-house financing: This is a financing option that is offered by some plastic surgeons. It can be a convenient option, but you may not get the best terms. It's important to compare the terms of in-house financing to other financing options before you choose this option.
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Pros & Cons of Chin Surgery Financing
- No longer feel self-conscious
- You don’t have to wait and save up
- No need to eat into your savings
- You have plenty of time to spread the cost and pay it in affordable installments
- Paying off a loan is a serious undertaking and may affect other financial plans
- If you don’t have good credit finance can be hard to come by and expensive
What credit score do you need to obtain chin surgery financing?
A credit score of 690 or more will give you access to the best loans with the lowest interest but with anything less than 600 you will struggle to find affordable finance.
Can I get chin surgery financing with bad credit?
It may be possible to find finance with bad credit but you may find any offer to be unaffordable. Use our calculator to find out if financing may be a realistic option for you or not.
Chin Surgery Financing Calculator
Use our calculator to understand what your repayments will be:
How to Qualify for Chin Surgery Financing
To qualify for affordable financing for your chin surgery, you’ll need:
- A credit score over 660
- A debt-to-income ratio of 20-30% or less
- Annual income over $20,000, though if your surgery costs over $5,000 you’ll likely need a much higher income
Compare chin surgery personal loans and apply
Chin surgery can have a dramatic effect on the way you look and be an immense help in boosting the way you feel about yourself and how you interact with others. When you have decided it is the right step to take, the consultation with your plastic surgeon should include an accurate estimate of probable costs.
When you’re ready to move forward, it’s time to compare loans and apply. We’ve rounded up the best arm lift personal loans in our tables, so compare rates and find the best loan for your circumstances. When you find the one that’s right for you, simply click apply, you’ll soon have the funding you need.
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