Ear Surgery Financing

How much do ear reduction and reconstruction surgeries cost?

When you include surgeon’s fees, facility expenses, and anesthesia costs you are looking at somewhere between $6,000 - $10,000 for the procedure. You will also need to budget for post-surgery medications and follow-up appointments.

What kind of results can I expect from otoplasty?

Ears form a major part of your appearance and otoplasty is a great way to allow you to have the ears you want. Recovery is usually fast and besides some mild discomfort, you can go about your life as normal almost immediately, though this will depend on the procedure.

How can I finance ear surgery/otoplasty?

The best ways to finance otoplasty are:

• Savings: Any sort of loan costs money, so if you can finance all or part of the operation with savings and investments you should think about doing so. However, you may not want to reduce your savings pot or disturb long-term investments.
• Personal Loans: Often the simplest way to pay for otoplasty is to take out a personal loan and spread the costs over a few years. This solution is particularly suitable for anyone who has a good or excellent credit score and can qualify for a low interest rate and generous term length.
• 0% APR Credit Cards: Credit cards are an option in helping to pay for ear surgery if you can qualify for a 0% card with a high enough credit limit. But remember that if you don’t pay back the money within the introductory period the interest rate will rise dramatically.
• HELOC: A Home Equity Line of Credit is a possibility for paying for otoplasty. Much like a credit card, you are given a line of credit that allows you to dip into it when you need to. Rember, this form of borrowing is secured against your home, so while you may get a high credit limit and enjoy a low interest rate, should you default you may lose your home.
• 401(k) Loan: This is a good option if your 401(k) plan allows you to access your retirement savings before you retire because there is no interest and no credit check involved. Be aware that it may impact your retirement plans.
• In-House Financing: Many plastic surgery businesses offer finance in partnership with a lender. This may be the easiest way to organize financing but make certain you can’t get a better deal elsewhere.

Pros & Cons of Ear Surgery/Otoplasty Financing

PROS

• Stop having ears you feel draw attention
• Get the work done now, rather than waiting until you have saved enough
• You don’t have to use your savings
• You can pay over a short or long term

CONS

• Unless you have good credit a loan can be hard to afford

What credit score do you need to obtain ear surgery/otoplasty financing?

A credit score of 690 or over will give you access to the best loans. Anything under 600 and you will find finance hard to come by and expensive if you can find it.

Can I get ear surgery/otoplasty financing with bad credit?

With poor credit, you will find it very difficult to secure a loan and likely to be mega-expensive if you do. You should be realistic about your finances and how much you can afford. Use our calculator to find out if financing may be a realistic option for you or not.

Ear Surgery/Otoplasty Financing Calculator

Make sure you understand how much your repayments may cost you with our calculator:

How to Qualify for Ear Surgery/Otoplasty Financing

To qualify for affordable financing for your ear surgery/otoplasty, you’ll need:

• A credit score over 660
• A debt-to-income ratio of 30% or less
• Annual income over $20,000

Compare ear surgery/otoplasty personal loans and apply

Otoplasty can change your life and make you more confident. A consultation with your chosen surgeon should give you a cost breakdown and an accurate idea of how much you need to cover all the bills.

With this figure in mind, it is time to compare loans, make your choice, and apply. We’ve collected the best ear surgery/otoplasty personal loans in our tables, all you need to do is compare rates and find the best loan for your situation. When you’ve made your choice, just click apply and the funding will soon be in your account.