Best Ear Care & Hearing Aid Financing

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If you’re unhappy with the way your ears look, then you may be considering surgery to change your appearance. This is particularly common for teens who feel self-conscious and for adults experiencing hair loss and no longer have hair to cover the features of their ears they don’t like.

Besides aesthetics, you may also need ear surgery if you need to correct some damage caused by injury or if ear tubes are needed. However, surgical procedures are expensive and if you decide that you or a loved one needs ear surgery or otoplasty then you may need to look for finance.

Applying for ear surgery financing is fast and easy:

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What is ear care financing?

Ear surgery financing is designed to alleviate the burden of upfront costs, providing you with the financial flexibility you need to embark on your ear surgery journey. Whether you're considering otoplasty, earlobe repair, or other ear-related procedures, our financing program can help you achieve the look you desire while keeping your budget in check.

How does ear surgery/otoplasty financing work?

The process of ear surgery financing will vary depending on the lender or financing plan you choose. However, in general, the process will involve the following steps:

  1. Apply for financing. You will need to apply for financing with the lender or financing plan you choose. This will typically involve providing information about your income, assets, and debt.
  2. Be approved for financing. If you are approved for financing, the lender or financing plan will provide you with a loan. The terms of the loan will vary depending on the lender or financing plan you choose.
  3. Use the loan to pay for ear surgery. You will use the loan to pay for your ear surgery. The surgeon will bill the lender or financing plan directly.
  4. Repay the loan. You will repay the loan to the lender or financing plan according to the terms of the loan.

Which lenders offer ear surgery financing?

Below are some of the most common lenders which offer ear surgery loans:

  1. Avant: Borrow between $2,000 and $35,000 with competitive interest rates. Avant considers applicants with a minimum credit score of 550, ensuring accessibility for a broader range of individuals.
  2. Axos Bank: Enjoy borrowing flexibility from $10,000 to $50,000 with favorable interest rates. Axos Bank requires a minimum credit score of 700, catering to those with stronger credit profiles.
  3. LendingClub: Access funds ranging from $1,000 to $40,000 with varying interest rates. LendingClub considers applicants with a minimum credit score of 600, providing financing options to a wide range of individuals.
  4. LightStream: Secure loans from $5,000 to $100,000 with competitive interest rates. LightStream offers financing options to applicants with a minimum credit score of 660, promoting accessibility and affordability.
  5. Universal Credit: Borrow between $1,000 and $50,000 with flexible interest rates. Universal Credit considers applicants with a minimum credit score of 560, catering to individuals with diverse credit backgrounds.
  6. Upgrade: Enjoy borrowing flexibility from $1,000 to $50,000 with competitive interest rates. Upgrade considers applicants with a minimum credit score of 560, providing financing options to a broad range of individuals.
  7. Upstart: Access funds ranging from $1,000 to $50,000 with varying interest rates. Upstart considers various factors beyond just credit score, opening doors for individuals without a specific minimum credit score requirement.

How much does ear surgery/otoplasty cost?

The cost of ear surgery, also known as otoplasty, can vary depending on a number of factors, including the surgeon's fees, the type of procedure performed, and the geographic location of the surgery.

According to the American Society of Plastic Surgeons (ASPS), the average cost of otoplasty in the United States is $3,736. However, the cost can range from $2,000 to $6,000 or more.

Are there different types of ear surgery/otoplasty?

Generally speaking, there are three types of otoplasty:

  • Ear augmentation: If someone has abnormally sized ears or ones that have not fully developed they may seek otoplasty to enlarge the size of their outer ear.
  • Ear pinning: Having ears that stick out too far can be remedied by otoplasty, drawing the ears closer to the head.
  • Ear reduction: For those that have larger than normal ears, a condition called macrotia, otoplasty can be used to reduce them.
  • Ear reshaping: Otoplasty can “remodel” your ears if they are misshapen.

In addition to cosmetic surgery, many children have ear tubes inserted to drain fluid from the inner ear and help prevent recurrent ear infections. If an ear, nose, and throat doctor recommends such a procedure, your family health insurance plan will probably cover it.

Will my health insurance cover ear surgery/otoplasty?

It depends. Elective surgery like otoplasty is rarely covered by your insurance. However, if ear surgery is needed for medical reasons and advised by your doctor it will likely be covered.

Do otoplasty scars fade?

Yes, otoplasty scars fade over time. The incisions are typically made behind the ears, so they are not visible in most cases. However, some people may experience some scarring, which can fade over time.

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What kind of results can I expect from otoplasty?

The results of otoplasty can vary depending on the individual's anatomy and the specific procedure performed. However, in general, otoplasty can achieve the following results:

  • Reduce the size of protruding ears.
  • Straighten cupped ears.
  • Raise low-set ears.
  • Change the shape of the ears.
  • Improve the symmetry of the ears.

The results of otoplasty are typically permanent. However, it is important to note that there is always a risk of complications, such as infection, scarring, and asymmetry.

How can I finance ear surgery procedures?

The common ways to finance otoplasty are:

  • Savings: If feasible, utilizing your savings and investments to finance all or part of the procedure can help minimize costs. However, carefully evaluate the impact on your long-term financial plans before depleting your savings or disturbing long-term investments.
  • Personal Loans: Taking out a personal loan is a straightforward approach to spreading the cost of otoplasty over several years. This option is especially suitable for individuals with good or excellent credit scores, as they may qualify for lower interest rates and more favorable term lengths.
  • 0% APR Credit Cards: For those who qualify, using a credit card with a 0% introductory APR and a sufficient credit limit can be an option. However, it's crucial to pay off the balance within the introductory period to avoid a significant increase in interest rates.
  • Home Equity Line of Credit (HELOC): A HELOC provides a credit line secured against your home, similar to a credit card. It offers the benefit of higher credit limits and potentially lower interest rates. However, it's important to recognize the risk involved, as defaulting on payments may put your home at stake.
  • 401(k) Loan: If your 401(k) plan allows for it, borrowing from your retirement savings can be an option since it typically involves no interest and no credit check. However, carefully consider the impact on your long-term retirement plans before proceeding.
  • In-House Financing: Many plastic surgery practices offer in-house financing options in partnership with lenders. While this may provide a convenient financing solution, it's essential to compare and ensure that you're getting the best possible terms and rates available in the market.

Pros & Cons of Ear Surgery/Otoplasty Financing


  • It can help you afford the procedure. Otoplasty can be a costly procedure, and financing can help you pay for it over time.
  • It can give you peace of mind. Knowing that you have a plan to pay for the procedure can help you feel more confident about moving forward.
  • It can be a convenient option. There are a number of financing options available, so you can find one that fits your needs and budget.


  • You will have to pay interest. Most financing options for otoplasty involve interest, which means you will pay more for the procedure in the long run.
  • You may have to make monthly payments. This can be a financial burden for some people.
  • You may have to provide personal information. Some financing companies require you to provide personal information, such as your credit score, which can be a security risk.

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

The credit score required to obtain ear surgery/otoplasty financing varies depending on the lender. However, most lenders require a credit score of at least 640. If you have a credit score below 640, you may still be able to qualify for financing, but you may have to pay a higher interest rate.

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.

How to apply for ear surgery financing and get qualified

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

  1. Research financing options. There are a number of different financing options available for ear surgery, so it is important to research your options and compare interest rates, terms, and fees. Some popular options include credit cards, medical financing companies, and personal lenders.
  2. Get pre-approved for financing. Once you have chosen a financing option, you will need to get pre-approved for financing. This will give you an idea of how much you can borrow and what your monthly payments will be.
  3. Meet with your plastic surgeon. Once you have been pre-approved for financing, you will need to meet with your plastic surgeon to discuss the procedure and the financing options. The surgeon will be able to help you choose the best financing option for your needs and budget.
  4. Apply for financing. Once you have chosen a financing option, you will need to apply for financing. The lender will review your application and decide whether or not to approve you for financing.
  5. Sign the loan documents. If you are approved for financing, you will need to sign the loan documents. This will include the promissory note, which is a legal document that outlines the terms of the loan.
  6. Pay your monthly payments. Once you have signed the loan documents, you will be responsible for making monthly payments. It is important to make your payments on time to avoid late fees and defaulting on your loan.

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