Facial Implant Financing
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Loan Options for Facial Implant Procedures
When we aren’t completely happy with the way we look, it can knock our confidence and sometimes leave us feeling like we need to hide away.
With so many cosmetic surgery options available to us, there is always the option to alter the way we look to allow us to feel more confident and happier in ourselves. However, these surgical procedures are expensive, and so many feel as though looking exactly how they want is out of reach. With facial implant financing, you can gain the money you need to enhance your face into something you are really happy with.
Applying for facial implant financing is fast and easy:
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What is facial implant financing?
Facial implant financing is a way to pay for facial implants without having to pay the full cost upfront. There are a variety of different financing options available, including personal loans, credit cards, and in-house financing through your plastic surgeon's office.
How does facial implant financing work?
Here's how facial implant financing works in general:
- You choose a financing option and submit an application.
- The lender reviews your application and approves or denies your loan.
- If your loan is approved, you will receive a check or credit card that you can use to pay for your facial implants.
- You will then make monthly payments to the lender over a specified period of time.
The interest rates and repayment terms for facial implant financing vary depending on the lender and the type of financing you choose. However, in general, you can expect to pay a higher interest rate for facial implant financing than you would for other types of loans. This is because facial implants are considered to be a cosmetic procedure, and lenders are more likely to take on more risk when financing cosmetic procedures.
What are the best facial implant personal loans?
Here are some of the best personal loans for facial implants, based on interest rates, repayment terms, and other factors:
- Avant: Avant offers personal loans to borrowers with good to bad credit. Interest rates range from 9.95% to 35.99%, and loan amounts range from $2,000 to $35,000.
- Axos Bank: Axos Bank offers personal loans to borrowers with good to excellent credit. Interest rates range from 6.79% to 17.99%, and loan amounts range from $10,000 to $50,000.
- LendingClub: LendingClub offers personal loans to borrowers with good to bad credit. Interest rates range from 7.04% to 35.89%, and loan amounts range from $1,000 to $40,000.
- LightStream: LightStream offers personal loans to borrowers with good to excellent credit. Interest rates range from 4.49% to 20.49%, and loan amounts range from $5,000 to $100,000.
- Universal Credit: Universal Credit offers personal loans to borrowers with good to bad credit. Interest rates range from 8.93% to 35.43%, and loan amounts range from $1,000 to $50,000.
- Upgrade: Upgrade offers personal loans to borrowers with good to bad credit. Interest rates range from 5.94% to 35.47%, and loan amounts range from $1,000 to $50,000.
- Upstart: Upstart offers personal loans to borrowers with good to good credit. Interest rates range from 4.81% to 35.99%, and loan amounts range from $1,000 to $50,000.
It is important to note that these are just a few of the many personal loans that are available for facial implants. When choosing a personal loan, it is important to compare interest rates, repayment terms, and other factors to find the best loan for you.
What are facial implants and what are they made of?
Facial implants are medical devices that are inserted into the face to improve or change the appearance of the facial structure. They are made of a variety of materials, including silicone, polyethylene, and Gore-Tex.
The most common types of facial implants include:
- Chin implants: Chin implants are used to increase the size or projection of the chin. They are typically made of silicone or polyethylene.
- Cheek implants: Cheek implants are used to add volume to the cheeks. They are typically made of silicone or Gore-Tex.
- Jaw implants: Jaw implants are used to correct asymmetries or deformities of the jaw. They are typically made of silicone or polyethylene.
- Nasal implants: Nasal implants are used to change the shape of the nose. They are typically made of silicone or Gore-Tex.
How much do facial implants cost?
The cost of facial implants varies depending on the type of implant, the surgeon's fees, and the location of the surgery. In general, the cost of facial implants ranges from $2,000 to $10,000.
Here is a breakdown of the cost of facial implants:
- Implant cost: The cost of the implant itself will vary depending on the type of implant and the material it is made of. For example, silicone implants are typically more expensive than polyethylene implants.
- Surgeon's fees: The surgeon's fees will vary depending on their experience and location. In general, surgeons in major cities charge more than surgeons in rural areas.
- Anesthesia: The cost of anesthesia will vary depending on the type of anesthesia used. General anesthesia is typically more expensive than local anesthesia.
- Other costs: Other costs associated with facial implants may include:
- Hospital fees
- Post-operative care
The total cost of facial implants can be significant, so it is important to factor in all of the costs before you make a decision.
Are there different types of facial implants?
There are 4 most common types of facial implants:
- Jaw Implants: This procedure involves placing an implant between the base of the gum and the cheek to lift and enhance the jawline.
- Cheek Implants: To add cheek implants to the face, the surgeon will go through the inside of the upper lip or through the lower eyelid. A cheek implant will bring more distinction between facial features and enhance the cheekbones.
- Chin Implants: Chin implants are added to the face through the lower lip or the bottom of the chin. This procedure enhances the chin to balance out facial features and improve the overall shape of the face.
- Facial Hair Implants: Facial hair implants involves taking hair from the back of the head, which is the most similar to facial hair, and bringing it onto the front of the face. This is typically done through a process called follicular unit transfer (FUT). Small incisions are made in the desired area, which will determine how the hairs grow, and hairs are then implanted.
Facial implants vs. fillers: What’s the difference?
Facial implants and fillers are both procedures that can be used to improve the appearance of the face. However, there are some key differences between the two procedures.
Facial implants are permanent devices that are inserted into the face to add volume or change the shape of the facial structure. They are made of a variety of materials, including silicone, polyethylene, and Gore-Tex.
Fillers are temporary substances that are injected into the face to add volume or plump up the skin. They are made of a variety of materials, including hyaluronic acid, collagen, and polylactic acid.
Facial implants vs. fillers: Which is better for me?
The best procedure for you will depend on your individual needs and goals. If you are looking for a permanent solution to improve the appearance of your face, then facial implants may be a good option for you. However, if you are looking for a more temporary solution, or if you are concerned about the risks associated with facial implants, then fillers may be a better option for you.
How long do facial implants last?
Facial implants are designed to be permanent, but they can sometimes need to be removed or replaced. The lifespan of a facial implant depends on a number of factors, including the type of implant, the material it is made of, and the patient's individual anatomy.
Silicone implants are the most common type of facial implant and they typically last for a lifetime. However, there have been some cases where silicone implants have been rejected by the body or have migrated out of place.
Polyethylene implants are also a permanent option, but they are less common than silicone implants. Polyethylene implants are less likely to be rejected by the body, but they are also more likely to break down over time.
Gore-Tex implants are a newer type of facial implant that is made of a synthetic material. Gore-Tex implants are designed to be permanent, but they may need to be replaced if they become damaged or infected.
The lifespan of a facial implant can also be affected by the patient's lifestyle. If the patient is active or participates in sports, the implant may be more likely to be damaged or displaced.
If you are considering facial implants, it is important to talk to your doctor about the risks and benefits of the procedure. You should also make sure that you are a good candidate for the procedure.
How can I finance facial implants?
The common methods for financing facial implants are:
- Savings: If you have the money saved up, this is the most affordable option. You will not have to pay any interest, and you will not have to worry about making monthly payments.
- Personal loans: Personal loans are a popular option because they allow you to spread out the cost of surgery over a long period of time. The interest rates on personal loans vary, so it is important to shop around and compare rates before you choose a lender.
- 0% APR credit cards: If you can qualify for a 0% APR credit card, this can be a good way to finance facial implant surgery. You will not have to pay any interest on the balance for a certain period of time, which can save you money.
- HELOC: A home equity line of credit (HELOC) is another option for financing facial implant surgery. A HELOC is a type of loan that is secured by your home. This means that if you default on the loan, the lender can foreclose on 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: If you have a 401(k) plan, you may be able to take out a loan against your retirement savings. This is a relatively low-interest option, but it is important to note that you will have to repay the loan with interest, and this could affect your retirement savings.
- In-house financing: Many plastic surgeons offer in-house financing that allows you to pay for your procedure in installments. This is typically a personal loan with a partner lender, and the money is paid directly to the surgeon. Most in-house financing has good terms, but it is important to compare rates before you choose this option.
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Pros & cons of facial implant financing
- Get the treatment you want now. If you are unhappy with your appearance and you are ready to make a change, financing can help you get the treatment you want now, without having to save up for years.
- Spread the cost into more manageable payments. Financing can help you spread the cost of facial implant surgery into more manageable payments, which can make it easier to afford.
- Leave your savings untouched. If you finance your facial implant surgery, you can leave your savings untouched. This can be helpful if you are saving for other goals, such as retirement or a down payment on a house.
- Can be expensive. The cost of financing facial implant surgery can be expensive, especially if you don't have good credit.
- Other expenses may have to be put on hold. If you finance your facial implant surgery, you may have to put other expenses on hold until the loan is paid off. This could include things like vacations, new cars, or home improvements.
- Financing options may be limited. If you don't have good credit, you may have limited financing options available to you. This could mean that you have to pay higher interest rates or that you have to make a larger down payment.
What credit score do you need to obtain facial implant financing?
The credit score you need to obtain facial implant financing will vary depending on the lender. However, most lenders require a credit score of at least 620. If you have a credit score below 620, you may still be able to obtain financing, but you may have to pay higher interest rates or make a larger down payment.
How to apply for facial implant financing
In order to qualify for affordable financing for your facial implant surgery, you will need to meet the following requirements:
- Credit score of at least 660: Your credit score is a measure of your financial responsibility. Lenders use your credit score to assess your risk as a borrower. A higher credit score indicates that you are a more reliable borrower and are more likely to repay your loan on time.
- Annual income of at least $20,000: Your income is a measure of your ability to repay a loan. Lenders will want to see that you have enough income to cover your monthly payments and other expenses.
- Debt-to-income ratio of no more than 30%: Your debt-to-income ratio is the percentage of your monthly income that goes towards debt payments. Lenders want to see that you have enough disposable income to make your loan payments.
If you meet these requirements, you may be able to qualify for affordable financing for your facial implant surgery. However, it is important to shop around and compare rates from different lenders before you choose a loan.
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