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If you’d rather do just about anything other than wear shorts in public because your thighs make you feel so insecure, a thigh lift may be the procedure you need to have a better relationship with your body and feel more confident in your own skin. A thigh lift isn’t a cheap procedure, and so you’ll likely need to consider thigh lift financing to fund your surgery.

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What does a thigh lift do?

A thigh lift, also known as thighplasty, is a cosmetic surgical procedure designed to improve the appearance of the thighs by removing excess skin and fat, tightening the underlying tissues, and enhancing the contours of the thighs. It is commonly performed to address concerns such as loose, sagging skin, excess fat deposits, or poor thigh shape due to aging, weight loss, or genetics.

Types of thigh lifts

Thigh lift surgery can help achieve firmer, more youthful-looking thighs with improved proportions and contours. Below are the types of thigh lifts:

  1. Inner thigh lift: Targets the inner thigh area to remove excess skin and fat and tighten the underlying tissues. It is particularly beneficial for individuals with significant skin laxity in the inner thigh region.
  2. Bilateral thigh lift: Addresses both the inner and outer thighs. It involves incisions made along the groin crease and may extend to the buttocks or hip region.
  3. Medial thigh lift: Focuses on the upper inner thigh region. The incision is typically made along the groin crease, allowing for removal of excess skin and fat from the upper portion of the thigh.
  4. Vertical thigh lift: Primarily targets the upper thigh and outer leg. It involves an incision from the groin area down to the knee, allowing for significant tissue repositioning and skin tightening.

What is thigh lift financing?

Thigh lift financing refers to the various options available to help individuals cover the cost of a thigh lift procedure. Cosmetic surgeries like thigh lifts are typically not covered by insurance unless they are medically necessary, so many people explore financing options to manage the expenses associated with the surgery.

How does thigh lift financing work?

Most thigh lift financing comes in the form of a personal loan. This is where you apply for a lump sum amount which, once approved, is deposited into your bank account for you to use as you please. You then pay the loan back (plus interest) via weekly or monthly installments over a fixed term (typically 2-5 years).

How much does a thigh lift cost?

The cost of a thigh lift can vary significantly depending on several factors, including the geographic location, the surgeon's experience and reputation, the extent of the procedure, the specific technique used, the facility fees, and other associated expenses. It's important to note that the following cost estimate is a rough average and can vary widely.

In the United States, the cost of a thigh lift can range from approximately $5,000 to $15,000 or more. This estimate typically includes the surgeon's fee, anesthesia fees, facility fees, post-operative garments, and follow-up appointments. However, additional costs such as pre-operative medical evaluations, prescription medications, and laboratory tests may not be included in this estimate.

It's essential to consult with a board-certified plastic surgeon to get an accurate cost estimate based on your specific needs and location. The surgeon can evaluate your case, discuss your goals, and provide you with a personalized quote that takes into account all the necessary factors.

Who is a candidate for a thigh lift?

Candidates for a thigh lift are typically individuals who have concerns about the appearance of their thighs due to excess skin, sagging tissue, or stubborn fat deposits. Here are some factors that may make someone a suitable candidate for a thigh lift:

  1. Excess skin and tissue: Candidates often have loose or sagging skin on their thighs, which may be a result of significant weight loss, aging, or genetic factors. This excess skin cannot be effectively addressed through exercise or non-surgical treatments.
  2. Stable weight: It is generally recommended that candidates have a stable weight within a healthy range. Fluctuations in weight can affect the results of the thigh lift surgery, so it is important to be close to your target weight before considering the procedure.
  3. Good overall health: Candidates should be in good general health, free from any medical conditions that could increase the risks associated with surgery. It's important to disclose your complete medical history, including any medications, to your plastic surgeon during the consultation.
  4. Realistic expectations: Candidates should have realistic expectations about the outcomes of a thigh lift. It's important to understand that while the procedure can improve the appearance of the thighs, it will not achieve perfection or drastically change body proportions.
  5. Non-smokers: Smoking can interfere with the healing process and increase the risk of complications during and after surgery. Candidates are typically advised to quit smoking for a certain period before and after the procedure.
  6. Commitment to post-operative care: Recovery after a thigh lift requires adherence to post-operative instructions, including wearing compression garments, avoiding strenuous activities, and following proper wound care. Candidates should be willing to commit to these requirements to ensure optimal healing and results.

How long does a thigh lift last?

The longevity of a thigh lift's results can vary depending on various factors, including the individual's lifestyle, genetics, aging process, and overall health. While a thigh lift can provide long-lasting improvements, it's important to note that the natural aging process will continue, and some changes may occur over time.

Generally, a thigh lift procedure aims to remove excess skin and fat from the thighs, resulting in a firmer and more contoured appearance. The results can be quite significant and may last for many years. However, it's essential to maintain a healthy lifestyle, including regular exercise and a balanced diet, to help preserve the outcomes of the thigh lift.

Will a thigh lift reduce cellulite?

Yes, it often does. A thigh lift can reduce the appearance of cellulite or even eliminate it altogether, though you may want to talk to your surgeon about also having liposuction if you want to significantly change the shape of your thighs.

Will health insurance pay for a thigh lift?

In general, health insurance does not typically cover the cost of a thigh lift or any other cosmetic procedure that is considered elective or primarily performed for aesthetic purposes. Thigh lifts are usually considered cosmetic surgeries rather than medically necessary procedures.

What kind of results can I expect from a thigh lift?

A thigh lift is a surgical procedure aimed at improving the appearance and contour of the thighs by removing excess skin and fat. The specific results can vary depending on individual factors such as your body type, skin elasticity, and the surgical technique used. Here are some general expectations regarding the results of a thigh lift:

  1. Improved thigh contour: A thigh lift can address sagging or loose skin in the thigh area, resulting in a smoother, firmer, and more toned appearance. The procedure can create a more defined contour along the inner or outer thighs, depending on your specific needs and goals.
  2. Reduction of excess skin and fat: The primary goal of a thigh lift is to eliminate excess skin and fat that may be resistant to diet and exercise. By removing these tissues, the thighs can appear slimmer and more proportionate to the rest of the body.
  3. Enhanced body proportion: Thigh lifts can help improve the overall balance and symmetry of your body. If you have lost a significant amount of weight or experienced changes due to aging or pregnancy, a thigh lift can restore harmony to your body proportions.
  4. Increased self-confidence: The aesthetic improvements achieved through a thigh lift can enhance your self-image and boost your self-confidence. Many individuals report feeling more comfortable wearing certain clothing, such as shorts or swimsuits, after a thigh lift.

How can I finance a thigh lift?

The best ways to finance a tummy tuck are:

  • Savings & Assets: it’s always best to consider using your savings and investments first before you consider borrowing, since it will be the cheapest way to fund your thigh lift.
  • Personal Loans: a personal loan is usually the best choice for someone looking for thigh lift financing, as it allows you to spread the cost over a fixed period and you can either borrow just enough to top up your own funds or borrow the entire amount. Interest rates are generally 6-20% and terms are 2-5 years.
  • 0% APR Credit Cards: If you can get a 0% APR card with a long introductory period you can use it to cover some or all of the cost of your surgery and pay no interest for spreading the cost. You just need to make sure you pay off the balance or do a balance transfer before the introductory period ends or you may get burned.
  • HELOC: A Home Equity Line of Credit gives you access to a line of credit you can use as and when necessary, secured against your home. These generally have higher credit limits and lower interest rates but are secured on your home, so do come with an element of risk. Like a credit card, you only pay interest on the money you borrow, not the entire credit limit.
  • 401(k) Loan: If your 401(k) plan allows loans, you can consider using it to fund your surgery. You can use up to 50% (or a maximum of $50,000) of your account balance as a loan and pay it back over a term of about 5 years. You don’t need a credit check and there is no interest to pay, but there can be some long-term implications, so make sure you read the terms and conditions carefully.
  • In-House Financing: You can often get in-house financing from your cosmetic surgeon. Most in-house options are through a partner lender and are actually a personal loan (the only difference is the money is paid directly to the surgeon instead of your bank account) so make sure you compare rates and options with alternative lenders to ensure you’re making the right decision for you.

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Pros & Cons of Thigh Lift Financing


  • Stop feeling ashamed of your thighs and feel comfortable in your own skin
  • Get surgery now, rather than waiting and saving
  • Keep your savings and investments intact
  • Spread the cost


  • You may need to put other big life decisions on hold until you’ve paid off the loan
  • Financing options are often too expensive for those with fair or poor credit

What credit score do you need to obtain thigh lift financing?

The specific credit score required to obtain financing for a thigh lift can vary depending on the financing provider or institution. Different lenders may have their own credit score requirements and eligibility criteria. However, in general, higher credit scores are more likely to result in better financing terms, including lower interest rates and more favorable repayment terms.

To qualify for financing, including medical loans or credit cards, it is typically beneficial to have a good credit score. A good credit score is generally considered to be in the range of 670 or higher, according to the FICO credit scoring model, which is commonly used by lenders. However, it's important to note that credit score requirements can vary among lenders, and some may offer financing options to individuals with lower credit scores as well.

How to qualify for thigh lift financing

To qualify for thigh lift financing, follow these general steps:

  1. Check your credit score: Ensure your credit score is in good standing, ideally 670 or higher, as this can increase your chances of qualifying for favorable financing terms.
  2. Research financing options: Explore different lenders or institutions that offer medical financing. Look for options specifically tailored to cosmetic procedures or elective surgeries.
  3. Gather necessary documents: Prepare the required documents, such as proof of income, identification, and any additional documentation requested by the financing provider.
  4. Compare terms and interest rates: Evaluate multiple financing options to compare interest rates, repayment terms, and any associated fees. Choose a financing plan that suits your budget and preferences.
  5. Apply for financing: Complete the application process with your chosen financing provider. Provide accurate and thorough information to improve your chances of approval.
  6. Await approval: Wait for the lender's decision. If approved, review the loan terms carefully, including interest rates, repayment period, and any conditions.
  7. Proceed with the thigh lift: Once approved for financing, schedule your thigh lift procedure with a qualified plastic surgeon and follow their guidance regarding the payment process.

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