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Financing your Plastic Surgery or Cosmetic Procedure

Deciding to have an aesthetic procedure done is a big decision that you have considered for a long time, and for most people, deciding how to finance the procedure—whether it be plastic surgery or a cosmetic procedure—can be an even bigger decision, we understand! Good news, our friendly staff is here to help you learn about the finance options available to you as we strive to make your plastic surgery or cosmetic procedure as affordable as possible and assist you every step of the way to ensure you get the care you deserve.

While it is true that most health care plans do not offer complete coverage for plastic surgery or cosmetic treatments, here at Ranch & Coast Plastic Surgery we accept different payment types as well as offer four convenient financing options through different providers to meet your individual needs. Our goal is to provide the most financial flexibility to allows our patients a range of options in order to accomplish your aesthetic goals. Let us make it easy for you!

Did you know that most people need help financing their medical aesthetic procedures? You’re not alone! Our friendly staff can help you get started and are always available to answer your questions, simply call us at 858.450.1555.

Care Credit

This company allows you to begin your treatment or procedure immediately, then pay for it over time with low monthly payments that conveniently fit into your monthly budget. There are a full range of payment plans for treatment or surgical fees up to $25,000. Currently 6 month 0% financing and 24 or 36 months at 14.90% APR are available.

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This company also allows you to begin your treatment or procedure immediately, then pay for it over time with low monthly payments that conveniently fit into your monthly budget. They currently offer payment plans for treatment or surgical fees up to $25,000. Currently 6 month 0% financing and 24 or 36 months at 14.90% APR are available.

Apply Now


This company has a very fast approval process and the funds are then direct deposited into your account within 4 to 5 business days. The rates are based on your credit and start at 6.49%. They offer many different terms.

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Did you know that you can…

  • Use your credit the same day you get approved.
  • Finance any of our MedSpa Treatments or Cosmetic Surgical procedures.
  • Pay a deposit to help keep your monthly payment down.
  • Finance full or partial procedure costs.
  • Get approved in 60 seconds!

We offer four different credit financing options at the following rates:

  • six Months, No Interest
  • 24 Months, 14.9% APR for amounts $1,000 and above
  • 36 Months, 14.9% APR for amounts $1,000 and above

It’s easy to apply in just three steps:

  • Click the financing option of your choice
  • Complete the easy credit application
  • Get approved in 60 seconds

Payment Options

We accept a variety of payment options to better accommodate your needs for the final out-of-pocket cost of your procedure, including cash, personal check (only accepted three weeks prior to surgery date), Visa, Discover, Mastercard and American Express.

Medical Financing Options

Financing is a convenient way to pay for your plastic surgery or cosmetic procedure.  Exact costs vary from patient to patient depending upon the type of procedure, extent of the procedure, number of procedures and duration of anesthesia required. To assist you in getting an estimate* on costs, we encourage you to check out what your monthly payments might be like for any procedure you may be considering. Here’s a calculator:

*Please note, the calculator tool results are only estimates and are not taking your credit score into consideration. Your personal monthly payments and interest rates will be based on your personal credit score and the information you provide on the credit applications for the finance provider of your choice.

Three Easy Steps to get Started

  • Contact Us—we can help you select a program to match your desired financing need
  • Apply Securely Online—just click on the financing company logo of your choice below to apply now
  • Once Approved, Schedule Your Procedure—call us at 858.450.1555 to book your appointment and get ready to enjoy your new look.

If you prefer, you can contact us and one of our friendly staff members will assist you with completing the credit application.

Find Your Best Financing Solution

Medical Credit Cards

Medical credit cards, such as CareCredit and Alphaeon, are available for paying for plastic surgery. These cards offer payment plans, standard APR interest, and often no annual fee. These cards are limited to covering medical expenses only.

Regular Credit Cards

With the benefits of a medical credit card, a regular credit card is also a good plastic surgery financing option, especially if you have a low-interest credit card and receive cash bonuses for purchases. Introductory periods that offer 0% interest for new credit applications are also an attractive bonus.

Bank Loan

A personal loan from your bank can help with plastic surgery financing. Banks usually have fixed interest rates that are much lower than medical credit cards or traditional credit cards. A bank loan can also boost your credit status with your bank, making it easier to qualify for larger loans in the future; e.g. car loan, home loan, etc.

401K Loan

Most 401K accounts allow investors to borrow against the vested balance. Repayment for cosmetic surgery financing can be set up for automatic withdrawal from your paycheck based on the payment plan you set up. The bonus of a 401K loan is that it offers low interest rates, and has no impact on your credit rating.

Financial Gifts from Family and Friends

If you need financial help paying for plastic surgery, sometimes it’s best just to ask for it. Friends and family can contribute towards your plastic surgery expenses through a designated plastic surgery financing account. The benefits of this kind of financing are many: You personally don’t have to finance anything, your credit will not be affected, and those close to you will feel a sense of satisfaction that they helped you obtain something that was important to your wellness, beauty, and peace of mind.

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