Financing Options
Making beauty, wellness, and empowerment more accessible to all our patients is one of our key goals at Optimal Plastic Surgery. This is why we are proud to offer a wide range of lenders to finance your cosmetic procedures so that you can find the best option without the hassle.
Each of our financing partners offers easy credit checks that won’t impact your credit score.
CareCredit®
CareCredit® is the most popular of these credit cards and offers the following benefits:
- Zero interest – CareCredit® provides a promotional short-term, zero-interest plan for purchases of $200 or more. You can take up to 24 months (two years) to pay your bill without being charged interest, as long as you make the minimum payments on time and don’t carry a balance past the payment in full due date.
You can also choose shorter terms of 6, 12, or 18 months.
- Low interest – Reduced APR options are available for longer-term financing payments that extend for 24, 36, 48, or 60 months. Depending on the term length, these rates range from 14.90% to 17.90%.
Facts to consider about zero-interest and low-interest options:
If regular payments are not made, or payment in full is not received within the agreed-upon time limit, your terms will revert to straight interest rates as high as 26.99% or more and are typically retroactive to the original date of purchase.
If you are sure you can repay the cost of your procedure within two years, it’s best to choose the zero-interest rate, but if there is a chance that you will carry a balance past that time, select a longer-term, lower-interest rate option.
CareCredit® considers applicants with a credit score of 620 and over.
ALPHAEON® CREDIT
Like CareCredit®, ALPHAEON® offers promotional zero-interest financing and low-interest options:
- Zero interest: A subtle difference between ALPHAEON® and CareCredit® is their 0% APR promotional offer and minimum purchase requirements of $250 for six months and $500 for 12, 18, and 24 months.
- Low interest: ALPHAEON® offers a 14.99% APR for 24, 36, or 48 months on purchases of $1,000 or more and up to 60 months on purchases over $2,500.
Minimum payments must be paid on time each month for both financing options, and promotional rates are only valid for single transactions.
Penalties for carrying a balance past the promotional term include an APR of 28.99% being charged from the original purchase date. ALPHAEON® considers applicants with a credit score of 640 and over.
Have Questions
About Financing at Optimal Plastic Surgery?
Our knowledgeable team is ready to help you with any questions or concerns regarding financing your cosmetic surgery or aesthetic treatment at Optimal Plastic Surgery. Call us today at (657) 444-9291 to talk to a team member and get started.