Plastic Surgery Financing

How medical financing works

Medical financing typically takes the form of a personal installment loan. A patient applies with a third-party lender (such as HEVA Financial Services or other medical-specialty lenders), is evaluated based on credit history and income, and — if approved — receives funds that are paid to the medical provider. The patient then repays the lender over a fixed term, with interest.

Cross-border patients should confirm in writing that a lender will fund procedures performed outside the patient's home country. Not all medical lenders do.

Monthly payment examples

Illustrative monthly payments for fixed-rate installment loans at common APRs. Actual offers depend on your credit profile, lender, and prevailing rates. These figures are for educational planning only.

Calculation: standard amortization formula. Does not include lender origination fees, late fees, or insurance. Always review the lender's Truth in Lending disclosure before signing.

Budget planning checklist

• • Itemized written quote from the surgical team (surgeon, anesthesia, hospital, garments, follow-up)
• • Travel costs (flights, ground transportation, border crossing)
• • Recovery accommodation (1–14 nights depending on procedure)
• • Companion travel costs (recommended for most major procedures)
• • Prescription medications and supplies
• • Time off work (lost income)
• • Contingency reserve (recommended 10–20% of procedure cost) for unexpected needs

Questions to ask any lender

• • What is the APR — not just the monthly payment?
• • Is there a prepayment penalty?
• • Are there origination, application, or late fees?
• • Will you fund procedures performed outside the United States?
• • What happens to my obligation if the procedure is canceled or postponed?
• • Will you perform a soft or hard credit pull during pre-qualification?

Frequently asked questions