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Your journey to a happier, more confident life starts with a private, in-depth consultation with your surgeon, where we learn about you and your vision and goals. Discover San Antonio’s premier clinic for plastic surgery.
Financing
Can I Finance my Surgery?
Many patients investigate financing options when considering cosmetic procedures. At Hill Country Plastic Surgery, we can help you decide whether a medical credit card, personal loan, zero-interest credit card, or other option is best for you. Below are some options available to you through our practice.
Financing Options
Buy Now. Pay Monthly
Easily break down substantial expenses into smaller, monthly payments through Cherry. Select from a range of payment plans, including options multiple monthly payment plan options some of which come with qualifying 0% APR possibilities.
For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. 0% APR and other promotional rates are subject to eligibility.
Experience the convenience of autopay and round-the-clock access to Cherry's user-friendly patient portal. This empowers you with diverse payment methods and full control over managing your payments.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: https://withcherry.com/lending-partners.
Interested in applying for Cherry?
Medical Credit Cards
Care Credit is a medical credit card that is used for only medical related expenses. It involves a straightforward and easy application process. These cards are just like any other credit card. You will have to pay interest on your accrued balance and will have a minimum due each month.
CareCredit has a 0% introductory offer for a specified period. This allows you to pay for your surgery without additional interest payments.
When looking at the options that CareCredit has to offer, be aware that rates can be as high as 26.99%.
Interested in applying for CareCredit?
Medical Financing or Personal Loans
With the Alphaeon Credit card*, you'll find a wide array of monthly payment options to help you reach your individual goals — including special financing not available with other credit cards.
The Alphaeon Credit card lets you move forward with the care your physician recommends without delay, with flexible payment options that fit your lifestyle.
Apply today so you can focus on looking, feeling, and being your best.
*Terms and conditions apply. Financing subject to credit approval.
Flexible, Stress-Free Financing with PatientFi
We partner with PatientFi to offer easy monthly payment plans with no hard credit check and a 30-second mobile application. Once approved, you can use your funds across your entire treatment journey, including procedures, medications, and out-of-pocket costs, without ever needing to reapply.
- Soft credit check only – no impact to your credit
- Apply digitally in 30 seconds – get an instant decision on your phone
- Loan amounts up to $50,000
- Zero interest APR plans available
- Extended terms up to 84 months
- No hidden fees or deferred interest traps
- Fixed monthly payments – budget-friendly and predictable
Health Savings Accounts
There are a few HSA’s (Health Savings Accounts) that will allow you to use your funds for cosmetic surgery. You would need to speak with your HR department or call your HSA provider directly and determine their rules/restrictions. Some companies require receipts for everything you spend. If it will not cover the actual surgery, it may cover other services like pre-op testing (often done in the hospital or facility in which your surgery is taking place), medications, and supplies you may need.
0% Interest Major Credit Card
A major credit card (Visa, Mastercard) with a zero percent APR promotion can be used to pay for surgery. As long as the card is paid off prior to the end of the introductory period, this can be a good way to avoid additional interest payments.
Take-Aways
- Always read the fine print
- Know your APR, what will be charged to you, and for how long you have that rate.
- Programs will run promotions throughout the year.
- If you can pay cash for the procedure, you may be eligible for discounts and avoid financing fees.
