Can You Afford Plastic Surgery? (Updated 2025)

Many patients find that plastic surgery is more affordable than they initially think, thanks to financing options, medical credit cards, and savings plans. If you don’t have the full amount in cash, a monthly payment plan—similar to a car or home loan—can help you manage costs without tying up your available credit. While saving up is always an option, many patients prefer to move forward sooner to enjoy the benefits of their new look now. So, can you afford plastic surgery? The answer is usually YES!

Remember: Safety First

Financing your procedure is a better choice than buying surgery with price as the primary factor; your safety and results depend on a qualified surgeon. So while plastic surgery can be expensive, you don’t want a surgeon cutting corners on your cosmetic surgery in San Diego or anywhere. Do your research and don’t opt for surgery unless you can verify the certifications of the surgeon and anesthesiologist, as well as the accreditation of the facility.

Financing for Cosmetic Surgery

It doesn’t matter whether you’re seeking breast augmentation or a complete mommy makeover. Financing is often available for any surgical procedure. The reason plastic surgery financing is attractive is because the interest rates are typically lower than credit cards. Depending on your credit history, your rate can be as low as 6%. Some programs are even interest-free. Comparatively, credit card rates are often 15 to 18%.

Financing works best when you plan for it. The more money you can put down, the better interest rate you may find for your loan. The finance period can be anywhere from 6 to 60 months, and your monthly payment can be as low as $100 to $200. Financing, therefore, makes San Diego plastic surgery affordable for most people.

Easy Payment Calculator

The financing page on our website has a handy payment calculator that gives you an idea what your monthly payment might be, given a few variables.

Why Financing at LJC Is Easier

Many cosmetic surgery centers now offer financing for patients who can’t pay the cost of plastic surgery up front. La Jolla Cosmetic Surgery Centre (LJC) takes the concept one step further, actively guiding you to the best financing plan for your needs. Our staff help you through the process, step by step.

In addition, LJC makes the application process itself easier than ever. We provide a single, secure application for you to enter your information just once—even if you need to submit your information to an alternate lender.

Remember, your first step is a consultation with one of our board certified plastic surgeons. You can get ballpark estimates for plastic surgery costs on our website, but we’ll provide an exact quote during your free personal consultation.

So why wait? If you’ve been thinking about cosmetic surgery, request your free consultation or call us at (858) 452-1981 to learn not only how to reach your aesthetic goals, but also how to pay for it. We will work with you to find a budget that makes sense for you.

This post was originally written in September 2011 and has been updated.