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Tummy Tuck Financing For Good & Poor Credit Near Me

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Best Tummy Tuck Loans Near Me

It’s possible that the desire to look the way you want to feel is sending you on a search to find a way to finance a tummy tuck. With plastic surgery becoming more and more common, we are seeing more ways to help patients afford surgeries. Tummy tuck financing may be offered through some practices, but there are other avenues for financing too, such as personal loans. Understanding how much you need to borrow, and what you might qualify for can help you narrow down financing options that might work best for you. Keep reading as we help you navigate the world of tummy tucks and financing – because you deserve to look and feel your very best. 

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Learn More About Tummy Tuck Financing

What is a tummy tuck?

Tummy tucks are cosmetic surgeries that improve the shape and appearance of the abdomen when successful. Also known as abdominoplasty, these surgeries remove excess skin and fat from the abdomen. Tummy tucks are usually performed to boost body image, but can be driven by major life events that may have impacted your body. Examples include pregnancy, weight changes, or the natural aging process. Alternatively, your natural body type may not be to your liking, and while you are beautiful, if a tummy tuck can boost body image, it might be worth it. Tummy tucks can also be done in combination with other surgeries to make the results look more natural. To determine if a tummy tuck is the right option for you, speak to a trusted doctor. 

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How Much Does a Tummy Tuck Cost?

The cost of a tummy tuck can vary by practice, state, and patient. According to the American Society of Plastic Surgeons, the average cost of a tummy tuck is $7,215. There may be additional fees such as medical testing, anesthesia fees, hospital fees, and other costs associated with a tummy tuck that are not calculated in this average. Furthermore, there are different kinds of tummy tucks, such as a mini tummy tuck or full tummy tuck, which too can impact the cost. You will want to work with a reputable and trusted plastic surgeon of choice, so be sure to shop based on your confidence level rather than the cheapest price. It’s common for practices to offer financing. To explore additional financing options, visit Acorn Finance to check personal loan offers with no impact to your credit score. 

Can you get a loan for a tummy tuck?

If you qualify, you might be able to get a loan for a tummy tuck - and this payment method might be more common than you think. Many practices offer tummy tuck financing because they know there are plenty of patients who need or prefer it. While this is one option, you can also use a personal loan to finance a tummy tuck, and other cosmetic surgeries too. Personal loans are funded as a lump sum and repaid in fixed monthly installments typically. Because personal loans can be offered in amounts as high as $100,000 (depending on credit score), they may come with longer repayment periods compared to other types of tummy tuck financing. While a longer repayment period may impact the total cost of financing, it can help keep monthly payments low. Check personal loan offers for tummy tuck financing at Acorn Finance online with no credit score impact.

Can you finance a tummy tuck with poor credit?

Getting a loan with poor credit, especially a loan that’s several thousand dollars, can come with challenges. Offers are more likely to be returned to borrowers with fair, good, average, or excellent credit. While you can check offers to see if you qualify, you might instead want to check your credit score and identify ways to boost your score before taking out  a loan. Some credit monitoring apps can help you check your credit score as well as identify ways to boost your credit score.

How do most people pay for a tummy tuck?

Since most insurance companies don’t cover tummy tucks, patients are left paying out of pocket. So, now what? A majority of patients finance a tummy tuck. Because they are a more expensive procedure, repayment periods can be longer, resulting in rather reasonable monthly payments. A good starting point is determining how much your tummy tuck will cost and how much you will need to borrow. If you’re embarrassed to discuss payment options at the practice, do so silently at Acorn Finance. Once you know your requested loan amount, you can check offers in minutes and compare offers from top national lenders. If you find an offer you want to use, proceed to the lender of choice. Once approved, the loan can be funded in as little as 1-2 business days, although funding times can vary. With the funds in your account, you can schedule your surgery and pay as if you are a cash customer. 

What credit score do I need to finance a tummy tuck?

Credit score requirements can vary by lender, and they can also vary depending on how much you wish to borrow (and for how long in some cases). Offers are more likely to be returned to borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

Does insurance cover a tummy tuck?

In most all cases, tummy tucks are not considered a medical necessity, and therefore, insurance will not cover them. While you may be so set on getting a tummy tuck, it might not seem elective anymore, through the eyes of insurance it usually is. In pursuit of looking and feeling their best, patients often turn to financing to afford a tummy tuck. The results and overall impact on quality of life is priceless to many. Chase happiness, and don’t let anything stop you. 

Can you put a tummy tuck on a credit card?

While you can use a credit card to pay for a tummy tuck, this might be a costly option. Furthermore, the average cost of a tummy tuck is $7,215 and the average APR on a new credit card is 24.61% - you do the math. Opting for a financing option with fixed monthly payments can make the loan more manageable while keeping loan costs down. While some credit cards do offer promotional financing periods, where consumers can take advantage of a 0% APR, failing to comply with the offer can be costly as well. Carefully consider tummy tuck financing options, and what they require of you to make an educated decision. WIth a personal loan, you will know the fixed monthly payment and repayment period. Pay that amount on-time for the full repayment period, and the loan will be paid in full. It’s as simple as setting the loan on autopay (which you might even get a discount for). If you choose, you can pay a little extra each month to save on interest while paying down the loan faster. At Acorn, our lending partners do not charge prepayment penalties, because we love when you save money. Borrow that money, and repay it as soon as you can.

What are the different options to finance a tummy tuck?

Two main options to finance a tummy tuck include financing offered through the practice or a personal loan.  Let’s compare. 

  1. Financing offered through the practice: Practices usually partner with a lender or financial institution to offer patients financing. This can be a convenient option, but you may be limited on options by going this route. The more offers and options you can compare, though, the better. 
  2. Personal loan: Personal loans are funded as a lump sum and repaid in fixed monthly installments. You may have the ability to borrow more with a personal loan, which can help you afford a tummy tuck or other cosmetic procedure or things you might desire. When you shop personal loans at Acorn Finance, you can check offers from top national lenders in minutes with no credit score impact. With more offers, you have more options at your fingertips. Tuck away the options that don’t serve you and pursue the ones that do. On approved loans, our lending partners can fund loans in as little as 1-2 business days, although funding times can vary.

See also: Plastic Surgery Financing, Cosmetic Surgery Financing

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Still have questions?

How does paying for an engagement ring work?

There are many ways that engaged couples can pay for their engagement ring. Most consumers today still purchase their rings from jewelry stores or department stores, although online shopping is becoming an increasingly popular option for ring shoppers to score good deals.
Aside from using cash upfront from savings or borrowed from loved ones, ring shoppers can take out a personal loan, use credit cards, or even use a home equity loan or line of credit. Many jewelry stores also offer their own in-house financing to customers.
Alternatively, you could use a "Buy Now, Pay Later" type of service such as Affirm or Afterpay. These services often offer instant financing decisions and allow consumers to spread out the cost of their purchase of a few short monthly payments with little to no interest or fees. If you qualify, these services can be one of the best ways to finance a major purchase like a ring.
If you are considering a personal loan for engagement ring financing, you should check offers at Acorn Finance. With no impact on your credit score, you can compare offers and various types of financing. After all, starting your marriage out in a healthy financial spot will benefit you in the long run. The more offers you check, the better chance of finding the best deal you have.

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