Every competing page names CareCredit or Alphaeon without disclosing actual terms. Here are the real numbers.
Deferred interest applies retroactively to the full balance if not paid in full within the promo window.
Deferred interest applies retroactively to the full balance if not paid in full within the promo window.
Approximate — CareCredit's own extended fixed-payment plans run 17.90% APR (24mo) / 18.90% APR (36mo); rate shown here is a blended estimate across CareCredit and alternative lenders (PatientFi, Alphaeon, Sunbit, personal loans, 6–36% APR by credit).
These are illustrative monthly-payment estimates, not loan offers. Actual terms depend on the lender and your credit profile — CareCredit, PatientFi, Alphaeon Credit, and Sunbit are among the financing partners most commonly accepted by cosmetic-surgery practices.
Based on ASPS, CareCredit, and RealSelf data · Last checked August 2026 · Full methodology →
CareCredit offers 0% APR promotional financing for 6, 12, 18, or 24 months if the balance is paid in full within the promo window. If it isn't, deferred interest applies retroactively to the entire original balance — not just the remaining amount. Beyond the promo tiers, CareCredit's extended fixed-payment plans run 17.90% APR (24 months) or 18.90% APR (36 months).
Practices commonly also accept PatientFi, Alphaeon Credit, and Sunbit, or a personal loan — APR on these typically ranges 6–36% depending on your credit profile. Compare the total cost of financing (not just the monthly payment) before committing to whichever option a practice offers you at consultation.
Many practices charge a $50–$125 consultation fee that's credited toward the procedure cost if you book — ask upfront whether this applies, since it changes the effective total you're financing.
CareCredit offers 0% APR promotional financing for 6, 12, 18, or 24 months if the balance is paid in full within the promo window. Outside the promo period, or on their extended fixed-payment plans, interest applies at 17.90% APR (24 months) or 18.90% APR (36 months).
Deferred interest applies retroactively to the entire original balance, not just the remaining amount — this is the single most misunderstood term in medical financing. Plan to pay off the balance before the promo window closes.
Practices commonly also accept PatientFi, Alphaeon Credit, and Sunbit, or a personal loan. APR on these alternatives typically ranges 6–36% depending on your credit profile — compare the total cost of financing, not just the monthly payment.
It depends on the practice. Many charge a $50–$125 consultation fee that's credited toward the procedure cost if you book — ask upfront whether this applies, since it changes the effective total you're financing.
PlasticSurgeryCostCalc