Every competing page names CareCredit without disclosing actual terms. Here are the real numbers, plus how combining procedures affects the total you're financing.
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 and CareCredit data, verified against city-level pricing · 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.
Combining procedures into one surgery genuinely reduces your total facility and anesthesia charges compared to doing them as separate surgeries, since those fees are largely shared per-surgery rather than per-procedure. The exact savings depend on which procedures you combine — ask your surgeon for a bundled quote.
PlasticSurgeryCostCalc