Liposuction Financing Options

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    Liposuction Financing Options: The Benefits of PowerPay

    If you’re considering liposuction, you may be wondering how to pay for it. The good news is that there are a variety of financing options available, including credit cards, personal loans, and healthcare loans. 

    What is a liposuction procedure?

    Liposuction is a cosmetic surgery procedure that removes excess fat from specific areas of the body. It can be used to improve contours and achieve a more proportionate appearance. 

    Liposuction is often considered an elective procedure, meaning that it’s not medically necessary. 

    What are the reasons to get liposuction?

    People choose to get liposuction for a variety of reasons. Some people want to improve their appearance and feel more confident. Others want to address specific concerns, such as excess fat in the thighs or abdomen.

    Does medical insurance cover the cost of liposuction?

    Since liposuction is considered an elective procedure, most medical insurance plans will not cover the cost. There are some exceptions, however. For example, if liposuction is being performed to treat a condition called gynecomastia (enlarged male breasts), it may be covered by insurance.

    What is the typical cost of liposuction?

    The price of liposuction can vary depending on a number of factors, including the age of the patient, the geographic location of the procedure, surgeon selection and fees associated with the surgery. However, in general, liposuction procedures start at around $3,500.

    How can I pay for liposuction?

    There are a few different ways to finance liposuction, including credit cards, personal loans, and healthcare loans. However, not all of these options are created equal. Let’s take a closer look at each:

    Credit Cards – Credit cards are a popular way to finance liposuction because they sometimes offer relatively low-interest rates and no-interest promotional periods. However, credit card debt can be difficult to manage if you don’t stick to your budget.

    Personal Loans – Personal loans are another popular option for financing liposuction. They typically offer lower interest rates than credit cards and can be easier to manage if you have a set repayment schedule.

    Healthcare Loans Healthcare loans are specifically designed to finance medical procedures like liposuction. These loans usually offer competitive interest rates and flexible repayment options.

    Industry best program

    Up to 72 month terms, rates 9.99% to 12.99%
    and max loan of $35,000

    Streamlined process

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    create a fast, easy flowing process

    No prepayment penalties

    Pay off part or all of the loan at any time
    with no fees

    Additional Plastic & Aesthetic Procedure and Service Financing Options


    A major surgery that removes excess skin and fat from the abdomen, and tightens muscles

    Body Contouring CoolSculpting

    Also known as Cryolipolysis, this is a body contouring method that targets stubborn fatty tissue by freezing it

    Breast augmentation

    Also known as augmentation mammaplasty, this is breast enlargement by surgery

    Eyelid surgery

    Also known as blepharoplasty, this is a cosmetic surgery to remove excess skin or fat from the eyelids


    Also known as rhytidectomy, this is a cosmetic surgical procedure to create a younger appearance in your face

    Mini facelift

    A modified version of a traditional facelift where small incisions are used around your hairline to help lift the lower half of your face to help correct sagging skin

    Mommy makeover

    A specialized combination of body contouring procedures performed together to improve the physical changes that linger long after pregnancy

    Nose job rhinoplasty

    Surgery on the nose to change its shape or improve its function

    Cosmetic surgery

    The process of reconstructing or repairing parts of the body by the transfer of tissue for cosmetic reasons

    Reconstructive surgery

    A procedure that restores the body after an injury, a disease, or it corrects defects you were born with

    Skin Tightening

    The improvement of skin laxity and crepiness of the skin

    Tummy tuck

    A surgical procedure to correct the apron of excess skin hanging over your abdomen

    Calculate your plastic or cosmetic surgery monthly loan payment

    Term (In Months)

    Annual Percentage Rate

    What are the benefits of financing with PowerPay?

    One of the major benefits to working with PowerPay as opposed to other elective healthcare procedure financing partners is that at PowerPay, we only perform a soft credit pull. That means that your credit score will never be impacted by applying for our loans.

    Another benefit of PowerPay is the low APRs, starting at 8.99%, and no prepayment penalties or deferred interest on any loan so you’ll never accrue additional costs if you pay your loan in full early.

    At PowerPay, we also offer a simple and straightforward application process with the help of a customer service team available so that you can get answers to your questions and the money you need quickly and easily.

    How does the loan application and disbursement process work with PowerPay?

    Applying for a PowerPay loan is easy. You can apply right in your doctor’s office or online and fill out basic information about yourself. Your doctor may also provide you a link to their customized application.

    From there you will upload a treatment plan, and driver’s license and sign loan documents. Once your loan is approved, the money will be sent directly to your medical provider so that you can use it to pay for your liposuction procedure.

    Save Time.

    2-minute application, instant decisions, electronic docs

    Save Money.

    with low rates and longer terms, you get the lowest monthly payment

    Be Happy!

    stop waiting to improve your life – buy now and pay over time


    Liposuction Financing FAQ

    Can you finance liposuction?

    You can finance liposuction, but you may need to provide a down payment.

    Liposuction is a cosmetic procedure that removes fat from the body. It’s not considered medically necessary, so most insurance companies won’t cover it. However, many plastic surgeons offer financing options that allow patients to pay for the surgery in installments.

    You’ll likely need to provide a down payment when you finance liposuction. The interest rate may be higher than what you’d pay for other cosmetic procedures, but it’s still likely to be cheaper than paying for the surgery outright.

    How do you finance liposuction?

    This depends on the surgeon. Some surgeons offer financing, while others do not. In most cases, a down payment is required and the remainder of the cost is spread out over a period of time. You will also likely need to provide proof of income and/or credit history in order to qualify for financing.

    What are the typical costs associated with liposuction surgery?

    The typical costs associated with liposuction surgery can vary depending on the area or areas being treated, the surgeon performing the procedure, and the geographic location. For example, a small-area liposuction may cost between $1,500 and $3,000, while a full body lift can cost upwards of $20,000. Appointments with a surgeon to discuss the procedure should be budgeted for as well–expect to pay around $200-$300 for an initial consultation.

    Additionally, there are other potential costs associated with liposuction that should be considered. These can include post-operative care (such as compression garments which may need to be worn for some time after surgery), prescription medications to manage pain and swelling, and laboratory tests which may be required before surgery.

    How long does it typically take to get approved for a liposuction loan?

    The time it takes to get approved for a liposuction surgery loan will depend on a number of factors, including your credit history and income, the loan amount you are seeking, and the requirements of the lender. In general, online lenders approve loans in as little as 60 seconds and as long as fewer than 72 hours of receiving an application. Other brick-and-mortar lenders may take longer.

    Can I finance liposuction through my health insurance plan?

    In most cases, it is not possible to finance liposuction surgery through your health insurance plan. Most health insurance plans do not cover cosmetic procedures such as liposuction because they are considered to be elective or non-essential treatments. Some health insurance plans may only reimburse for certain types of liposuction procedures, such as those performed for medical reasons such as the treatment of lymphedema.

    It’s always a good idea to check with your health insurance provider to see if they offer any benefits for liposuction procedures. If not, you may be able to use your health insurance plan to cover the costs of post-operative care, such as compression garments or prescription medications.

    Financing Liposuction with PowerPay FAQ

    For answers to top questions asked about PowerPay financing, visit our borrower PowerPay FAQ.