Healthcare Loans
for Medical spa

Low Interest  Ι  Fixed Terms  Ι  Personal Loan

Checking your rate will not affect your credit score

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Financing for Medical Spa Treatments

Medical spa treatments are often seen as a luxury, but they can be essential for maintaining your health and well-being. Unfortunately, these treatments can be expensive, and many people don’t have the money to pay for them out of pocket. In this blog post, we’ll explore some of the options available for financing medical spa treatments. We’ll also discuss the pros and cons of each option so that you can make an informed decision about how to finance your treatment.

What are medical spas?

Medical spas, also known as medi-spas or medspas, are medical facilities that provide spa-like treatments. Services offered at medical spas can range from non-invasive cosmetic procedures to more invasive ones. Examples of medical spa treatments include botox injections, laser hair removal, and microdermabrasion.

Why would someone receive treatment from a medical spa?

There are many reasons why someone might want to receive medical spa treatments. Some people may want to improve their appearance, while others may be trying to treat a medical condition. For example, medical spas can offer treatments for acne, wrinkles, and cellulite.

Does insurance cover medical spa treatments?

The answer to this question depends on the insurance company and the type of treatment being received. Some insurance companies may cover medical spa treatments if they are deemed medically necessary. However, most medical spa treatments are considered cosmetic and are not covered by insurance.

What do medical spa treatments cost?

The cost of medical spa treatments can vary depending on the type of treatment being received, the geographical location, and the provider. For example, a medical spa treatment such as botox may cost anywhere from $300 to $600 per session. Microdermabrasion treatments typically cost between $100 and $200 per session.

How can medical spa treatments be paid for?

There are a few different ways that medical spa treatments can be paid for. In some cases, medical spas may accept payment out of pocket. Other times, medical spas may offer financing options, such as lines of credit, credit cards, or personal loans.

Industry best program

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

Streamlined process

Instant Decisions of Electronic loan documents
create a fast, easy flowing process

No prepayment penalties

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

Medical Spa Services

Acne treatments

Treatments to inhibit sebum production, limit bacterial growth, encourage shedding of skin cells to unclog pores, and block male hormones in the skin

Age spots

Small, flat dark areas on the skin that vary in size and usually appear on areas exposed to the sun, such as the face, hands, shoulders and arms

Body sculpting

A medical or surgical procedure that aims to reshape an area of the body

Chemical peels

A procedure in which a chemical solution is applied to the skin to remove the top layers. The skin that grows back is smoother


A fat-freezing method that aims to get rid of stubborn fat in certain parts of your body

Hair replacement

A procedure in which encroaching baldness is surgically reversed using scalp-lifting procedures, scalp reduction, and tissue expanders

Hair Restoration

A hair loss treatment that helps people who are balding

Injectables and Fillers

A soft tissue filler injected into the skin at different depths to help restore a smoother appearance

IPL/ Laser treatments

Treatments that use intense, narrow beams of light to cut and destroy tissue, such as cancer tissue

Laser hair removal

A medical procedure that uses a concentrated beam of light (laser) to remove unwanted hair

Laser resurfacing and light therapy

Treatments to reduce facial wrinkles and skin irregularities, such as blemishes or acne scars

Microdermabrasion and Micro Needling (PRP)

Skin care procedures that are used to help treat cosmetic and medical skin conditions

Spider and varicose vein treatments

The injection of a solution into the vein to improve the appearance of treated varicose and spider veins

Tattoo Removal

Removal of a tattoo, as with the use of lasers to destroy the ink itself

Calculate your monthly loan payment

Term (In Months)

Interest Rate

What are the benefits of financing medical spa treatments?

There are a number of benefits to financing medical spa treatments. One benefit is that it allows people to pay for treatment over time, rather than all at once. Financing also often comes with flexible payment options and low interest rates. Additionally, many medical spas offer financing through third-party companies, which can provide additional consumer protections, such as soft credit pulls and no prepayment penalties.

How does PowerPay work?

PowerPay is a medical financing company that offers loans to patients for medical spa treatments. Loans can be used to pay for treatments such as botox, laser hair removal, and microdermabrasion. PowerPay loans can be applied for in the office or online. Patients will need to fill out basic information and upload a treatment plan and driver’s license. Once approved, patients will sign loan documents and begin making monthly payments 30 days after their procedure. There are no prepayment penalties, you can pay off part or all of the loan early at no cost. Medical professionals / practices will be funded for the cost of the patient’s procedure once the loan is approved. PowerPay offers competitive interest rates and flexible payment options to help make medical spa treatments affordable for everyone.

Save Time.

2-minute application, instant decisions, electronic docs

Save Money.

with rates from 4.99% and up to 20-year terms, you get the lowest monthly payment

Be Happy!

make your dream home a reality- buy now and pay over time


Medical Spa Financing FAQs

What is a medical spa?

A medical spa is a place where people can go to receive both medical and aesthetic services. It’s a combination of an aesthetic medical center, which offers procedures such as laser hair removal and Botox injections, and a day spa, which offers treatments such as facials and massages. This type of business has become increasingly popular in recent years because it allows people to receive all the services they need in one place.

Can I use my HSA at a medical spa?

No, you generally cannot use your HSA at a medical spa. Medical spas typically provide treatments that are not considered preventive care and are not covered by health insurance plans, including HSAs. However, if you are prescribed a treatment by your doctor, you may be able to use your HSA to pay for the treatment. For more information, consult with your health insurance provider or medical spa.

Can I get a loan for medical spa treatments?

Yes, you can get loans to fund medical spa treatments. There are several legitimate lenders nowadays that offer loans for almost any type of situation including medical spa treatments. Thankfully, it’s possible to find loans with rates as low as 4.99% and terms as long as up to 15 years to help borrowers afford costly procedures upfront.

How do I go about getting a loan for medical spa treatments?

Different lending providers will have their own set of requirements and qualifications, but you’ll often be able to apply for financing directly online through an application. You will likely need to provide a range of documents such as your personal identification, previous pay stubs or bank statements, and agree to a soft credit check.

How does the process for medical spa financing work?

Medical spas often offer financing to make treatments more accessible to patients. To quality, patients must be 18 years or older, provide some personal identifying information, income and Social Security number. With acceptance, the applicant will receive pre-authorization for treatment for between a set amount of money. Continuous monthly payments of interest are then required until the debt is paid in full with no set limits on how long payments can take or other repayment restrictions including penalties for early payoff.

PowerPay Medical Spa Treatment & Procedure Financing FAQ

Read our PowerPay borrower FAQ for specifics on PowerPay loans and how the process works.