How to Finance Breast Implants With Bad Credit

Written by pamela stewart
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How to Finance Breast Implants With Bad Credit
Breast augmentation is an expensive procedure. (attractive woman breasts image by Pavel Bernshtam from

The decision to have cosmetic surgery is life-changing. Breast implants are controversial. Many people consider breast augmentation a frivolous purchase, which increases the difficulty of obtaining financing. Health care plans and Medicare will not pay for cosmetic surgery. There are sources for funding this type of surgery, even if you have poor credit. Complications can occur with any type of operation. Lenders don't like risk and are wary of financing surgery. Creative planning is required to source funds for breast implants. There are a number of options available, depending on your need or desire for cosmetic or reconstructive surgery.

Skill level:


  1. 1

    Speak with your bank manager, or call loan companies. If you can show income, and prove that breast augmentation will increase your earnings, you may have a better chance of obtaining financing. Women working in the adult industry, where breasts are a valuable asset, can claim breast enhancement as an employment expense.

    How to Finance Breast Implants With Bad Credit
    In some circumstances, breast implants may be claimed on your income tax as an expense. (main surgeon image by Andrey Rakhmatullin from
  2. 2

    Contact your health care plan provider. Most health maintenance organisations, known as HMOs, will not cover elective surgeries. You may be able to circumvent the rules if your doctor decides you need reconstructive surgery for breast cancer, deformities or disfigurements. Let your doctor and health plan know if your condition is causing psychological difficulties.

    How to Finance Breast Implants With Bad Credit
    Most health plans will not provide coverage for breast implants. (money makes money image by Andrey Andreev from
  3. 3

    Search for a plastic surgeon who is reputable and board certified and ask if they help patients obtain financing. Some doctors are working with financing companies as an added service to their patients. Some of these companies will approve individuals with poor credit.

    How to Finance Breast Implants With Bad Credit
    (lovely blond holding hand on breast in water image by Lev Dolgatshjov from
  4. 4

    Consider unconventional methods of obtaining funds. Some radio programs, such as Howard Stern, hold contests for breast augmentation surgery.

    How to Finance Breast Implants With Bad Credit
    (splashes of blood on surgeon's arms image by alma_sacra from

Tips and warnings

  • Take your time and do not let anyone rush you into something as serious as surgery. Consider all the pros and cons before consenting to anything in writing.
  • Never travel out of country for an operation. Certain countries offer low payments to American patients. This is extremely risky. Many of the doctors performing breast implants are not plastic surgeons, or in worst case scenarios, are not medical doctors. Many patients have suffered serious complications or even death.
  • Use caution if posting on Internet sites that allow women to request donations for breast implants. You may have to provide nude before-and-after photographs and videos, or chat online with men. Donors will be expecting something in return for their donation.

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