How to Finance Breast Implants With Bad Credit

Updated July 20, 2017

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.

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.

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.

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.

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


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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About the Author

Pamela Stewart began writing in 1994. Her articles have appeared in North American newspapers and magazines such as "Now Magazine" and the "Georgina Advocate." Stewart has written for educational publications such as the "American Society for Industrial Security Protection of Assets Manual.” Her first book of fiction was published in 2008. She studied creative writing at Ryerson University.