FigCare Pay connects you with multiple lending partners, giving qualified patients access to flexible monthly payment options for cosmetic and plastic surgery procedures.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Cosmetic and plastic surgery financing gives your patients a comfortable way to pay for elective procedures, so cost is less likely to stand between them and the result they have been considering.
Cosmetic surgery is almost always elective and paid out of pocket, which means the full cost lands on the patient. Someone can be ready for a breast augmentation, a tummy tuck, or a facelift and still hold back when the total is due before the date is booked. When cost is the only thing in the way, many delay the procedure or keep shopping instead of moving forward with you.
A way to pay over time changes that. When patients know they have options, more of them book and complete the procedure they came in for, which supports a fuller schedule and a healthier practice.
With cosmetic and plastic surgery financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can schedule with confidence.
Get Paid Upfront
Your practice receives the full fee once the loan funds, so you can focus on results instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your coordinators back time for patients.
Keep Your Fees
Offer a flexible way to pay without discounting the value of your services.
Key Takeaways
Cosmetic surgery financing lets your patients pay for a procedure over time instead of all at once. A patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice is paid in full when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects cosmetic and plastic surgery practices with a network of lenders that help patients finance surgical procedures, injectables, skin treatments, and medical weight-loss programs. Because these procedures are elective, a clear way to pay is often what turns a consultation into a booked date.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Book the Procedure | The loan funds, your practice is paid in full, and the patient schedules the procedure. |
When a patient hesitates at the price of a procedure, it is rarely because they doubt your skill. More often, paying the full amount before the date is booked feels out of reach. Discounting cuts into the value of your work, and running your own payment plan asks your coordinators to take on billing and collections. Financing offers a cleaner path: your patient pays over time, and you keep your full fee while the lender manages repayment.
For a practice that runs on elective, out-of-pocket revenue, that predictability protects your schedule and your margins through the busy and slow seasons alike.
Financing fits both surgical and non-surgical procedures with a clear price. Body and breast surgery, facial surgery, injectables, skin treatments, and medical weight-loss programs are all common candidates, though eligibility ultimately rests with the lender.
Breast Surgery
$4,000 – $12,000
Augmentation, lift, reduction, and implant revision or removal.
Body Contouring
$3,000 – $20,000
Tummy tuck, liposuction, and the mommy makeover combination.
Facial Surgery
$3,000 – $15,000
Facelift, eyelid surgery, brow lift, and rhinoplasty.
Injectables & Fillers
$300 – $1,500 per session
Botox and other neuromodulators, dermal fillers, and Kybella.
Skin & Laser Treatments
$250 – $3,000
Chemical peels, laser resurfacing, skin tightening, and fat reduction.
Medical Weight Loss & GLP-1s
$200 – $1,400 per month
Medically supervised programs using GLP-1 medications such as tirzepatide and semaglutide.
Injectable and weight-loss treatments such as Botox, dermal fillers, and GLP-1 medications are regulated by the FDA, and demand for them continues to climb as more patients look for non-surgical options they can start right away.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
The figures below are national average surgeon and facility fees. Anesthesia, operating-room, testing, garment, and prescription costs are additional, so a patient’s total is usually higher, and prices vary by surgeon, region, and the exact combination of procedures. These averages come from the American Society of Plastic Surgeons and The Aesthetic Society.
| Procedure | Average Fee | Typical Range |
|---|---|---|
| Surgical | ||
| Breast augmentation | $4,617 | $4,000 – $12,000 |
| Breast lift | $5,324 | $4,500 – $12,000 |
| Breast reduction | $6,308 | $5,000 – $12,000 |
| Tummy tuck | $7,465 | $6,500 – $15,000 |
| Liposuction | $2,764 | $2,500 – $8,000 |
| Facelift | $9,679 | $8,000 – $20,000 |
| Eyelid surgery | $3,387 | $3,000 – $6,500 |
| Non-Surgical | ||
| Botox (per treatment) | about $325 | $200 – $600 |
| Dermal fillers (per syringe) | $715 | $600 – $1,200 |
Average Fee shows national average surgeon and facility fees from the sources above; anesthesia, facility, and related costs are additional. Typical Range is illustrative of what patients commonly pay in total and varies by provider, region, and combination of procedures.
Patients appreciate hearing about payment options directly from your practice, so it helps to make monthly payments a normal part of the consultation rather than something you raise only after someone reacts to the quote.
The earlier a prospective patient knows that paying over time is an option, the more likely they are to book. Make it visible from the first touchpoint, so financing feels like a normal choice rather than a last resort.
Before the Consultation
During the Consultation
There is more than one way to collect payment, and each asks something different of your team. The real difference is how much time and risk each one puts on your front desk.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Elective procedures and higher-cost cases |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Patients using available credit |
| Buy Now, Pay Later | Varies by provider | The provider | Low to moderate | Smaller balances, within provider limits |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
In short: financing lets your practice collect in full upfront while the lender manages repayment, so your team can spend its energy on patients rather than payment tracking.
Picture a patient who books an $8,000 mommy makeover and asks to pay you $1,000 a month over eight months. You would be operating, then waiting on the balance, and a late or failed payment becomes your team’s problem to chase.
With financing, the patient borrows for the procedure, the loan funds, and you are paid in full while the lender handles repayment. The lender sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a flexible way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly and may be asked for details about their identity, income, and credit. The lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and some let patients preview their options before a full application. Once everything is finalized and the loan funds, your practice is paid according to your agreement.
If a Patient Misses a Payment
The loan is between the patient and the lender, so missed payments fall under the lender’s policies. Keep clear records of your treatment agreement and the care you have delivered.
If a Patient Reschedules
Spell out in your agreement how you handle date changes and deposits. A change to the surgery date does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before the procedure. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your quotes and pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe procedures accurately, put your quote and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific aesthetic result. When you market with before-and-after photos and patient testimonials, keep them truthful, representative, and properly disclosed.
| Do This | Avoid This |
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If you perform surgical procedures, injectables, or body and skin treatments and often hear some version of “I want to do this, but I cannot pay for all of it right now,” financing is likely a strong fit. Giving patients a flexible way to pay keeps cost from ending the consultation and helps more of them book the procedure they came in for.
FigCare Pay helps cosmetic and plastic surgery practices build monthly payment options into the consultations they already run. Your patients get a flexible way to pay over time, you keep your fees, and your practice is paid in full once the loan funds, so cost is one less reason a good candidate walks away.
Ready to Add Financing to Your Cosmetic Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Cost figures are national averages from the American Society of Plastic Surgeons and The Aesthetic Society and do not reflect any specific practice’s pricing. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Yes, most cosmetic and plastic surgery procedures can be financed, because they are elective and paid out of pocket. Patients apply through the practice’s financing link, and if approved, they pay the procedure off in monthly installments while the practice is paid in full upfront.
The patient applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full fee and the lender handles repayment, so the patient can book the procedure.
Patients with less-than-perfect credit may still qualify, because a multi-lender network includes options for a range of credit profiles rather than a single lender’s standards. Approval, rates, and terms are set by the lender based on credit and other factors, and no approval is guaranteed.
Be cautious with “no credit check” offers. Most legitimate plastic surgery financing uses at least a soft credit check to match a patient with an offer, and truly no-credit-check products are uncommon and often cost more. A multi-lender network helps many patients qualify even with imperfect credit, without resorting to predatory terms.
Financing amounts commonly range from a few hundred dollars to $50,000 or more, enough to cover single procedures or a full combination like a mommy makeover. The final approved amount is set by the lender based on the patient’s application.
Repayment terms commonly range from several months to about five years, depending on the lender, the amount financed, and the offer the patient chooses. Longer terms lower the monthly payment but usually increase the total interest paid.
In many cases patients can check their options with a soft credit inquiry that does not affect their credit score. A hard inquiry, which may affect the score, generally happens only if the patient moves forward with a specific offer. The exact process varies by lender.
The practice is typically paid in full once the loan funds and any funding requirements are completed. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.