FigCare Pay helps patients spread the cost of eligible medical and cosmetic dermatology procedures into manageable monthly payments through financing options from multiple lending partners.
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.
Dermatology financing gives your patients a comfortable way to pay for cosmetic and non-covered skin treatments, so cost is less likely to stand between them and the results they want.
Much of dermatology sits outside insurance. Cosmetic treatments are elective and paid out of pocket, and even medically driven care can leave patients with large balances once deductibles and non-covered options are factored in. A patient can want laser treatment, an acne-scar plan, or injectables and still pause when the full cost is due at the visit.
A way to pay over time changes that. When patients know they have options, more of them move forward with the treatment you recommend, which supports better results and a healthier practice.
With dermatology 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 move ahead with their treatment.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a flexible way to pay without discounting your services.
Key Takeaways
Dermatology financing lets a patient pay for treatment in monthly installments, while your practice is paid in full once the loan funds.
The patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice receives the full amount when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects dermatology and skin-care practices with a network of lenders that help patients finance injectables, laser treatments, acne and acne-scar programs, and other elective care. Because so much of dermatology is paid without insurance, a clear way to pay is often what turns a consultation into a booked treatment. For patient-facing education on procedures and choosing a provider, practices can point to the American Academy of Dermatology.
| 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 Begin Treatment | The loan funds, your practice is paid in full, and the patient starts their treatment or plan. |
Offer monthly payments through a lender, so patients pay over time while you keep your full fee and skip the billing and collections.
When a patient hesitates at the cost of a treatment or a package, it is rarely because they doubt the result. More often, paying the full amount at the visit feels like too much at once. Discounting cuts into your pricing, and running your own payment plan asks your front desk to take on billing and collections. Financing keeps both off your plate: your patient pays over time, and the lender manages repayment.
For a practice with a strong cosmetic and elective mix, that predictability helps you plan around devices, injectables inventory, and staffing with more confidence.
Patients most often finance injectables, laser skin resurfacing, laser hair removal, chemical peels and microneedling, acne and acne-scar programs, and body contouring.
Financing fits elective and non-covered dermatology with a clear price, though eligibility for any specific treatment ultimately rests with the lender. Cosmetic mole and lesion removal, rosacea and pigment laser, and hair-loss treatments are commonly financed as well.
Injectables (Botox & Fillers)
$300 – $1,500 per session
Neuromodulators and dermal fillers for lines, volume, and facial balancing.
Laser Skin Resurfacing
$1,500 – $4,000
Ablative and non-ablative laser for texture, tone, sun damage, and fine lines.
Laser Hair Removal
$1,500 – $4,000 per package
Multi-session packages patients pay for as a bundle rather than per visit.
Chemical Peels & Microneedling
$250 – $3,000
Peels, microneedling, and PRP series for tone, texture, and scarring.
Acne & Acne-Scar Programs
$1,000 – $5,000
Multi-visit treatment plans combining procedures, lasers, and follow-up care.
Body Contouring & Skin Tightening
$2,000 – $6,000
Fat reduction and radiofrequency skin-tightening treatment courses.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Cosmetic dermatology ranges from a few hundred dollars for injectables to several thousand for laser and program-based care.
The averages below are physician-fee figures published by the American Society of Plastic Surgeons. They exclude facility, product, and related costs, so a patient’s total is usually higher, and prices vary by provider, device, and region.
| Treatment | Average Fee | Typical Range |
|---|---|---|
| Laser skin resurfacing | $1,829 | $1,500 – $4,000 |
| Laser hair removal | $697 | $250 – $900 per session |
| Dermal fillers (per syringe) | $715 | $600 – $1,200 |
| Botox (per treatment) | — | $300 – $600 |
| Chemical peel | — | $250 – $3,000 |
| Microneedling | — | $300 – $700 |
| Acne / acne-scar program | — | $1,000 – $5,000 |
Average Fee shows ASPS physician-fee averages; facility, product, and related costs are additional. Typical Range is illustrative of what patients commonly pay and varies by provider, device, and region.
Make monthly payments a normal part of the consultation, not a last-minute option after someone reacts to the price.
A simple, consistent sequence keeps the conversation comfortable for patients and staff alike.
Make financing visible before and during the visit, on your website, intake forms, ads, and at checkout.
The earlier patients know that paying over time is an option, the more likely they are to move ahead, so financing should read as a normal choice rather than a last resort.
Before the Visit
During the Visit
Financing pays your practice in full upfront and hands repayment to the lender; an in-house plan leaves you waiting on the balance and chasing missed payments.
Practices collect payment in several ways, and the real difference is how much time and risk each one puts on your team.
| 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 | Cosmetic treatments and packages |
| 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 |
Consider a patient who commits to a $2,400 laser package. With your own plan at $400 a month over six months, you deliver the sessions while waiting on the balance, and a late or failed payment becomes your team’s problem to chase. With financing, the patient borrows for the package, the loan funds, and you are paid in full while the lender handles repayment and 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, the lender sets the rate and term, and once the loan funds your practice is paid according to your agreement.
During the application, the patient may be asked for details about their identity, income, and credit, and 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, sometimes using a standard installment loan structure. Once everything is finalized and the loan funds, your practice is paid per your arrangement.
The loan is between the patient and the lender, so repayment issues follow the lender’s policies, while your own cancellation and refund terms cover the care side.
If a Patient Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the care you have delivered.
If a Patient Pauses a Plan
Spell out in your agreement how you handle pauses, missed sessions, and changes to a plan. A pause in care does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before care begins. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe treatments and expected results accurately, put your treatment plan and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific skin 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 offer cosmetic treatments, laser care, or multi-session programs and regularly hear cost objections, financing is likely a strong fit.
When patients say some version of “I want to do this, but I cannot pay for all of it right now,” a flexible way to pay keeps cost from ending the visit and helps more of them move forward with the treatment they came in for.
Add monthly payment options to the consultations you already run, keep your fees, and get paid in full once the loan funds.
FigCare Pay helps dermatology and skin-care practices build financing into their existing process, so cost is one less reason a patient delays or declines treatment.
Ready to Add Financing to Your Dermatology 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 and typical ranges from the sources cited 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.
Many dermatology practices offer financing so patients can pay for treatment in monthly installments, especially for cosmetic and non-covered care. Patients apply through the practice’s financing link, and if approved, the practice is paid in full upfront while the lender handles repayment.
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 manages repayment, so the patient can begin treatment.
Medically necessary dermatology, such as acne, skin cancer screenings, rashes, and suspicious moles, is often covered with a copay or deductible, while cosmetic treatments like laser resurfacing, injectables, and cosmetic mole removal are elective and paid out of pocket. Financing is most commonly used for that non-covered, cosmetic side.
Without insurance, a dermatology office visit commonly runs about $150 to $300, and treatments range widely, from a few hundred dollars for a peel or injectables to several thousand for laser and program-based care. Financing lets patients spread those costs across monthly payments.
Yes, laser hair removal is one of the most commonly financed dermatology treatments, because it is usually sold as a multi-session package. Patients can finance the full package and pay monthly rather than paying for each session at the visit.
Patients commonly finance injectables, laser skin resurfacing, laser hair removal, chemical peels and microneedling, acne and acne-scar programs, and body contouring. Cosmetic mole and lesion removal and hair-loss treatments are often financed too, and eligibility for any specific treatment is set by the lender.
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.
Some lenders offer promotional 0% or reduced-interest plans when the balance is paid within a set period, but availability and terms are decided by the lender, not the practice. Patients see their rate before accepting an offer and should read the full terms, including any deferred-interest conditions.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.