FigCare Pay helps patients spread the cost of eligible hair restoration treatments and 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.
Make hair restoration more accessible with financing options that let qualified patients manage the cost of transplants and treatment plans through convenient monthly payments.
Hair restoration is elective and paid entirely out of pocket, which means the full cost lands on the patient at once. Someone can research for months, book a consultation, and love the plan you recommend, then hesitate when they see the total for a full transplant. When cost is the only thing in the way, a motivated patient can scale back the graft count, delay indefinitely, or leave to compare prices.
A way to pay over time changes that. When patients know they can spread the cost into monthly payments, more of them commit to the procedure and the graft count you actually recommend, which supports higher case values and a healthier practice.
With hair restoration financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your pricing, the lender handles repayment, and your patient can move ahead with treatment.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on the procedure instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your front desk back time for patients.
Keep Your Pricing
Offer a flexible way to pay without discounting your procedures or per-graft pricing.
Key Takeaways
Hair restoration financing lets a patient pay for a procedure or treatment plan 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 hair restoration practices and clinics with a network of lenders that help patients finance transplants, PRP therapy, scalp micropigmentation, and medical treatment plans. Because these procedures are paid without insurance, a clear way to pay is often what turns a researching prospect into a booked case.
| 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 their procedure. |
Offer monthly payments through a lender, so patients pay over time while you keep your full price and skip the billing and collections.
When a patient hesitates at the price of a transplant, it is rarely because they doubt the result. More often, paying the full amount at once feels like too much. Discounting cuts into your pricing and margins, 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.
Because a hair restoration practice runs entirely on out-of-pocket revenue, that predictability helps you plan around surgical schedules, staffing, and technology with more confidence.
Patients most often finance FUE and FUT transplants, PRP therapy, scalp micropigmentation, eyebrow and beard restoration, and medical treatment programs.
Financing fits the higher-cost procedures patients pay for themselves, though eligibility for any specific treatment ultimately rests with the lender.
FUE Hair Transplant
$6,000 – $15,000
Follicular unit extraction, priced by graft count and often the highest-ticket case.
FUT (Strip) Transplant
$4,000 – $12,000
Follicular unit transplantation, often a lower per-graft cost for larger sessions.
PRP Therapy
$1,500 – $3,500
Platelet-rich plasma sessions, usually sold as a series patients pay for as a bundle.
Scalp Micropigmentation
$1,500 – $4,000
Multi-session SMP that replicates the look of density, priced as a full course.
Eyebrow & Beard Restoration
$3,000 – $7,000
Facial-hair grafting procedures that follow the same per-graft pricing model.
Medical & Laser Programs
$500 – $2,000
Prescription therapy and low-level laser treatment plans, often bundled annually.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
There is no single national price, but PRP and scalp micropigmentation often run a few thousand dollars, while a full transplant commonly reaches $6,000 to $15,000 or more.
Transplant pricing is usually built from the graft count, often somewhere around a few dollars per graft, so a larger session costs more. Prices also vary by technique, surgeon, and region, and no authoritative body publishes a fixed price list. The typical ranges below reflect what patients commonly pay. For patient-education context and help choosing a qualified surgeon, practices can point to the International Society of Hair Restoration Surgery.
| Procedure | Typical Range |
|---|---|
| PRP therapy (per session) | $400 – $1,000 |
| Scalp micropigmentation (full course) | $1,500 – $4,000 |
| FUT (strip) transplant | $4,000 – $12,000 |
| FUE transplant | $6,000 – $15,000 |
| Large or combined graft session | $10,000 – $25,000+ |
Ranges are illustrative of what patients commonly pay and are not a cited national average. Actual pricing depends on graft count, technique, surgeon, and region.
Make monthly payments a normal part of the consultation, presented right when you recommend a procedure and graft count, not only after a patient 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, procedure pages, consultation bookings, social ads, and at checkout.
Because patients research hair restoration heavily before they ever call, the earlier they know that paying over time is an option, the more likely they are to book a full case, 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; in-house plans keep the balance and the administration on your business.
Hair restoration 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 | Transplants and higher-ticket cases |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | PRP sessions or small balances |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider a patient who commits to a $9,000 FUE transplant. With your own plan at $1,500 a month over six months, you perform the procedure and then wait on the balance, and a late or failed payment becomes your team’s problem to chase. With financing, the patient borrows for the case, 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 pricing 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. It helps to understand how a fixed monthly installment loan is structured so your team can field basic questions and send the rest to the lender. 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 procedure side.
If a Patient Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the procedure you have scheduled or performed.
If a Patient Reschedules or Pauses a Series
Spell out in your agreement how you handle rescheduled procedures and unused PRP or SMP sessions. A change in scheduling does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before treatment begins, especially for prepaid series. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your pricing clear, present financing as one option among several, keep before-and-after claims honest, and send every question about rates and terms to the lender.
Hair restoration marketing leans heavily on results imagery, so keep before-and-after photos and testimonials truthful and representative, set realistic expectations about density and regrowth, and frame financing as a way to pay, never as a promise of a specific result. The FTC’s guidance on endorsements and testimonials is a useful reference for how you present patient reviews and results.
| Do This | Avoid This |
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If you perform transplants or sell treatment series and regularly see patients scale back or delay over price, financing is likely a strong fit.
When a patient says some version of “I want to do this, but I cannot pay for the whole procedure today,” a flexible way to pay keeps cost from ending the consult and helps more of them book the full case you recommend.
Add monthly payment options to the consults and checkout you already run, keep your pricing, and get paid in full once the loan funds.
FigCare Pay helps hair restoration practices and clinics build financing into their existing process, so cost is one less reason a patient scales back a case or walks away.
Ready to Add Financing to Your 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 illustrative typical ranges 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.
Offering financing helps more patients move forward with a transplant or treatment plan when the upfront cost would otherwise stall them. Your practice is paid in full once the loan funds, the lender handles repayment, and you keep your pricing intact instead of discounting or carrying a balance.
Financing removes cost as the reason a ready patient walks away or price-shops, so practices that present a monthly-payment option typically convert more consultations into booked procedures. It also helps patients commit to the full graft count you recommend rather than scaling down to fit a budget.
Your practice is typically paid in full once the loan funds and any funding requirements are completed, rather than collecting over months on an in-house plan. Exact timing depends on the lender and financing product, so follow the funding steps your financing provider outlines.
A multi-lender network is designed to review a range of credit profiles, so more of your patients can find an option than with a single lender. Approval, rates, and terms are set by the lender based on credit and other factors, and no approval is guaranteed, which is worth setting as the expectation with patients who ask about bad-credit or no-credit-check options.
Practices commonly offer financing for FUE and FUT transplants, PRP therapy, scalp micropigmentation, eyebrow and beard restoration, and bundled medical or laser treatment plans. Eligibility for any specific service is determined by the lender.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.