FigCare Pay helps patients spread the cost of eligible med spa and aesthetic treatments 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.
Med spa financing gives your clients a comfortable way to pay for treatments, packages, and memberships, so cost is less likely to stand between them and the results they want.
Med spa services are elective and paid out of pocket, which means the full cost lands on the client. Someone can be ready for a laser package, a body-contouring series, or a treatment membership and still hesitate when the total is due at checkout. When cost is the only thing in the way, a client who is genuinely interested can downgrade to a single session or leave to think about it.
A way to pay over time changes that. When clients know they have options, more of them book the full package or plan you recommend, which supports higher average tickets and a healthier business.
With med spa financing, clients can spread the cost into monthly payments while your business is paid in full, upfront. You keep your pricing, the lender handles repayment, and your client can move ahead with their treatment plan.
Get Paid Upfront
Your med spa receives the full amount once the loan funds, so you can focus on treatments instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your front desk back time for clients.
Keep Your Pricing
Offer a flexible way to pay without discounting your packages or memberships.
Med spa financing lets a client pay for a treatment, package, or membership in monthly installments, while your business is paid in full once the loan funds.
The client applies, reviews the options they qualify for, and moves ahead if approved. Your med spa receives the full amount when the loan funds, and the client repays the lender over a term that fits their budget.
FigCare Pay connects med spas and medical aesthetics businesses with a network of lenders that help clients finance injectables, laser treatments, body contouring, skin-care packages, and memberships. Because these services are paid without insurance, a clear way to pay is often what turns an interested client into a booked package.
| Stage | What Happens |
|---|---|
Step 1 Apply | The client 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 Treatment | The loan funds, your business is paid in full, and the client books their treatment or package. |
Offer monthly payments through a lender, so clients pay over time while you keep your full price and skip the billing and collections.
When a client hesitates at the price of a package, it is rarely because they doubt the result. More often, paying the full amount at checkout feels like too much at once. 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 client pays over time, and the lender manages repayment.
Because a med spa runs entirely on out-of-pocket revenue, that predictability helps you plan around devices, injectable inventory, and staffing with more confidence.
Clients most often finance injectables, laser and skin treatments, body contouring, laser hair removal packages, medical weight loss, and treatment memberships.
Financing fits med spa services that clients pay for themselves, though eligibility for any specific treatment ultimately rests with the lender.
Neuromodulators and dermal fillers, often sold as prepaid packages or memberships.
Laser resurfacing, IPL, peels, and microneedling, usually delivered as a series.
Fat reduction and muscle-toning treatment courses such as cryolipolysis and RF.
Multi-session hair removal packages clients pay for as a bundle.
Medically supervised weight-loss programs increasingly offered at med spas.
Bundled treatment plans and annual memberships clients finance as one amount.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Med spa treatments range from a few hundred dollars for injectables to several thousand for laser, body-contouring, and package-based care.
The averages below are physician-fee figures published by the American Society of Plastic Surgeons. They exclude product, facility, and related costs, so a client’s total is usually higher, and prices vary by device, provider, 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 |
| Body contouring (per course) | — | $2,000 – $6,000 |
| Chemical peel / microneedling | — | $250 – $3,000 |
Average Fee shows ASPS physician-fee averages; product, facility, and related costs are additional. Typical Range is illustrative of what clients commonly pay and varies by device, provider, and region.
Make monthly payments a normal part of the consultation, presented right when you recommend a package or series, not only after a client reacts to the price.
A simple, consistent sequence keeps the conversation comfortable for clients and staff alike.
Make financing visible before and during the visit, on your website, booking pages, social ads, and at checkout.
The earlier clients know that paying over time is an option, the more likely they are to book the full plan, so financing should read as a normal choice rather than a last resort.
Before the Visit
During the Visit
Financing pays your med spa in full upfront and hands repayment to the lender; in-house plans and memberships keep the balance and the administration on your business.
Med spas collect payment in several ways, and the real difference is how much time and risk each one puts on your team. Financing and memberships can work together, financing the larger upfront package while a membership handles recurring maintenance.
| 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 | Packages, series, and higher-ticket plans |
| Pay in Full | Right away | Not applicable | Low | Clients ready to pay upfront |
| Membership | Monthly, recurring | The med spa | Moderate | Ongoing maintenance and loyalty |
| Credit Card | After processing | Client and card issuer | Low | Single treatments or small balances |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider a client who commits to a $3,000 laser package. With your own plan at $500 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 client 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 clients a flexible way to pay monthly while you keep your pricing and hand the billing to the lender.
The client applies directly, the lender sets the rate and term, and once the loan funds your med spa is paid according to your agreement.
During the application, the client 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 clients preview their options before a full application, often using a standard installment loan structure. Once everything is finalized and the loan funds, your business is paid per your arrangement.
The loan is between the client and the lender, so repayment issues follow the lender’s policies, while your own cancellation and refund terms cover the service side.
If a Client Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the services you have delivered.
If a Client Pauses a Package
Spell out in your agreement how you handle pauses, unused sessions, and changes to a package. A pause in treatment does not automatically change the client’s loan.
If a Client Cancels
Set your cancellation and refund terms before treatment begins, especially for prepaid packages. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your pricing clear, present financing as one option among several, operate within your state’s medical-oversight rules, and send every question about rates and terms to the lender.
Med spas operate under medical direction and state scope-of-practice rules that vary widely, so keep treatment claims accurate and within your evidence, and frame financing as a way to pay, never as a promise of a specific result. For guidance on med spa regulations and compliant operations, practices can look to the American Med Spa Association.
| Do This | Avoid This |
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If you sell packages, series, or memberships and regularly see clients trim to a single session over price, financing is likely a strong fit.
When a client says some version of “I love this, but I cannot pay for the whole package today,” a flexible way to pay keeps cost from ending the sale and helps more of them book the full plan 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 med spas and medical aesthetics businesses build financing into their existing process, so cost is one less reason a client trims a package or walks away.
Ready to Add Financing to Your Med Spa?
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 source cited and do not reflect any specific business’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, injectables like Botox and dermal fillers are commonly financed, especially when a client is booking a full treatment plan or wants to keep up with maintenance visits over the year. Financing lets clients spread the cost across monthly payments rather than paying the full amount at each appointment.
Clients commonly finance injectables, laser and skin treatments, body contouring, laser hair removal packages, medical weight loss programs, and treatment memberships, as single visits or bundled packages. Eligibility for any specific treatment is set by the lender.
Yes, memberships and prepaid treatment packages are a natural fit for financing, since they bundle several visits into one larger price. Financing lets a client lock in package or membership pricing and pay it off monthly, which also gives the practice predictable, upfront revenue.
The 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 the financing product, so follow the funding steps your financing provider outlines.
You add financing to the financial consult you already run: your practice gets a financing link to share, patients apply and choose an offer, and you are paid in full once the loan funds. Request information to see how quickly your clinic can start offering monthly payment options.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.