FigCare Pay helps patients manage the cost of eligible medical weight loss programs, treatments, and services by connecting them with multiple lending partners and flexible monthly payment options.
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.
Weight loss financing gives your patients a comfortable way to pay for bariatric surgery and medical weight-loss programs, so cost is less likely to stand between them and treatment that supports their health.
Weight loss care is often paid out of pocket. Many plans exclude bariatric surgery entirely, and even patients with coverage face months of required supervised dieting and approvals before anything is scheduled. Medical weight loss with GLP-1 medications is rarely covered at all. When cost and delays pile up, patients who are ready to begin can lose momentum and put their health on hold.
A way to pay over time changes that. When patients know they have options, more of them move forward and begin the program you recommend, which supports better outcomes and a healthier practice.
With weight loss 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 begin care without waiting.
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
Weight loss financing lets a patient pay for bariatric surgery or a medical program 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 bariatric and medical weight-loss practices with a network of lenders that help patients finance gastric sleeve, gastric bypass, revision surgery, gastric balloon procedures, and medically supervised GLP-1 programs. Because coverage for weight loss is limited, the range of weight-management treatments patients pursue is often paid without insurance, and a clear way to pay is what turns intent into action.
| 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 the Program | The loan funds, your practice is paid in full, and the patient begins surgery prep or their medical weight-loss program. |
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 surgery or a medical program, it is rarely because they doubt the benefit. More often, paying the full amount upfront feels out of reach, especially when insurance offers little or nothing. Discounting cuts into your pricing, and running your own payment plan asks your team 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 that relies on self-pay and out-of-pocket revenue, that predictability helps you plan your surgical schedule, medication supply, and staffing with more confidence.
Patients most often finance gastric sleeve, gastric bypass, adjustable gastric band, duodenal switch, gastric balloon, and medically supervised GLP-1 programs.
Financing fits both surgical and medical weight loss with a clear price, though eligibility for any specific treatment ultimately rests with the lender.
Gastric Sleeve
$9,500 – $18,000
The most common bariatric procedure, and the one patients most often self-pay and finance.
Gastric Bypass
$15,000 – $25,000
A well-established procedure for significant, lasting weight loss and metabolic improvement.
Adjustable Gastric Band
$12,000 – $18,000
A less invasive, adjustable option for eligible patients.
Duodenal Switch
$20,000 – $30,000
A more complex procedure for patients with higher starting weights.
Gastric Balloon
$6,000 – $9,000
A non-surgical, temporary option often chosen by patients not ready for surgery.
Medical Weight Loss & GLP-1s
$200 – $1,350 per month
Medically supervised programs using GLP-1 medications such as semaglutide and tirzepatide.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Bariatric surgery averages $17,000 to $26,000, according to the American Society for Metabolic and Bariatric Surgery, while GLP-1 medical weight loss runs about $350 to $1,350 per month.
Self-pay pricing is often lower than insurance-billed totals. The figures below show typical numbers, and totals vary by procedure, provider, region, and, for medication, the pharmacy and any manufacturer program.
| Treatment | Typical Cost |
|---|---|
| Surgical | |
| Bariatric surgery, overall average (ASMBS) | $17,000 – $26,000 |
| Gastric sleeve (self-pay) | $9,500 – $18,000 |
| Gastric bypass (self-pay) | $15,000 – $25,000 |
| Adjustable gastric band | $12,000 – $18,000 |
| Duodenal switch | $20,000 – $30,000 |
| Gastric balloon | $6,000 – $9,000 |
| Medical / Non-Surgical | |
| GLP-1 medication (per month) | $350 – $1,350 |
| Medical weight-loss program (per month) | $200 – $600 |
The overall bariatric average is the national figure published by the ASMBS. Per-procedure and medication figures are typical/illustrative and vary by provider, region, and pharmacy; GLP-1 pricing reflects list prices down to manufacturer cash-program rates (see GLP-1 drug cost and savings data).
Introduce monthly payments as a normal part of the consultation, not a last-minute rescue 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 consultation, on your website, seminar sign-ups, ads, and at the quote.
The earlier a prospective patient knows that paying over time is an option, the more likely they are to begin, so financing should read as a normal choice rather than a last resort.
Before the Consultation
During the Consultation
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 | Surgery and higher-cost programs |
| 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 schedules a $13,000 gastric sleeve. With your own plan at $1,300 a month over ten months, you perform the surgery, 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 procedure, 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. 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 Program
Spell out in your agreement how you handle pauses, missed visits, and changes to a program. 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 procedures, medications, and candidacy 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 weight-loss result. Weight-loss marketing is closely scrutinized, so make sure any weight-loss results and testimonials you advertise are truthful and well substantiated.
| Do This | Avoid This |
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If you offer bariatric surgery or GLP-1 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 consultation and helps more of them begin the care that supports their health.
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 bariatric and medical weight-loss practices build financing into their existing process, so cost is one less reason a patient delays care.
Ready to Add Financing to Your Weight Loss 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.
Patients typically pay for weight loss surgery through insurance (when they qualify), self-pay, financing, or a combination. Because many plans exclude bariatric surgery or require months of supervised dieting first, self-pay with monthly financing is a common way to move forward sooner.
Some commercial plans, and Medicare and Medicaid, cover bariatric surgery when medical criteria are met, such as BMI thresholds and documented supervised attempts. Many plans still exclude it or impose long waiting requirements, and GLP-1 medications for weight loss are frequently not covered, which is why so many patients pay out of pocket.
Bariatric surgery averages $17,000 to $26,000 in the U.S., according to the American Society for Metabolic and Bariatric Surgery, with self-pay pricing often lower. The final cost depends on the procedure, the surgeon, the facility, and the region.
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.
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 is paid in full upfront and the lender handles repayment, so the patient can begin surgery prep or their program.
Patients commonly finance gastric sleeve, gastric bypass, adjustable gastric band, duodenal switch, gastric balloon, and medically supervised GLP-1 programs. Eligibility for any specific treatment is determined by the lender.
Without insurance, GLP-1 weight-loss medications generally run about $350 to $1,350 per month, with the lower end reflecting manufacturer cash-pay programs. Patients often cover this through a medical weight-loss program that can be financed monthly, rather than paying each refill out of pocket.
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.