Financing Options for Ocean Plastic
Surgery Center Patients
At Ocean Plastic Surgery Center we offer our patients a number of financing options. We can assist you in qualifying for a loan whether you are an A borrower or a D borrower. When reviewing the companies below keep in mind that each lender will have a certain criteria that they must follow in order to approve the loan you are seeking. The following are some general examples of what a lender may be looking for when considering your application for a loan.
An A borrower might be a person who is a homeowner or has lived in the same residence for more than 7 years. They usually have 5 or more years on the same job. They typically have well-established credit and no negative payment history on their TRW. This borrower can not be overextended with existing debts.
A B-C borrower could be a person with little or no credit history. In the case of the B-C borrower, the lender likes to see 2 or more years on the job. Chances of needing a family member as a co-signer are fairly strong. You may have had some credit problems in the past but have worked to re-establish yourself and your TRW reflects this. The interest rate will vary based on your credit history and the loan may require some type of down payment prior to surgery.
A D borrower would be an example of a person who has had serious credit problems in the past and may have even filed bankruptcy. This loan, if approved, would have a much higher rate of interest and require a substantial down payment prior to surgery.
- PFS PATIENT FINANCING - A to C level borrower
Patient can finance $2500 to $5000. All loans are at 10.99% for those who qualify / loans up to 60 months Patient may have a co-signer or guarantor. Patient may apply online at www.p-f-s.com or call toll-free at (888) 737-3679.
- COSMETIC FEE PLAN - A to C level borrower
Finance rates between 9.99% to 13.99% / loans up to 60 months Patient can apply online at www.cosmeticfeeplan.com or call toll-free at (888) 440-2375.
- HEALTH READY - A to D level borrower
A down payment is required from the patient and that amount is spelled out on the approval from Health Ready. Patient can finance $500 to $20,000. Patient may apply online at www.healthready.com or call toll-free at (888) 873-1082.
- ELITE - A to D level borrower
Will vary according to amount, time of loan and credit status. Patient may apply online at www.elitedr.com or call toll-free at (877) 354-8337.
- COMBINED ACCEPTANCE - A to C borrower
Patient may apply on line at www.cac-combined.com or call toll-free at (800) 405-8140.
- MEDICREDIT - A to D level borrower
Patient may apply online at www.medicredit.com or call toll-free at (800) 963-6334.
- RELIANCE - A to D borrower
Patient may apply online at www.reliancemedicalfinance.com or call toll-free at (800) 322-6377.
During your consultation our consultant will listen to your concerns and help to determine the most likely plan that you would qualify for. Our consultant understands the importance of a good credit rating and by prequalifying, we can help you maintain your good credit score without the embarrassment or hassle of applying and denying. We have been able to help hundreds who might have not been able to have their procedures, otherwise! Contact Judith Schiefelbein to schedule your complimentary cosmetic consultation and evaluate your financing options.
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