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United Medical Credit offers simple, transparent medical financing options. Your plastic surgery is only a click away! Eyelid surgery was one of the top five cosmetic surgery procedures performed in , and all indications are that gender-nonspecific plastic surgery is on the rise across the nation. Until relatively recently, plastic surgery was considered the sole province of the very wealthy and Hollywood A-listers.
In the past twenty years, new techniques and equipment have evolved to make various forms of cosmetic surgery more affordable for regular people, from breast augmentation to hairline revision and treatments for acne scarring. Here are just a few reasons to consider financing your cosmetic surgery! Start a UMC loan application today and see how fast, easy, and affordable it can be to put your best face forward! Mommy makeovers, tummy tucks, cosmetic dental procedures, and more have become so mainstream that much of the stigma concerning plastic surgery has vanished.
This is great news for people who want to look and feel their best at work, play, and home—and UMC is making plastic surgery more affordable than ever before! Here are some reasons you should consider UMC as your first and only provider for plastic surgery financing options.
Our friendly associates are waiting to assist you from 8 am-6 pm PST. Let us show you why UMC is becoming the most trusted name in medical financing today! I filled out the online application and received a phone call telling me I had been approved. Student credit cards, fine print on personal loan paperwork, credit monitoring, student loans, and annual fees can all chisel away at your income, and it only takes one emergency for medical expenses to skyrocket out of control for most people.
This in turn can lead to downward trends in your credit score and reduced ratings from credit monitoring bureaus, impacting your ability to do other things like obtaining credit cards with good introductory period terms, secure home equity loans with low annual fees, and more. Like any other form of medicine, cosmetic surgery is not immune from this, which is why, even though society finds it more socially acceptable than ever before, it is still seen in many quarters as belonging to the wealthy rather than a service anyone can access.
Here are some reasons people give for not pursuing plastic surgery. United Medical Credit is dedicated to eliminating the financial uncertainty associated with cosmetic surgery. To learn more about how United Medical Credit can help you take control of your medical choices without fear of the cost, click here to contact us!
Here are just a few of the plastic surgery procedures UMC loans can be used for! To learn more about how UMC works , click the link! While cosmetic surgery is one of our more popular fields, it is hardly the only branch of medical procedure financing we offer.
Upgrade offers personal loans plus credit-building tools; you'll need strong cash flow to qualify. Offers a wide range of repayment terms. Offers a 0. Offers significant rate discount for checking account customers. Offers rate discount with direct payment to creditors on debt consolidation loans. LightStream targets strong-credit borrowers with no fees and low rates that vary based on loan purpose. Competitive rates among online lenders.
Special features including rate beat program and satisfaction guarantee. No option to pre-qualify on its website.
Requires several years of credit history. Does not offer direct payment to creditors with debt consolidation loans. Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage. A Universal Credit loan is an option for bad-credit borrowers with high debt-to-income ratios, but rates are high compared to similar lenders.
Offers a. No co-sign, joint or secured loan option. OneMain is an option for bad-credit borrowers, but it comes with high starting rates and an origination fee.
Able to fund a loan the same or next business day. Offers direct payment to creditors on debt consolidation loans. Rates are high compared to other online lenders. Upstart is a good option for those who have short credit histories and promising financial futures. Able to fund loans within one business day.
Offers direct payment to creditors with some debt consolidation loans. Allows borrowers to choose and change payment date. Borrowers can choose from only two repayment term options. Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.
Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income. Must have U. LendingClub is a pioneer of peer-to-peer lending and a good option if you want to consolidate your debt. Offers co-signed and joint loan options. Offers direct payment to creditors with debt consolidation loans. Soft credit check with pre-qualification.
Borrowers can only choose from two repayment term options. Rates are high compared to other fair-credit lenders. Annual percentage rate. One of the first things to know about a loan is its APR, which represents the entire cost — including any fees — and should be clearly disclosed by the lender.
Be sure you know whether your loan comes with any fees, like an origination fee , which could reduce the actual loan amount you receive, or a prepayment fee for paying back the loan before its term ends. Loan features. Depending on the lender you choose, you could get access to special features, like financial education tools, free credit monitoring and a one-time option to defer a payment.
Borrower requirements. Compare different lenders to see what they require from a borrower. Some have minimum credit score, debt-to-income ratio and income requirements. You can pre-qualify with multiple online lenders through NerdWallet to see which loans are available to you and which offer the lowest APR. Your credit score is not affected when you pre-qualify with NerdWallet. Your first step when considering cosmetic surgery should be a call to your health insurance.
For example, your insurer may cover reconstructive surgery after an accident. Like most other discretionary expenses, NerdWallet recommends saving up for an elective surgery. Payment plans. Regardless, think carefully before taking this option and make sure you have a plan to repay the money, or you might regret this choice in your retirement years.
Got a relative with plenty of dough? What about a friend who just came into some money? Borrowing from friends and family can be tempting. Terms can be excellent. Your loved one may be flexible should you make a late payment. Cons: You could permanently damage a family relationship or friendship if you default on the agreement.
It jeopardizes the relationship. Thanksgiving dinner could get awkward. Michelle Copeland, a New York City plastic surgeon, has seen patients receive gift certificates for procedures or set up funds through which loved ones can contribute money toward a surgery. Pros: You get the gift you want instead of that tacky holiday sweater. Your request could rally emotional and social support for your pending surgery.
Cons: You might be too embarrassed to ask. You might not get enough money. Your grandma could be horrified. Advice: If you feel comfortable making this request, consider a reputable site, such as DepositAGift. No matter how you choose to finance your cosmetic plastic surgery, make sure you research the financing fine print and your surgeon — and think hard about whether lifting, tucking, trimming and snipping are really worth the drag on your bottom line.
If it is, make a plan that fits your budget so you can enjoy the results of your procedure without financial regret. See related: Paying medical bills: Things to know.
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.
Emma Johnson is a former CreditCards. Essential reads, delivered straight to your inbox. By providing my email address, I agree to CreditCards. Your credit cards journey is officially underway. Shopping for a new credit card without hurting your credit can be done — find out how preapproval and prequalification can help you do it.
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