You’ve been thinking about having cosmetic surgery for a long period of time. You’ve carried out a lot of research on clinics and surgeons, viewed many before and after Photos and you’ve been following cosmetic surgery providers on Instagram. You may have recently got in contact with us to book a free consultation and now the excitement is kicking in – cosmetic surgery could be right for you.
Many of our past patients often tell us how exciting it was when they first got in contact with us and when they attended for their consultation with the surgeon. The biggest question for our patients is often related to the financial aspects. Even before COVID-19 struck when we were in a time of greater stability and when household incomes and work patterns were more predictable, knowing how to budget for cosmetic surgery was an important consideration. Even as we now appear to be exiting the current pandemic that has led to so much economic uncertainty for so many, effectively budgeting for cosmetic surgery is a major part of most people’s decision-making.
Many of us have been able to work from home in sectors that have been more resistant to disruptions brought about by the pandemic but changes in spending patterns have taken place. Some people have been more fortunate in that their work requires face-to-face contact with others, while others have been unable to work and may well be feeling uncertain about their future financial stability. Patients who come to us for treatment often fall into both of these categories and our patient care coordinators often hear from people facing different ways of working and are keen to explore what options for cosmetic surgery finance exist out there.
Before we discuss the finance options available, for those who are continuing to work on the front line in our healthcare system, public transport, supermarkets and many other public facing roles, all of us at Centre for Surgery are extremely appreciative for all of those who are working tirelessly and are continuing to do so helping people in need. Many of our patients work in the public sector including the NHS, police and civil service. We are immensely grateful for your incredible resilience and we hope that we emerge from the pandemic successfully.
Against this background, whatever your current situation is, if you have questions about cosmetic surgery finance for a procedure at Centre for Surgery, we are here to help you explore the options available on how to fund your procedure.
Ways to pay for cosmetic surgery
The cost of a cosmetic surgery procedure is inclusive of the facility fee, anaesthesia fee, surgical fee and all of your post-operative follow-up visits with us. We all love to see you return and hear from all our patients to make sure that everything is progressing according to the treatment plan. We accept most forms of payment including Visa and MasterCard. We do not currently accept American Express. Many people find that payment by credit card for cosmetic surgery is and effective option that works for them. Many patients who have been diligently saving up for the procedure often prefer this means of payment method as they’re able to spread payments over a convenient period and pay off their credit card balance at a certain time.
For some patients, payment by credit card is not a viable method and may not be the best option for everyone as every credit card has different interest rates and credit limits. If your savings are limited or you have savings that are designated for other purchases then a cosmetic surgery finance plan may work best for you.
How to finance cosmetic surgery
If you are interested to learn more about how to finance your procedure, you may be pleased to hear that we are an approved Chrysalis Finance partner. Finance offered by Chrysalis Finance can work well for many patients because there is no down payment required, no requirement for collateral and no early repayment penalty if you complete payment before the end of your term. You can also decide whether to finance the entire procedure or only part of it. Cosmetic surgery finance provides a higher level of flexibility for many patients that can be immensely useful.
How do I apply?
You will need to complete a simple, online credit application, which one of our staff can help you with. The information is transmitted to the lender immediately and a reply is usually received by return. There is no cost to apply or seek approval. Approval times are typically very quick. In many cases patients have applied during their visit with us for a consultation and have had their finance approved before they leave the clinic an hour later. Chrysalis Finance pays us directly. You can choose between different times depending on works best for you ranging from 12 months to 60 months and there is no penalty if you complete repayment early. If you don’t have a sufficiently long credit history, you may be able to apply with a guarantor.
How much can I borrow?
You can borrow between £350 and £25,000, subject to status. You must be over 21 to apply, and you must have lived in the UK for at least 3 years.
Do I have to pay a deposit?
A deposit is not required, but if you want to pay one and so reduce the amount you borrow, this is completely up to you.
How much are the repayments?
Obviously this will depend on the amount you borrow and whether you pay a deposit. Our staff will show you, completely without obligation, the monthly repayments for your particular treatment.
CALCULATOR LINK:
Calculate for yourself the monthly repayments for your treatment by entering the cost in the Chrysalis calculator:
How do I make the repayments?
The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject to the usual guarantee from your bank.
When can I start the treatment?
Immediately – as soon as the credit agreement has been signed.
What if I decide that I don’t want the finance?
There is a statutory ‘cooling off’ period of 14 days after signing the agreement during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.
Who provides the finance?
The finance is arranged through Chrysalis Finance Ltd., a company authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193
APPOINTED REPRESENTATIVES:
“M Sarwar Limited trading as Centre for Surgery is an Appointed Representative of Chrysalis Finance Limited which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking.”
Chrysalis Finance has a very informative website and they are available to assist you over the phone or online if you have any questions. You can also speak to one of our patient care coordinators to learn more about cosmetic surgery finance.
