How can I pay for my cosmetic surgery procedure with 0% finance?
The cost of a cosmetic surgery procedure includes 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 ensure 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 an effective option that works for them. Many patients who have been diligently saving up for the procedure often prefer this payment method as they can 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 viable 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 want 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 in 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 what 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 have lived in the UK for at least three 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.
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 at 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
“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.