Financing Options

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.

surgery loans Financing for A thru D credit
All qualified Co-signers accepted including Non-Relatives
A Simple and fast one-page contract with no income and employment verification required (O.A.C.)

care credit CareCredit works just like a credit card, but is exclusive for healthcare services.
View your account summary, make a payment online, view your transaction history.

medchoice financial Very Easy to Apply by Phone, Fax and Online with Instant Decisioning
Low Monthly Payments
No Upfront Costs
No Pre-Payment Penalties
No Annual Fees
Online Account Info & Bill Pay

my medicalloan At least a 560 credit score.
2 year minimum of established credit
3 open trade lines
1,500 gross monthly earning of verifiable income
2 year employment verification.

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 pre-qualifying, 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!

Your Consultation

During this visit you will first meet with our consultant, view several "before" and "after" photographs, and have all of your questions answered. You will be introduced to your surgeon, permitting you the opportunity to learn and discuss the technical aspects of the surgery you are interested in. At the time of your visit our staff will provide you with a price quote and scheduling information. We believe the quality of our service is foremost; however, we also recognize that cost is a valid concern to everyone. Upon request we can refer several finance companies to choose from. All you have to do is ask!

For a complimentary preliminary evaluation without having to leave the comforts of your home simply submit any photos of the areas of concern and attach them via e-mail for our surgeons to review. The photos would be most helpful if you can emulate the samples enclosed in our before and after sections. Please make them comparable in composition of the photos you see throughout our site. Email photos to info@oceansplasticsurgery.com and include a phone number and the best time of day for our consultant to contact you.

Have fun! We look forward to helping make your plastic surgery experience a happy and gratifying one!

E-mail us or (fill out the quick contact form on the side) with your most comfortable contact phone number and the surgical procedure you are interested in and you can speak with our past patients regarding their experience to get some great insight! Your initial cosmetic consultation is complimentary and we will assist you in pre-qualifying for financing. One of your most precious assets is your physical appearance. How you perceive yourself and your presentation to others has a great effect on your well being. The consideration of plastic surgery to correct or enhance your features is an exciting step toward increasing self-esteem and improving quality of life.

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