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Qualifying for Financing for a Labiaplasty

Date posted: June 15, 2010

One thing I wrestle with is the fact that one of the medical procedures most difficult to finance through insurance is labiaplasty.  It is seen by most companies as elective surgery, and therefore not covered.  That’s why I often suggest that women who can’t afford this procedure seek out a plastic surgery loan.

Once difficult to find, you can now find dozens of plastic surgery loan programs available by doing a Google search or by asking at your plastic surgeon’s office.  This is not to say that getting financing will be easy.  Getting any loan has a few obstacles.  Specifically, your credit rating will play a key role.  Also, most of the organizations offering plastic surgery loans use internal applications in order to decide who is and isn’t a possible candidate for a loan.

The loan agency will collect details about your financial situation.  This will include information about your job situation and how long you’ve worked there. They’ll want to know if you own your own home, and yes, they’ll check into your credit history.  This credit investigation check to make sure you have less than $15,000 worth of credit card debt; that you’re a citizen; that you have two or more years of established credit; that you don’t have any tax liens or civil judgements against you; and that your unsecured debt is not more than 50 percent of your yearly salary.

Some procedures are more difficult to finance than others, especially with bad credit.  For instance, it’s quite the challenge to get a procedure such as gastric bypass with bad credit, because the procedure is so expensive.  If your credit history is poor, you might be limited to certain lenders which require that the surgery be performed by a specific medical center or clinic. You’ll also likely have a higher interest rate.

One more suggestion regarding plastic surgery and financing:  If at all feasible, you should try to improve your credit score before you try to get a loan.  You can do this by making regular payments on all your outstanding debts and by reducing the amount of money you owe to creditors. Because most plastic surgery operations are indeed elective, you can probably put off the procedure for the few months necessary to get your bills under control before you apply for financing for your labiaplasty or vaginoplasty.

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