Nowadays cosmetic surgery is no longer reserved for celebrities and the rich. With the help of a loan, everyone can afford cosmetic surgery. The credit for a breast operation is very popular here, because a beautiful breast is very important for many women. The loan is often arranged directly in the clinic. However, the offer should be carefully examined, because the loan offered is not automatically the cheapest form of financing. Therefore, the various options that this guide explains should always be examined.
Health insurers rarely cover costs
Breast surgeries are only covered by health insurance companies in exceptional cases. This is usually the case if the operation is due to an illness, such as cancer. In most cases, the woman has to pay the costs. These amount to between 5,000 and 10,000 dollars. Few people have so much money at their disposal. In this case, a loan for breast surgery can be an optimal solution.
For this, many beauty clinics have partnered with partner banks because the operations are a constantly growing market and the need is there. With a loan through the beauty clinic, the money is usually not paid out because the clinic settles it against the bank and the woman only has to pay off the monthly installments. Of course, this requires regular income and permanent employment.
Apply for credit for breast surgery at the house bank
Alternatively, there is of course the option of applying for a conventional consumer loan from the house bank in advance. This in turn also opens up the possibility of a loan comparison. This option is not available in the beauty clinic. A comparison is generally advisable, because the loan can be significantly cheaper with the house bank or a direct bank on the Internet. The free and non-binding loan comparison on the Internet is very easy and quick. Within a very short time, after all data has been entered, numerous providers are listed and the cheapest loan with the best conditions can be selected.
Surety or other collateral
If the conditions are poor and the loan is rejected, there is a possibility that a guarantor will be provided. The latter undertakes to pay the installments due if the borrower defaults. This significantly reduces the risk of credit default for the bank. Of course, the guarantor must have a good credit rating and a sufficiently high income to be accepted by the bank. If so, the chances of getting a breast surgery loan are much better. If the borrower has valuables, such as a property or life insurance, this can also be deposited as security.
If you don’t get a loan, you can also ask your family or friends if someone could lend this amount. In the best case, this happens without interest and without red tape. Nevertheless, a contract should also be drawn up so that there are no disputes later and both sides are covered. If there is no one here who can provide the money, you can also apply for a personal loan on the Internet. Many private individuals are now making their money available here to generate returns. Of course, it is also important to check the offers thoroughly.