Can Breast Augmentation Be Financed? What Are My Options?

Years ago, only the rich used to get breast augmentation. However, that is no longer the case. Even though you may not have plenty of money or a seven-figure income, a breast augmentation procedure that is still affordable with thoughtful preparation and the right financing options is available to you. In this article, we’ll go over the ways breast augmentation can be affordable to you.

Should You Think About Breast Augmentation Financing?

First and foremost: Breast augmentation, as well as any other cosmetic procedure, is not covered by health insurance and is not qualified for the Health Savings Account programs. This implies that you will be responsible for the entire cost of breast augmentation surgery. To avoid that you need a financing entity like Care Credit and get a loan to cover your procedure.

Breast augmentation financing options is important to consider if you meet the following criteria:

  • You want to keep your savings.
  • You require financial assistance to pay the expenses of breast augmentation.

Top 7 Financial Options for Breast Augmentation

Breast augmentation financing can assist you in achieving the look you want without going broke. However, as with any financial decision, it’s important to have knowledge of your alternatives and your responsibilities. This will help you make the best decision and prevent any unforeseen problems. The following is a list of the seven most common ways to finance breast augmentation surgery.

Borrow From Your 401K

You can borrow half of your 401K, limited to a total of $50,000. Repayment of your loan is subtracted automatically from your wages. Also, you are given five years to repay your loan. Taking a loan out from your 401K account is typically fast and easy. Best of all, interest rates are not high.

Take Out a Personal Loan

A personal loan is a quick and easy way to have funds for breast augmentation. They have a fixed interest rate and a time limit for repayment. A personal loan, especially an unsecured one,  may be the less expensive option for getting the surgery you want. Having excellent credit will lower the interest rate if you borrow money from a bank. Another advantage of this type of loan is that it can be discharged in Chapter 7 bankruptcy, if you are unable to pay it back due to an emergency. 

Loan From a Close Friend or Family Member

Your family or a close friend may be willing to lend you money for your breast augmentation.  Some patients have managed to raise enough money for breast augmentation by asking friends or family members to contribute to their breast surgery. You won’t have to worry about interest rates. Also, you will receive a lot of emotional support from your loved ones.

Home Equity Loan

A home equity loan converts the equity in your home into cash. This can be utilized to pay for your breast surgery. Interest rates are dependent on present mortgage rates, so it’s highly probable that you will get an excellent rate. It may also be tax deductible.

Credit Cards

Credit cards are a common method of financing breast augmentation surgery. To pay for your breast operation, look for a credit card with a 0% APR. Alternatively, you can use a credit card with perks to pay for your breast augmentation and earn rewards.

Payment Plan

Some cosmetic surgeons provide financing options. However, most surgeons depend solely on third-party financing businesses to organize their financing. Payment plans are appealing because they can entail cheaper monthly payment alternatives as well as lengthened payment options. They are also competitive when it comes to their interest rates as well as fees.

If you select a financing plan, it is critical that you make your payments in a timely manner. Your interest rates could increase if your payments are late or missed. 


If you’re ready for a breast augmentation surgery, the next step is to figure out how to pay for it. The above financing suggestions will assist you in obtaining the breasts you’ve always desired. This includes your 401(k), payment plan, credit cards, personal loan, etc. Contact a local cosmetic surgeon in your area to learn more about financing options. Even if you’ve had a breast augmentation but are unhappy with the results, financing is necessary to undergo a breast implant removal surgery.