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Plastic Surgery Loan Bad Credit

If you are seeking a plastic surgery loan bad credit can be a definite deal breaker.  Many banks won’t lend to you unless you provide substantial collateral or can convince a family member or friend to serve as a co-signer.  You may resign yourself to being unable to alter whatever feature or flaw you have. But you shouldn’t give up until you give LoanNow a try.

bad creditWhy Borrowing Is Necessary 

With a narrow range of exceptions, plastic surgery is normally not covered by insurance. If you have funds set aside in a Health Savings Account or a Flexible Spending Account, you might be tempted to tap into that money. But unlike spending for medically necessary purposes, drawing on HSAs or FSAs for elective surgery is not exempt from federal income taxes.

Bad Credit Loan Options

For many people, the only remaining option is borrowing. But when borrowing for a plastic surgery loan bad credit can definitely limit your options. Banks generally won’t approve borrowers with bad credit unless they provide collateral or a credit-worthy co-signer. The other available options often carry significant drawbacks.

Many people turn to credit cards to finance cosmetic surgery, either paying for the surgery directly with credit cards or taking a cash advance. But credit cards available to customers with bad credit often carry low credit limits. Therefore, with a credit card purchase or cash advance, essentially a plastic surgery loan bad credit often means that the funds available will be insufficient to cover the cost of the surgery.   Even if you’re able to cover the entire cost of the surgery, you incur revolving credit card debt, which means that you may eventually pay far more than the actual cost of the surgery. The price is even higher for credit card cash advances, which carry higher interest rates than credit card purchases.

Turning to a pawn shop for a plastic surgery loan bad credit is not an issue because the pawn shop is taking no risk. The merchandise or property that you turn over has a value far in excess of what the pawn shop proprietor offers in a loan.  Interest rates for pawn shop loans are extremely high, and the repayment period is short – often 30 or 60 days. If you fail to repay a pawn shop loan by the deadline, you forfeit your merchandise permanently.

LoanNow: The Better Option 

With a LoanNow plastic surgery loan bad credit is not an automatic disqualifying factor. We look beyond your FICO score to consider your entire financial picture. We say yes to many borrowers that banks turn down, while offering repayment schedules with the same manageable monthly payments as bank loans. Why not give LoanNow a try today?

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

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