I’ve written often about the financial end of having a labiaplasty or vaginoplasty done. Specifically, I’ve written about how much you can expect to spend, and the frustration that most health-insurance companies will not cover these procedures. Now, let’s discuss one option that is available for you, to help you afford one of these procedures–or indeed, any other plastic-surgery procedure you’d like to have done. I’m talking about the plastic surgery loan.
A loan is an option that’s overlooked by too many people. In many ways, it’s an easier option than using your credit card, in which case you might spend a lot longer paying off the various fees associated with the card. A loan often offers better repayment terms than your Visa or Mastercard is likely to offer.
So who do you go to for your loan? The most obvious option is to go to your local bank, where you will ask to take out a personal loan. If you do this, you’ll be asked to provide your credit score, which will be a large determining factor as to whether they provide the loan. However, if you receive the loan, because banks today are under greater pressure to work with people seeking loans, it’s likely that they’ll work with you to come up with a repayment plan and interest rate that you can handle.
Speaking of banks, as of this writing, Capital One is offering a loan specifically for health care purposes. Many people have reported that they have been approved for plastic-surgery procedures (although I concede I’ve not heard any report specific to labiaplasty or vaginoplasty). Their health-care loans run from $750 to $25,00, so it’s worth a try.
If your credit rating is so bad that you can’t get a bank loan, there are still a couple of other possibilities. One is to speak with someone at your plastic surgeon’s office. While not all do, many of these surgeons’ offices will have financing available right there on the premises, with interest rates somewhere in the area of 10 to 20 percent. If so, then starting the process is as simple as asking for an application when you’re there for your initial consultation.
And then of course, there’s the most “personal” of personal loans: the one you receive from a family member. While you might feel embarrassed asking for a loan for plastic surgery from someone in your family, at least there’s less fear of being sued if you’re a couple months late repaying it.