But she wanted the filler then to feel more like herself and she wanted it right away.
Instead of feeling better, I felt I had aged several years and constantly looked exhausted, she recalls.
So she booked the appointments and charged them on her personal credit card.
Collage by Bella Geraci / Getty Images
Thankfully, the work bonus came through, and she paid it off.
But what if you didnt need the money up front?
Thats wherePRIVI, which launched in June 2023, hopes to find their market.
Cost continues to be the biggest barrier to meeting the interest and demand for aesthetic treatments and retreatment.
(PRIVI does not charge monthly interest.)
While that may prove useful for some, others are a bit skeptical of using a delayed payment option.
Even if youre not paying interest, the debt from BNPL could stillaffect your credit score.)
It wasnt until the launch of PRIVI last year that aesthetic treatments likeBotoxandmicroneedlingwere eligible for financing.
Because insurance can cover some plastic surgeries, payment is a little bit more complicated.
Lucy, a 20-something based in Dallas, had thought about abreast reductionfor years before talking to a surgeon.
I paid 20% out of pocket, which equated to about $3,000, she says.
And I paid a hospital fee which was about $1,000.
Lucy usedCareCreditfor these expenses, a credit card for health and wellness procedures.
Beyond a high APR, prospective patients need to understand the inherent financial risks of delayed payments.
To avoid financial worry over cosmetic treatments, delayed gratification rather than delayed payments may be a better answer.
Plastic surgery and aesthetic treatments when done properly are fantastic and oftentimes life changing, says Dr. Kassir.
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