Making It Possible
Financing
Financing
Your Surgery
The decision to pursue surgery should be driven by your goals — not by whether you can write a single check.
The decision to pursue surgery should be driven by your goals — not by whether you can write a single check.
Choose up to 3 programs to compare side by side.
Based on the procedure range and financing program selected. Actual rates depend on creditworthiness and are determined at application.
These are estimates only. Actual monthly payments, APR, and terms are determined by CareCredit or PatientFi based on your credit profile. CareCredit deferred interest programs charge retroactive interest on the full original balance if not paid in full within the promotional period. PatientFi does not use deferred interest. Ask our team about the differences before applying.
Ready to discuss your options? Our team can walk you through the application process and help you choose the program that fits your timeline.
Edition works with CareCredit and PatientFi — two of the most trusted names in patient financing. Both offer promotional 0% interest periods and extended payment plans. Understanding the differences between them helps you choose the right one for your situation.
CareCredit is a healthcare credit card accepted by over 260,000 providers nationwide. Once approved, the card can be used for any future healthcare expenses — not just plastic surgery. Promotional periods of 6, 12, 18, and 24 months offer 0% interest if paid in full. Extended plans of 24–60 months offer reduced APR financing.
PatientFi is a patient financing platform built specifically for elective healthcare, with a lending model that tends to approve patients who may not qualify for traditional healthcare credit cards. Unlike CareCredit, PatientFi does not use deferred interest — meaning you only pay interest on your remaining balance, not the original amount.
We recommend applying before your consultation if you already know financing will be part of your plan — knowing your approved amount helps both you and Dr. Schwartz have a realistic conversation about what's achievable. You can also apply after your consultation once you have a specific procedure and quote in mind. Approval decisions are typically instant or within 24 hours.
Deferred interest means that if you do not pay the full balance within the promotional period, interest is charged retroactively on the original amount — not just the remaining balance. This can result in a significant surprise charge if even a small balance remains at the end of the promotional period. PatientFi does not use deferred interest. CareCredit's promotional plans do. Understanding this distinction before choosing a program is important.
Both CareCredit and PatientFi perform a hard credit inquiry when you apply, which may temporarily affect your credit score by a few points. Pre-qualification checks, where available, use a soft inquiry and do not affect your score. If you are planning to apply for a mortgage or other major credit in the near future, discuss timing with your financial advisor.
Yes — financing can be applied to any procedure or combination of procedures performed at Edition. If you are considering a mommy makeover or other combined case, your financing amount simply needs to cover the total quoted cost. The calculator above includes a mommy makeover estimate and a custom amount option for this reason.
We do not offer in-house financing. Working with established patient financing partners allows us to offer more competitive rates and terms than we could provide independently, and keeps the financial relationship with a dedicated lender rather than with your surgical practice — which we believe is the cleaner arrangement for both parties.
Consultation fees are not typically financed separately — they are applied toward your procedure cost if you proceed. Your financing amount covers the surgical fees quoted at your consultation.
Ewa can walk you through your financing options, answer questions about the application process, and help you understand what to expect before you apply. There is no obligation.