Financing
Your Surgery
You don't have to pay for surgery all at once.
Choose up to 3 programs to compare side by side.
Your Estimated
Monthly Payment
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 rates shown are its published reduced-APR rates. PatientFi rates range from 6.99% to 32.99% depending on credit. If a CareCredit promotional purchase is not paid in full within the promotional period, interest is charged from the purchase date on the full original amount. If a PatientFi promotional plan is not paid in full in time, the interest that built up during the promotion is charged, figured on the declining balance. Ask our team about the differences before applying.
Our team can go through the application with you and help you choose a program.
CareCredit
and PatientFi
Edition works with CareCredit and PatientFi. Both offer promotional 0% interest periods and longer payment plans. The main difference is how they charge interest.
CareCredit is a healthcare credit card accepted by over 260,000 providers nationwide. Once approved, you can use the card for future healthcare expenses as well as 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.
- 0% promotional periods of 6 to 24 months
- Extended plans up to 60 months at reduced APR
- Reusable healthcare credit card
- Accepted at dental, vision, veterinary, and other providers
- Deferred interest: interest on the full balance if not paid within the promo period
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. If a PatientFi promotional plan is not paid in full in time, you owe the interest that built up during the promotion, figured on your declining balance. CareCredit figures it on the full original amount.
- 0% promotional periods available
- Promotional interest figured on your declining balance, not the original amount
- Extended terms up to 60 months
- Designed for elective procedure patients
- Quick online application with fast decisions
What Patients Ask
If you already know you will use financing, apply before your consultation. Knowing your approved amount lets you and Dr. Schwartz talk realistically 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. Even a small balance left at the end of the promotional period can bring a significant surprise charge. CareCredit's promotional plans work this way. PatientFi's promotional plans also charge the interest that built up if the balance is not paid in full in time, but they figure it on the declining balance rather than the original amount, so the charge is smaller.
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 cover any procedure or combination of procedures at Edition. For a mommy makeover or other combined case, your financing amount needs to cover the total quote. That is why the calculator above includes a mommy makeover estimate and a custom amount.
No. We work with CareCredit and PatientFi instead. They can offer better rates and terms than we could, and your loan is with a lender rather than with your surgeon.
Consultation fees are not usually financed separately. They are applied toward your procedure cost if you go ahead. Your financing amount covers the surgical fees quoted at your consultation.
Questions About Financing?
Ewa can go through the financing options and the application with you before you apply. There is no obligation.