Liposuction isn’t just about reshaping your body — it’s about reshaping your confidence. But for many patients, the biggest obstacle isn’t recovery time or choosing the right surgeon — it’s figuring out how to pay for it.

As cosmetic procedures like lipo, body contouring, and breast augmentation become more common, so too do the financing solutions designed to make them more accessible.

Whether you're a patient exploring options or a practice looking to boost conversion, understanding the best liposuction payment plans on the market is essential to making informed, stress-free decisions. From interest-free promotions to low-interest installments, the right plan can make all the difference.

Understanding the Cost of Liposuction Surgery

The average cost of liposuction surgery ranges from $3,000 to $7,000 per treatment area, depending on the type of liposuction, surgeon experience, and your location.

Comprehensive liposuction procedures, such as a mommy makeover, tummy tuck, or breast augmentation, can significantly increase the total cost. Be sure to account for other out-of-pocket expenses like anesthesia, compression garments, and post-operative visits that are not always included in the quoted pricing.

Some patients also choose to pair liposuction with a BBL (Brazilian butt lift) or weight loss procedures to maximize their results. These combinations increase the financial complexity and make flexible payment plans even more valuable.

What Is a Liposuction Payment Plan?

A liposuction payment plan breaks the cost of liposuction into smaller monthly payments instead of requiring the full amount upfront. These plans are often used for cosmetic procedures that aren’t covered by insurance. Depending on the provider and your credit score, you may qualify for interest-free terms or longer financing plans with low-interest installments.

Popular Liposuction Payment Plan Solutions

BNPL (Buy Now, Pay Later) Financing

Buy Now, Pay Later (BNPL) platforms like Cherry are becoming a go-to option for patients seeking flexible financing for plastic surgery procedures. With a quick application process, soft credit check, and no prepayment penalties or hidden fees, Cherry allows patients to prequalify to see their eligibility without harming their credit score.

If approved, they can split payments over time while the practice gets paid in full — often within one or two business days. These monthly payment plans are ideal for patients with a range of credit histories and financial situations.

Medical Credit Cards

Medical credit cards like the CareCredit card or Alphaeon Credit card are frequently used for elective procedures like facelift, rhinoplasty, or eyelid surgery (blepharoplasty). These cards often include a promotional period of interest-free financing — if the balance is paid off in full before the period ends. If not, interest charges can be retroactively applied at a high annual percentage rate (APR).

Approval depends on your credit check, and patients with lower credit scores may not qualify. Be cautious of deferred interest and limited loan amount flexibility, especially when combining procedures like breast lift or body contouring.

In-House Financing

Some board-certified plastic surgeons offer in-house financing directly through their office. These payment plans do not require a third-party lender, which can make the process simpler for the patient, but more complicated for the practice, which assumes all the work and risk of becoming a lender.

However, in-house options typically require a down payment, and the available loan terms may be shorter or carry higher interest rates than larger financing companies. Not all practices offer this, and credit approval standards vary widely. Because terms vary based on eligibility, patients should always review the loan terms carefully to avoid surprises.

Personal Loans

Unsecured personal loans from banks, credit unions, or online lenders can be used for cosmetic surgery, including liposuction procedures. These plastic surgery loans offer predictable installments, fixed loan terms, and can cover multiple areas of the body or non-surgical treatments like fillers or Botox.

While some offer low-interest options, many borrowers with average credit scores may be subject to high APR, long repayment terms, or prepayment penalties. Always compare interest rates and fees before applying.

Healthcare Installment Plans

Platforms like PatientFi provide special financing options with customizable monthly payments. They are popular among plastic surgeons looking for quick patient approvals.

However, many of these services still perform a credit check, and some may require higher credit scores to secure the lowest rates. PatientFi also applies deferred interest if a loan isn’t completely repaid within the promotional period, resulting in steep interest charges on the full original loan amount rather than just the remaining unpaid balance. Cherry is more consumer-friendly and never charges hidden fees such as deferred, retroactive, or compounding interest.

What Patients Should Look for in a Liposuction Payment Plan

Before choosing a plan, patients should consider:

• APR and interest charges: Look for plans with lower interest rate options or interest-free periods.
  
• Loan terms: Understand how long the plan lasts and what your monthly payments will be.
  
• Prepayment penalties: Ensure early repayment won’t incur extra costs.
  
• Credit approval requirements: Know if a hard credit check is required and how your credit score may affect your rate.
  
• Down payment expectations: Some plans require upfront cash.
  
• Eligibility for combined procedures: If you're combining liposuction with breast reduction, gynecomastia, or wellness treatments, ensure you’re eligible for full coverage.
  
• Overall financial situation: Choose a plan that works for your budget without overextending your resources.

What Practices Should Look for in a Liposuction Payment Plan Provider

When offering plastic surgery financing options, practices should evaluate:

• Approval rates: Choose a partner that supports a wide range of borrower profiles.
  
• Speed of payouts: Some platforms like Cherry offer guaranteed funding within a few business days so that the practice gets paid upfront.
  
• Ease of implementation: Providers should offer seamless onboarding and a simple application process.
  
• Fee structure: Watch for high merchant fees or revenue share requirements.
  
• Compatibility: Ensure support for all services including skin care, enhancement, and surgery procedures like breast implants or neck lift.‍
• Variety of payment options: Make sure the provider supports Visa, Mastercard, American Express, and healthcare credit card transactions.

Cherry Liposuction Payment Plans: A Win-Win for Patients and Practices

Finding the right liposuction financing solution can be the key to making treatment more manageable for both patients and practices. Whether you're exploring options as a provider or preparing for surgery as a patient, platforms like Cherry stand out by offering flexible financing, fast approval decisions, and simple monthly payment plans with no hidden fees.

Help your patients achieve the results they deserve. Find out how you can partner with Cherry today.