For many women, a mommy makeover surgery is a personal decision to refresh, realign, or reclaim how they feel in their bodies after pregnancy. Whether they're exploring a tummy tuck, breast augmentation, or liposuction, the journey is deeply individual — but one thing most people have in common is the price tag.

That’s where mommy makeover financing comes in. Whether you're a patient seeking monthly payment plans or a provider aiming to expand access and boost approvals, having the right financing options makes it easier to focus on what matters: achieving your aesthetic goals on your terms.

How Much Does a Mommy Makeover Cost?

The cost of a mommy makeover varies widely, depending on which cosmetic procedures you choose and your geographic location. On average, the total can range from $10,000 to $30,000. Here's a quick breakdown of common surgeries and their estimated costs:

• Abdominoplasty (tummy tuck): $6,000–$12,000
  
• Breast augmentation or breast implants: $5,000–$10,000
  
• Breast lift or breast reduction: $4,000–$9,000
  
• Liposuction: $3,000–$8,000
  
• Brazilian butt lift: $6,000–$10,000
  
• Thigh lift, arm lift, or neck lift: $4,000–$8,000
  
• Facelift or blepharoplasty: $6,000–$12,000:
• Reconstructive surgery: varies based on case complexity

Additional expenses like anesthesia or other sedation options, the surgery center fee, and post-op care can further increase costs. Because insurance rarely covers cosmetic surgery procedures, most patients turn to plastic surgery financing to manage the investment.

Why Financing Matters for Both Patients and Providers

Financing options make high-ticket surgical procedures and non-surgical enhancements more accessible to patients — and more profitable for practices.

For patients, flexible payment options reduce the stress of large upfront costs. Whether you’re balancing wellness, family life, or budgeting for other needs, installments help you invest in yourself without financial strain. Spreading payments over time can also help manage credit utilization, which can support a stronger credit score long term.

For providers, offering multiple financing options — especially ones with high approval rates — increases procedure acceptance, boosts revenue, and reduces your collections workload. Practices can also enjoy faster payments while offloading the administrative burden to third-party lenders.

When practices provide structured payment plans and promote accessible plastic surgery financing, patients are more likely to move forward with their full cosmetic enhancement plan.

Best Options for Financing a Mommy Makeover

There are several categories of financing companies and tools to consider — each with distinct features for patients and providers.

BNPL (Buy Now, Pay Later) Platforms

Modern BNPL solutions like Cherry are changing the game for healthcare financing. These platforms allow patients to break up the cost of their plastic surgery procedures with monthly payment plans — without a hard credit check or prepayment penalties.

For patients, Cherry offers:

• Low interest rates and interest-free options
  
• Soft checks during the application process
  
• Flexible financing with low monthly payments
  
• Immediate credit approval decisions and user-friendly onboarding
  
• No origination fees, prepayment penalties, or deferred interest traps

For providers, Cherry integrates easily with practice workflows, ensures upfront payments, and removes the need to manage payment plans in-house. Practices that partner with Cherry often see improved conversions and higher patient satisfaction.

Healthcare Credit Cards

Specialized cards like CareCredit and Alphaeon Credit function like a regular credit card, providing short-term special financing and low or no-interest promotional offers.

These cards can be used for a wide range of procedures, from rhinoplasty to body lift, and are accepted by most board-certified plastic surgeons.

However, late payments or unpaid balances after the promotional period can trigger high interest rates or deferred interest. And while Visa, Mastercard, and American Express are also accepted for cosmetic surgery procedures, they rarely offer the same special offers or low-interest options as dedicated medical financing products.

Point-of-Care Lending Platforms

Platforms like PatientFi and Alphaeon Credit offer plastic surgery financing. These services offer:

• Fast credit approval decisions
  
• Long-term installments
  
• Loan options for surgeries like facelifts, weight loss surgery, or liposuction for stubborn cellulite

These options work well for patients with strong credit who want structured loans, though full credit checks are often required, which means an application will most likely harm your credit score. Both PatientFi and Alphaeon Credit charge deferred interest on loans not fully paid off during the promotional period, triggering high interest rates on the entire loan amount, and not just on the remaining balance. Nevertheless, practices benefit from seamless integration and reduced financial risk.

Traditional Personal Loans

Services like Prosper Healthcare Lending offer unsecured personal loans that can be used for a full mommy makeover or one-off procedures. These loans may offer favorable interest rates, but only for qualified borrowers, and some even allow for no-penalty prepayment.

However, the approval process can be slower, and the practice has no control over patient readiness or loan disbursement. Still, they remain a popular choice for patients who want autonomy over their financing.

In-House Payment Plans

Some plastic surgeons still offer internal payment options, which appeal to patients who prefer working directly with their provider. These can be structured with or without interest, depending on the practice.

But managing payment plans internally means the practice assumes financial risk and increased workload. Most practices today choose to partner with financing companies instead to avoid defaults and streamline operations.

Which Option Is Best?

The best financing solution depends on the patient’s credit profile, budget, and comfort level. For providers, offering a range of payment options — especially BNPL for healthcare like Cherry — ensures maximum accessibility.

Patients should compare loan terms, interest rates, and possible prepayment penalties before committing. Cherry makes this easy by conducting a soft credit check that doesn’t hurt patients’ credit scores. Meanwhile, providers should prioritize financing companies with easy integration, transparent pricing, fast approval rates, and high patient satisfaction.

Expand Your Mommy Makeover Treatment Today

With Cherry, you can offer flexible payment plans and low monthly payment options without hidden fees or complicated terms. Empower patients to schedule their transformation — whether it’s a mommy makeover, arm lift, or full body contouring — without compromising their financial health.

Want to see how Cherry payment plans can transform your business? Claim your complimentary demo today.