Patient Resources
Patient Financing for Med Spa Treatments
Affordable payment plans make aesthetic treatments accessible. Compare financing options, understand costs, and find the right plan for your budget.
How Patient Financing Works
Step 1
Apply in Minutes
Complete a quick application online or at your provider's office. Most decisions are instant.
Step 2
Get Approved
Receive your credit limit and choose a payment plan. Many offer 0% APR promotional periods.
Step 3
Pay Monthly
Split your treatment cost into affordable monthly payments. No surprise fees.
Compare Financing Providers
Each provider has different approval criteria, interest rates, and coverage. Choose based on your credit situation and treatment needs.
| Provider | Type | APR | Approval | Best For |
|---|---|---|---|---|
| CareCredit | Healthcare Credit Card | 0% promotional (6-24 months) | Credit check required | Patients with good credit who want promotional 0% APR |
| Cherry | Point-of-Sale Financing | 0% for qualifying patients | Soft credit check (no impact on score) | Quick approval at the provider's office |
| PatientFi | Patient Financing | 0% options available | Soft credit check | Plastic surgery and high-value aesthetic treatments |
| Denefits | Payment Plans | Varies by plan | 100% approval (no credit check) | Patients with limited or poor credit |
What Treatments Can Be Financed?
Almost all med spa treatments qualify for financing. Here are estimated costs and monthly payments with 12-month 0% APR plans.
Botox
Typical Cost
$300-$600
Monthly (12 mo)
$25-$50/mo
Dermal Fillers
Typical Cost
$600-$1,200
Monthly (12 mo)
$50-$100/mo
Laser Hair Removal (Package)
Typical Cost
$1,200-$3,000
Monthly (12 mo)
$100-$250/mo
CoolSculpting
Typical Cost
$2,000-$4,000
Monthly (12 mo)
$167-$333/mo
Microneedling (Series)
Typical Cost
$900-$1,800
Monthly (12 mo)
$75-$150/mo
GLP-1 Weight Loss (3 months)
Typical Cost
$1,500-$4,500
Monthly (12 mo)
$125-$375/mo
Chemical Peel (Series)
Typical Cost
$450-$900
Monthly (12 mo)
$38-$75/mo
HydraFacial (Package)
Typical Cost
$600-$1,200
Monthly (12 mo)
$50-$100/mo
Frequently Asked Questions
Can I finance Botox and other med spa treatments?
Yes. Most med spas accept financing through CareCredit, Cherry, PatientFi, or similar providers. You can split treatment costs into monthly payments, often with 0% APR promotional periods ranging from 6 to 24 months.
Does applying for med spa financing affect my credit score?
It depends on the provider. Cherry and PatientFi use soft credit checks that do not affect your credit score. CareCredit performs a hard credit inquiry. Denefits offers 100% approval with no credit check at all.
What is the minimum credit score needed for CareCredit?
CareCredit generally requires a credit score of 620 or higher for approval. However, approval depends on multiple factors beyond just your score. If denied, consider Cherry, PatientFi, or Denefits as alternatives.
How much does it cost to finance a med spa treatment?
With 0% APR promotional financing, you pay only the treatment cost divided into monthly payments. For example, a $600 Botox treatment financed over 12 months costs $50/month with no interest. After the promotional period, standard APR (typically 26-29%) applies to remaining balances.
Can I use financing for GLP-1 weight loss treatments?
Yes. GLP-1 treatments like semaglutide and tirzepatide are eligible for financing through most patient financing providers. Given the higher cost ($1,500-$4,500+ for 3 months), financing makes these treatments accessible with payments starting around $125/month.
What happens if I miss a payment on my med spa financing?
Missing payments may result in late fees and the loss of your promotional 0% APR rate. The remaining balance could then accrue interest at the standard rate (typically 26-29% APR). Contact your financing provider immediately if you anticipate difficulty making a payment.
Can I finance multiple treatments at once?
Yes. Most financing providers allow you to finance multiple treatments on a single application. This is common for treatment packages like a series of laser sessions or a combination of Botox and fillers.
Do all med spas accept patient financing?
Not all, but most established med spas accept at least one financing option. CareCredit is the most widely accepted, followed by Cherry and PatientFi. Ask your chosen med spa about their financing options before booking.
Are You a Med Spa Provider?
Offer patient financing at your practice through Cherry or PatientFi. Increase treatment acceptance rates and average transaction values. Referral bonuses available.