Financing Your Procedure
Surgery is a considered decision, and cost belongs in the open. Every consultation ends with a complete written quote — surgeon's fee, facility, anesthesia, and follow-up care in one number — and many procedure pages on this site publish starting figures.
For patients who prefer to pay over time, the practice works with two established healthcare financing partners: CareCredit and Alphaeon Credit. Both offer online applications, prequalification without a credit-score impact, and plans that are approved and administered by the lender.
Two financing partners
Established lenders, applications in your hands, and terms in writing before you commit to anything.
CareCredit
The most widely used healthcare credit card in the United States.
CareCredit offers promotional financing plans for healthcare expenses, with an online application that takes minutes and a prequalification step that does not affect your credit score. Plans and approval are determined by CareCredit, subject to credit approval.
Pacific Sound Plastic Surgery offers CareCredit's 6-month promotional plan: no interest if paid in full within 6 months on purchases of $200 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval.
Apply with CareCreditAlphaeon Credit
A credit card built specifically for aesthetic medicine.
Alphaeon Credit is designed for larger treatment plans, with higher credit limits and a range of payment plans, issued by Comenity Capital Bank. Prequalification does not affect your credit score, and there is no fee to apply.
Apply with Alphaeon CreditPrefer to talk it through first? The team walks patients through both applications at consultation, or by phone at (425) 818-8991.
How it works
Three steps, and the numbers stay exact at every one of them.
Get your quote
Your consultation ends with an itemized written quote, so the amount you finance is exact, never estimated.
Apply online
Prequalify and apply with CareCredit or Alphaeon Credit in minutes. Decisions often arrive immediately, subject to credit approval.
Schedule your procedure
With funding in place, you choose a date and the plan moves forward like any other.
Questions, answered
Some procedures are not elective. Breast reduction with documented symptoms, breast reconstruction, and functional eyelid surgery may be covered by insurance, and the office verifies benefits and manages pre-authorization before anything is scheduled.
Read more under insurance and cost, or see how insurers evaluate breast reduction coverage.
How does financing work at Pacific Sound Plastic Surgery?
Your consultation produces a complete written quote: surgeon's fee, facility, anesthesia, and follow-up care in one number. If you choose to finance, you apply directly with CareCredit or Alphaeon Credit, the lender approves an amount and a plan, and your procedure is scheduled with funding already settled. Terms and approval are set by the lender, subject to credit approval.
Will applying affect my credit score?
Both partners offer a prequalification step that uses a soft credit check, which does not affect your score. Submitting a full application authorizes the lender to run a standard credit check, the same as any credit application. You see where you stand before that step.
What can financing cover?
Any part of a self-pay balance: the full quoted amount, or what remains once insurance has done its part on a covered procedure. Surgical procedures and medical-spa treatments can both be financed.
Which financing partner should I choose?
CareCredit is the most widely used healthcare credit card in the country; Alphaeon Credit was built for aesthetic medicine and is designed for larger treatment plans. Both let you prequalify without affecting your credit score, and the office team walks through both options at your consultation.