Paying for treatment
Financing for medspa, wellness and functional medicine treatments
Many people pay for treatments they have planned for a long time over several months. This section explains the options in plain language, compares them fairly and gives you calculators to check the numbers yourself.
This is general information, not financial, tax or medical advice. MedSpa Listings does not lend money, rate lenders or receive payment from the lenders named here. Terms, rates and availability are set by each lender and clinic and change over time, so read the lender's own terms before you apply.
The main ways to pay
CareCredit
CareCredit is a credit card made for health, beauty and wellness spending that many clinics accept. Its main draw is promotional financing, which can be useful if you understand exactly how the promotional period ends.
Cherry
Cherry is a patient payment-plan service that many aesthetic and wellness clinics offer at checkout. Patients can often see plan options quickly, which makes it a convenient comparison against a card or loan.
Alphaeon Credit
Alphaeon Credit is a healthcare credit card used for aesthetic and elective procedures at enrolled practices. Like other health cards it offers promotional financing, so the same careful reading of the promotion applies.
Deferred interest
Deferred interest means interest is calculated from the first day but only charged if the promotional balance is not cleared by the end date. It is the single most important term to understand before using a promotional health card.
HSA and FSA
HSA and FSA money can only be spent on expenses that count as medical care under tax rules. Purely cosmetic treatments generally do not qualify, but treatments for a diagnosed condition sometimes do.
Personal loans
A personal loan gives a lump sum, a fixed monthly payment and a clear end date. It is a steady option for larger treatment plans, as long as you compare the total repaid against other routes.
Clinic payment plans
Before you apply to an outside lender, ask the clinic what it can do itself. Package pricing, split payments and memberships can cost less than financing, and they involve no credit application.
Questions to ask
The same handful of questions protect you with any lender. Ask them in writing where you can, and compare the total repaid, not just the monthly payment.
Calculators
Work out a monthly payment, test a deferred-interest promotion or estimate pre-tax savings, using the figures from your own offer.
Open the calculatorsHow to pay for each treatment
Choose a treatment to see how it is usually priced, which payment routes tend to fit it and what to ask about insurance and HSA or FSA money.
- Financing Botox
- Financing Dermal Fillers
- Financing Skin Boosters
- Financing Laser Treatments
- Financing Laser Hair Removal
- Financing Microneedling
- Financing Chemical Peels
- Financing HydraFacial
- Financing Body Contouring
- Financing Skin Tightening
- Financing Thread Lift
- Financing PRP Therapy
- Financing IV Therapy
- Financing Medical Weight Loss
- Financing Ozone Therapy
- Financing Red Light Therapy
- Financing Cryotherapy
- Financing NAD+ Therapy
- Financing Lymphatic Drainage
- Financing Hormone Therapy
- Financing Lip Filler
- Financing Kybella (Double Chin Reduction)
- Financing Biostimulator Injections
- Financing Dermaplaning
- Financing Facial Treatments
- Financing Microdermabrasion
- Financing CO2 Laser Resurfacing
- Financing IPL Photofacial
- Financing Laser Tattoo Removal
- Financing RF Microneedling
- Financing Acne and Acne Scar Treatment
- Financing Sclerotherapy (Spider Veins)
- Financing Vitamin B12 Injections
- Financing PRP Hair Restoration
- Financing Lash Lift and Tint
- Financing Brow Lamination and Shaping
- Financing Feminine Rejuvenation
- Financing Hyperhidrosis (Excessive Sweating) Treatment
- Financing Botox for Migraines
- Financing Botox for Tension Headaches
- Financing PRP for Skin and Acne Scars
- Financing Face Fillers (Cheek, Chin and Jawline)
- Financing Botox for Men
- Financing Botox for TMJ, Jaw Clenching and Jawline Slimming
- Financing Hyperpigmentation Treatment
- Financing Scar Reduction Treatment
- Financing EBOO Therapy
- Financing XERF Skin Tightening
- Financing Regenerative Medicine
- Financing Mesotherapy
- Financing Peptide Therapy
- Financing Hyperbaric Oxygen Therapy
- Financing Facial Balancing
- Financing Liposuction
- Financing GLP-1 Weight Loss
- Financing Semaglutide Injections
- Financing Tirzepatide Injections
- Financing Lipotropic Injections
- Financing Emsculpt Muscle Toning
- Financing Cellulite Treatment
- Financing Stretch Mark Treatment
- Financing O-Shot
- Financing P-Shot
- Financing Rosacea Treatment
- Financing Melasma Treatment
- Financing Glutathione Therapy
- Financing Testosterone Replacement Therapy
- Financing Bioidentical Hormone Therapy
- Financing Non-Surgical Rhinoplasty
- Financing Under-Eye Filler
- Financing Cheek Filler
- Financing Jawline and Chin Filler
- Financing Microblading
- Financing Neck Rejuvenation
Frequently asked questions
What is the cheapest way to pay for a medspa treatment?
Usually paying the clinic directly or using a clinic package, because there is no lender in the middle. If you need to spread the cost, compare the total repaid on each route rather than the monthly payment.
Is financing worth it for cosmetic treatments?
It can be when you can clear the balance on time or the plan has no interest. It is a poor idea if you would struggle with the payments, so plan the monthly amount before you commit.
Can I use CareCredit or Cherry at any clinic?
No. Only enrolled clinics accept them, so ask the clinic which routes it offers for the treatment you want.
Looking for a clinic? Browse medspa listings or explore treatments.