Q: Which clinics let you pay in installments instead of all upfront?

Clinics that offer installment payment plans

A:Yes, many clinics do, either with their own installment plan or through a third-party lender, so a patient can start treatment before saving the full cost. Village TMS, a New York clinic, writes that many clinics let patients pay for a course in installments across the treatment period. It adds that programs such as CareCredit sometimes offer interest-free promotional periods, and it advises asking any clinic what financing it offers before committing.¹ Many clinics also list their financing on their websites, though the depth of this information varies from nothing at all to a deep dive into multiple offerings, depending on what is best for a patient's financial situation.

LMC Laser Medical Clinic in Richmond Hill, Ontario, finances Botox, dermal fillers, laser hair removal, and other treatments through Beautifi and Affirm. The lender sets approval, rates, and terms, and Beautifi pays the clinic in advance while the patient repays monthly. LMC reports that, on average, more than 75% of applicants are approved for Beautifi loans.²

In the UK, Nuffield Health and Cromwell Hospital both arrange installment loans through Chrysalis Finance. Nuffield offers 24 months interest-free with no upfront payment, or 36 to 60 monthly instalments at 14.9% APR.³ Cromwell offers plans only for fixed price packages. Chrysalis will not lend there for Brazilian butt lifts or hyaluronic acid treatments, so a cosmetic patient should check eligibility first.⁴ For more about patient financing, see our patient financing evidence.