Most health insurance does not cover this procedure — here's what financing actually costs, with real terms instead of a vague "financing available" mention.
Deferred interest applies retroactively to the full balance if not paid in full within the promo window.
Deferred interest applies retroactively to the full balance if not paid in full within the promo window.
Estimated rate — actual APR typically runs 6–36% depending on your credit and lender (CareCredit, PatientFi, Alphaeon, Sunbit, or a personal loan).
These are illustrative monthly-payment estimates, not loan offers. Actual terms depend on the lender and your credit profile — CareCredit, PatientFi, Alphaeon Credit, and Sunbit are among the financing partners most commonly accepted by cosmetic-surgery practices.
Based on ASPS, CareCredit, and RealSelf data · Last checked August 2026 · Full methodology →
Most health insurers treat neck lift and facelift surgery as elective and don't cover it. Financing options like CareCredit or a practice's in-house payment plan are the standard way patients cover the cost — see our financing guide for real payment scenarios.
CareCredit offers 0% APR promotional financing for 6, 12, 18, or 24 months if the balance is paid in full within the promo window. If it isn't, deferred interest applies retroactively to the entire original balance — not just the remaining amount. Beyond the promo tiers, CareCredit's extended fixed-payment plans run 17.90% APR (24 months) or 18.90% APR (36 months).
Practices commonly also accept PatientFi, Alphaeon Credit, and Sunbit, or a personal loan — APR on these typically ranges 6–36% depending on your credit profile. Compare the total cost of financing (not just the monthly payment) before committing to whichever option a practice offers you at consultation.
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