Your goals shouldn't have to wait on your budget. At Kitto Plastic Surgery, we've partnered with two trusted financing providers: PatientFi and CareCredit, so you can move forward with your procedure on a payment schedule that actually works for you.
Request a Consultation to Discuss Your Financing OptionsHow Financing Works at Kitto Plastic Surgery
We keep it simple. Here's exactly how our patients go from curious to covered:
Explore Your Options Before You Even Visit Us
You don't have to wait until your consultation to get started. Both PatientFi and CareCredit allow you to apply online independently, on your own time, before your appointment. Getting pre-approved gives you a clear picture of your budget before you walk through our doors.
Let Us Point You in the Right Direction
Prefer to explore financing after your consultation? No problem. Our team will walk you through both options and direct you to the right platform based on your procedure and financial goals.
Apply Online in Minutes
Both PatientFi and CareCredit offer fast online applications. Most decisions come back quickly — often within minutes, so you're not left waiting.
Choose Your Plan and Schedule Your Procedure
Once approved, select the repayment plan that fits your monthly budget, confirm your procedure date, and get ready for your transformation.
Which Procedures Qualify?
Any procedure or treatment at Kitto Plastic Surgery totaling $2,000 or more is eligible for financing through PatientFi or CareCredit. That covers a wide range of surgical and non-surgical services, including:
- Facelift (Rhytidectomy)
- Brow Lift & Eyelid Surgery (Blepharoplasty)
- Rhinoplasty
- Breast Augmentation, Lift & Reduction
- Tummy Tuck (Abdominoplasty)
- Liposuction & Body Contouring
- Mommy Makeover
- Neck Lift & Ear Surgery
- Botox & Dysport
- Dermal Fillers
- Laser Skin Resurfacing
- Body Contouring Treatments
- Medical-Grade Skincare Services
Our Financing Partners
PatientFi was built specifically for plastic surgery patients. It offers installment-based financing, not a revolving credit card, which means you get a clear, fixed monthly payment tied directly to your procedure. PatientFi offers flexible payment plans from 6 to 60 months, and checking your rate uses a soft credit check that won't affect your credit score. You may also qualify for 0% interest on plans up to 12 months, depending on your approval.
Apply with PatientFiCareCredit is one of the most widely recognized healthcare credit cards in the country. It offers no-interest promotional financing options for 6, 12, 18, and 24 months on qualifying purchases, as well as reduced APR plans over 24, 36, 48, and 60 months for larger amounts. You can check if you pre-qualify with no impact to your credit score before formally applying.
Apply with CareCreditFrequently Asked Questions
Credit requirements vary by lender and are determined by each company individually. Both PatientFi and CareCredit offer a pre-qualification check that uses a soft credit pull, meaning it won't hurt your credit score, so you can find out where you stand before you commit. We encourage patients to apply and see what they're eligible for.
Fast. Both providers offer instant decisions in most cases, so you won't be waiting days or weeks for an answer. You can apply before your consultation and walk in already knowing your budget.
Yes, and we encourage it. Both PatientFi and CareCredit allow patients to apply independently online before their visit. If you'd rather apply after your consultation once you have a confirmed procedure cost, our team will direct you to the right platform.
In most cases, cosmetic plastic surgery is not covered by health insurance, as it is considered elective. Certain procedures with a documented medical necessity such as a breast reduction for chronic back or neck pain, or reconstructive surgery following an injury, may qualify for partial insurance coverage. Our team can help clarify what applies to your situation, and financing can be used to cover any remaining out-of-pocket costs.
Rates and terms are set by each financing provider based on your individual credit profile and the plan you select. For the most accurate, up-to-date information, visit their official website.
Ready to Move Forward? Here's Your Next Step
- Request your consultation — meet with Dr. Kitto, confirm your procedure plan, and get your total cost estimate.
- Apply for financing — before or after your visit, on your own or with our guidance.
- Lock in your plan — review your approved terms and choose the monthly payment that fits your life.
- Schedule your procedure — and focus entirely on your results.
You've done the research. You know what you want. Don't let cost be the reason you wait.
