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Offer flexible financing to cosmetic surgery patients

Give your cosmetic surgery patients a convenient way to manage treatment costs while offering your practice a trusted financing solution from CareCredit.

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Why cosmetic providers accept CareCredit

CareCredit is a trusted financing partner that helps people, practices and businesses thrive.

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Dependable for clients

The CareCredit health, wellness and beauty credit card can be used for all the treatments and procedures you offer*—and your clients can see if they prequalify with no impact to their credit score.

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Transparent for providers

Get paid in 2 business days with no recourse if clients delay or default.** We also offer tools and resources like the Payment Calculator to help you be transparent about cost.

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Benefits for both

With over 35 years of experience and 290,000+ locations in the CareCredit network, we pride ourselves on being a trustworthy and convenient solution for both you and your clients.

A trusted partner

12 M+
Total open cardholders accounts
Attract more patients or clients, and help more people move forward with care.
290 K+
Enrolled locations
Join a robust and growing network of health and wellness professionals.
$4,800
Average first purchase
For a patient opening a CareCredit credit card in a cosmetic surgery practice.

Easy-to-manage integrated platforms

Discover how our technology partners can be used with your business management software to help enhance practice efficiency. Click the logos below to find out more.

One application. Two ways to pay for cosmetic care.

Flexible Financing Options

Credit Card

Reusable credit for ongoing care

  • Use again and again for health, wellness, beauty and animal care costs
  • Shorter and longer-term special financing starting at 6 months for purchases of $200+
  • Accepted at 290K+ locations and counting, nationwide
View details

Pay Later Loan

One-time-use loan for bigger or more defined care plans

  • Predictable monthly payments with a clear payoff timeline
  • Pay over time available for purchases of $500+
  • No surprises with fixed APR and terms, and closes once paid in full
View details

Commonly used for

Breast augmentation Liposuction Rhinoplasty Injectables

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Promotional Financing Options

Let’s get down to the details.

No Interest if Paid in Full

 

On qualifying purchases of
$200 or more

 

within 6 months

 

within 12 months

 

within 18 months

 

within 24 months

 

No interest is charged if the promo balance is paid in full within the promo period. Minimum monthly payments required.

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Reduced APR with Fixed Monthly Payments

 

On qualifying purchases of
$1000 or more

 

17.90% APR for 24 months

 

18.90% APR for 36 months

 

19.90% APR for 48 months

 

On qualifying purchases of
$2500 or more

 

20.90% APR for 60 months

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Resources for your cosmetic business

View all resources

May 2026

Patient Financing Options: In-House vs. Third-Party

Want to get more patients to say yes to care without adding financial or administrative risk? These financing options could help. Compare the pros and cons to see which may be best for your practice.

10 min read

July 2026

From Consult to Checkout: CareCredit FAQs for Cosmetic Practices

Get quick answers on how CareCredit works for aesthetic and wellness practices, including how it can help patients and clients move forward with care and what to expect operationally.

10 min read

July 2026

CareCredit Prequalification Can Help Aesthetic Clients Move Forward With Confidence

Guide cosmetic clients to explore payment options early so they can move forward with confidence. Allowing patients or clients to check if they prequalify is quick and has no impact on their credit scores.

7 min read

Real providers. Real results.

View all testimonials
Being able to offer patients a way to finance instead of straight up saying, ‘No, I can’t afford it,’ has made all the difference.
Liz Brigham
Ageless Remedies Southpark, Charlotte, NC
They get the opportunity to say, ‘Yes, I’m gonna invest now and not have to wait until later.
Jessica Leigh
The Legacy Collective, Las Vegas, NV
Being able to use [CareCredit] in my practice was just a game-changer for me.
La-Tasha Walker
La-Mon’e Aesthetics, Bryn Mawr, PA
CareCredit gives people a way to move forward with something they may have wanted for a long period of time.
Dr. Nicholas Jones
Nip & Tuck Plastic Surgery, Atlanta, GA

Explore how the CareCredit platform can help you offer more patients or clients a way to pay for care.

Explore how the CareCredit platform can help you offer more patients or clients a way to pay for care.

Get started

*Subject to credit approval

** Subject to the representations and warranties in the Agreement with Synchrony.