Liposuction Financing in Miami, FL
Cosmetic liposuction is not covered by insurance, but multiple healthcare-specific lenders offer 0% promotional-APR and longer fixed-term plans. This guide summarizes the options most Miami plastic surgeons accept and what monthly payments realistically look like.
Medically reviewed by Dr. Camila Ortiz, MD, Board-Certified Plastic SurgeonLast reviewed: 2026-06-01Last updated: 2026-07-01
Common financing partners
CareCredit
6–24 month 0% APR promo options for approved credit; longer fixed plans at competitive rates.
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Alphaeon Credit
Cosmetic-specific card with promotional financing.
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PatientFi
Fixed monthly plans, 12–60 months.
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HFD
In-house friendly plans coordinated by the surgeon.
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Prosper Healthcare Lending
Longer-term personal loan structure.
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Payment logistics
- Deposits of $500–$2,000 hold surgery dates.
- Full payment is required 2–4 weeks before surgery.
- Cashier's check, wire, or accepted credit cards.
- Financing approvals typically take under 15 minutes.
Frequently asked questions
- Does insurance cover liposuction?
- Cosmetic liposuction is not covered by insurance in Florida. Medically necessary lipedema resection may be covered in select cases with documentation.
- Which financing companies do most Miami surgeons accept?
- CareCredit, Alphaeon Credit, PatientFi, HFD, and Prosper Healthcare Lending are the most common. Each offers 6–24-month promotional-APR options and longer 36–72-month fixed plans.
- What is a typical monthly payment?
- A $10,000 procedure at 24 months at 0% promotional APR is ~$417/month. The same procedure at 60 months at 14% APR is ~$233/month with total interest.
- Do I need a co-signer?
- Most companies approve independently based on credit. Approvals in the 620+ FICO range are common with prime rates for 720+.
- Is a deposit required?
- Most surgeons require a deposit ($500–$2,000) to hold your surgery date, credited against the final balance.
Your surgeon
Dr. Alejandro Reyes, MD, FACS
Board-Certified, American Board of Plastic Surgery · Florida Medical License ME #PLACEHOLDER
17+ years of body-contouring practice in Miami. Technologies used: VASER 2.2, MicroAire PAL, BodyTite (InMode), Renuvion (Apyx), Tickle Lipo. Hospital privileges: Baptist Health South Florida, Mount Sinai Medical Center Miami Beach. Consultations in English and Spanish.
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