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Frequently Asked Questions |
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SurgeryFinancing.com provides patients attractive financing programs for all levels of credit with the most options available. We offer "No Interest Financing" for 3, 6 and 12 months and offer an exclusive "Deferred Payment" option up to 3, 6 and 12 months. These unique programs not only allow you to save interest, but allow you the flexibility to assist your budget. Additionally, our unique deferred program allows you comfortable time to recuperate from your cosmetic procedure prior to having to rush back to work and start making payments. Additional Features of our loans include:
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Surgeryfinancing.com has an extensive network of participating physicians for patient financing. If you have a chosen physician that is not currently a participant in our finance program, our provider relations representatives will make immediate contact with the physicians office and make financing arrangements. We ask of you to provide us with the name and telephone of your chosen physician. If you require a physician referral, our provider relations representatives will provide you with the up most qualified physicians for your desired procedure along with the best price value. We can set you with a free consultation to meet with physicians in your area allowing you the opportunity to get informed and choose your desired physician. |
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Depending on which program you qualify for or choose from, there is no interest on our No Interest Financing programs for the first 3, 6 or 12 months of your loan. Interest rates will vary depending on your credit background and which programs your doctor participates in. Interest rates start at 4.9% and go up to 17.9% on our standard repayment programs. This translates to not only the lowest but the broadest range of Interest rates allowing patients of all levels of credit for highest chance of loan approval. |
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The credit requirements for Surgeryfinancing.com are designed to provide the broadest range of loan options for patients of all levels of credit. Your credit profile and credit history will be the main decision factor of your loan consideration. See our credit resource section to help you understand your credit profile. If your credit profile and credit history does not initially meet the approval requirements, the next step would be to reapply with a qualified co-signer. Please feel free to contact us with assistance or questions. |
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Surgeryfinancing.com prides itself in its customer service and efficiency. If you apply online, upon completing your application you can call our office during business hours from 7:00 am to 5:30 pm Monday thru Friday to get an immediate answer or await an e-mail response. E-mail response time varies depending on how many underwriters are reviewing your loan application to provide you the most and best loan options. If you or your doctor fax us your application we will fax back an answer to your doctor within minutes of receiving a completed application. If you apply by phone, we can give you a credit decision upon completing your application. |
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Yes, Surgeryfinancing.com allows both relatives and non-relatives as Co-signers. Your Co-signer however needs to have a good credit profile and history with no current delinquencies or collections. To reapply with a co-signer, simply go to our online application and check the appropriate box "I am reapplying with a Co-Signer" so that you need not to refill all of your application information again rather only the co-signers information. |
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Following your loan approval notification, please promptly call you loan consultant and provide the following three important items of information:
It is crucial to have your loan documents completed and returned to us promptly prior to your procedure date. Physicians generally require payment in advance and any delay may postpone your procedure date. |
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Depending on the type of loan you have been approved for, your loan approval is either good for 30 days or for 365 days from the date of the original approval. If your cosmetic procedure date will take longer than 30 days to schedule, please be sure to notify your loan consultant to make appropriate arrangements. |
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Your first payment depends on the type of your loan. Traditionally, your first payment is due 30 to 45 days from the date you signed your loan documents or the date of your cosmetic procedure. If your loan includes the "Deferred Payment" option then your payment starts upon the end of your 3, 6 or 12 month deferment period. |
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Surgeryfinancing.com provides financing for all elective medical and dental procedures. Below are examples of different types of procedures for financing. If you have a medical procedure that is not listed below, please contact our office and provide us the details of your procedure.
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