Hair Restoration Discussion Forum - By and For Hair Loss Patients
Go Back   Forum By and for Hair Loss Patients > Surgical Hair Restoration > Hair Restoration Questions and Answers

Welcome! This forum has over 180,000 posts and 12,000 before and after photos going back several years. To research a topic or physician, click on "Search" and enter the name.

You are currently a guest with limited access. By joining our FREE community you can post on this forum, reply privately to other members and or create your own profile, blog and photo album. Registration is easy, private and free so Join Today!

If you have any problems with the registration or login process, please contact us. If you are new please visit our FAQ.

Hair Restoration Questions and Answers Post a question for other knowledgeable forum members here. Any hair loss sufferers with good advice are also encouraged to respond.

Reply
 
LinkBack Thread Tools Search this Thread Display Modes
  #1   Top  
Old 08-09-2012, 05:19 AM
swayzedo's Avatar
Senior Member
Hard Core Real Hair Club Member
 
Join Date: Apr 2011
Posts: 126
Last Online: Today 08:25 AM
Default Methods of HT payment.

How do you guys (or gals) with the exception of having a gloriously fat wallet pay for your hair transplants?

I have all the information I need if I were to do it and I know I'd go with Farjo for FUE because he has a good reputation, Manchester is close and I have a morbid fear of flying.

I've had a graft estimate of 1500 to get the look that I want but no matter how I look at it I simply cannot afford ten and a half grand. I have never ever been overdrawn or in debt and as such I live a pretty happy stress free life. I don't plan to start the debt game with this so I was wondering about the many other wonderful ways that you guys go about it.

Of course I could do what I always do when I want something and save up the spare cash, but that might take more years that I'd like to live with looking like this.

I realise I'm shutting myself into a bit of a corner with my financial ethics but debt is really something I avoid, and even more so with the current financial mess the UK is in.

Any information will be helpful, thanks.

P.S. The estimate was from a Vinci Clinic consultation not Farjo but I assume it'll be around the same number of grafts.
Reply With Quote
  #2   Top  
Old 08-09-2012, 07:07 AM
mattj's Avatar
Senior Member
Follicular Salvation Club Member
 
Join Date: Oct 2009
Posts: 1,286
Last Online: 07-28-2013 02:55 PM
Default

If you don't have the money stored away and ready to hand over then I don't see how you can avoid getting some sort of loan to pay for the procedure. I'd be interested to hear if anyone has any secrets they can share about this, but I see no options.
__________________
------------------------------

I represent Dr Rahal.
Reply With Quote
  #3   Top  
Old 08-09-2012, 07:35 AM
RCWest's Avatar
Senior Member
Celestial Follicle Club Member
 
Join Date: Jul 2010
Posts: 2,025
Last Online: 09-05-2013 11:02 AM
Default

I've read mixed reviews about Care Credit. It is a credit card with low/no interest for the first year or two. Lots of people use it and lots of physicians on here accept it.
__________________
Finasteride 1.25 mg. daily
Avodart 0.5 mg. daily
Spironolactone 50 mg twice daily
5 mg. oral Minoxidil twice daily
Biotin 1000 mcg daily
Multi Vitamin daily

Damn, with all the stuff you put in your hair are you like a negative NW1?
Reply With Quote
  #4   Top  
Old 08-09-2012, 08:21 AM
TommyLucchese's Avatar
Senior Member
Honorary Real Hair Club Member
 
Join Date: Jan 2012
Posts: 835
Last Online: 10-19-2014 05:43 PM
Default

My parents very kindly paid for mine, otherwise I'd have had no hope at all. It does strike me how the financial side of things seem like no big deal to most people on here with comments like "you can always get another procedure" or people who have had lots done already, I wonder how the world is so rich but poor little me so...poor!
__________________
Travelled to New York from the UK for 2000 grafts in the hairline/front third region with Dr. Feller, July 27th 2012. Very happy with my results.

Propecia daily
12.5% minoxidil once daily
5% Kirkland minoxidil foam a few times per week
Avodart once/twice per week



.
Reply With Quote
  #5   Top  
Old 08-09-2012, 09:03 AM
Shampoo's Avatar
Senior Member
Honorary Real Hair Club Member
 
Join Date: Dec 2011
Location: Dixie
Posts: 920
Last Online: 10-18-2014 08:18 PM
Default

Quote:
Originally Posted by TommyLucchese View Post
My parents very kindly paid for mine, otherwise I'd have had no hope at all. It does strike me how the financial side of things seem like no big deal to most people on here with comments like "you can always get another procedure" or people who have had lots done already, I wonder how the world is so rich but poor little me so...poor!
In some cases it can simply be a case of priorities. To some a hair transplant is a top priority. More important than a new house, a new car, travel/vacations. It can be so important it warrants getting a second job to help pay for a procedure via lump sum or to cover a monthly loan payment. Many, many people have credit card balances that are more than a hair transplant, so again it is a case of priorities. A hair transplant costs about as much or less than many used cars. A used car lasts a few years, a hair transplant can last a lifetime.
__________________
Dr. Dow Stough - 1000 Grafts - 1996
Dr. Jerry Wong - 4352 Grafts - August 2012

Pro-FUT - Pro-Patient - Pro-Truth !
Reply With Quote
  #6   Top  
Old 08-09-2012, 11:03 AM
Capelli11's Avatar
Senior Member
Mentor Real Hair Club Member
 
Join Date: Aug 2011
Posts: 434
Last Online: 09-25-2014 10:44 AM
Default

I was able to finance a good portion by obtaining a 0% credit card...actually had to get 2 of them to have the credit line I needed. As noted above...if u have it as a high priority u will find a way to finance it. I just thought about all the other useless stuff I buy meaning say leasing a car...u wind up spending a lot more than a ht on it over the lease and u come away with nothing at the end...so at least a ht is forever and it will literally change ur life unlike probably any other purchase u will make. Again...it comes to how high u place getting a ht over other priorities. To me it was as high as u can get bc it was holding me back so much and now I am free...free of the hairloss burden that affected my everyday routine and life.
__________________
-HT with Dr. Rahal- December 2011- 4,616 grafts FUT

Check out my website updates: http://www.hairtransplantnetwork.com...asp?WebID=2225

My HT write up: http://www.hairrestorationnetwork.co...e-up-pics.html

My FOXBAR write up: http://www.hairrestorationnetwork.co...4-600-fut.html
Reply With Quote
  #7   Top  
Old 08-09-2012, 01:38 PM
almostdone99's Avatar
Junior Member
Veteran Real Hair Club Member
 
Join Date: Jul 2012
Posts: 29
Last Online: 08-01-2013 11:31 AM
Default

First, one must have good credit. Second, transfer ht procedure balance from one credit card to another credit card, using a promotional offer of 0% for 1-2 years. That's how I financed my ht procedures, and I paid off each credit card (eventually) with little paid interest. Like shampoo and capelli were saying.....priorities, priorities! For me, my daily mood affects my life much more than a house, car, or being in debt.
Reply With Quote
  #8   Top  
Old 08-09-2012, 02:24 PM
gillenator's Avatar
Senior Member
Follicular Salvation Club Member
 
Join Date: Feb 2004
Location: United States
Posts: 1,531
Last Online: Today 03:13 PM
Default

This may be difficult to determine or forecast but ask yourself if you can still make the payments should one lose their current employment.

Some of us have a working spouse, some have little to no debt to begin with, etc. But if you find yourself on a tight budget at present, I would not advocate going into any deep debt for a HT procedure.

Re-evaluate your budget and see how much of a payment you think you can handle even if your income was greatly reduced.

Let's say for example that magic number is say, $200 per month. Then see what interest rate you qualify for and then you will be able to compute how much of a loan amount that would yield, not exceeding the $200 monthly budget. Obviously the lower the rate, the more you will qualify for.

The key is to not put yourself in a financial situation over-extending oneself.
__________________
Gillenator
Independent Patient Advocate

I am not a physician and not employed by any doctor/clinic. My opinions are not medical advice, but are my own views which you read at your own risk.

Supporting Physicians: Dr. Glenn Charles, Boca Raton, FL - Dr. Jerry Cooley, Charlotte, NC - Dr. Jim Harris, Denver, CO - Dr. Robert True & Dr. Robert Dorin, New York, NY
Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -5. The time now is 04:33 PM.