how do you go about financing an HT?

[scarecrow]

hello,

 

I was just curious how one would go about financing an HT...

 

I am 23 years old..I make around $20-25K a year...I cannot afford to pay for an HT up front by any stretch of the imagination....

 

I own a 99 Ford Ranger..it bluebooks at about $5000....and I have decent to good credit..

 

Does anyone have any ideas on where to go to get financed? Any referrals in particular?

 

Thanks in advance

[scarecrow]

hello,

 

I was just curious how one would go about financing an HT...

 

I am 23 years old..I make around $20-25K a year...I cannot afford to pay for an HT up front by any stretch of the imagination....

 

I own a 99 Ford Ranger..it bluebooks at about $5000....and I have decent to good credit..

 

Does anyone have any ideas on where to go to get financed? Any referrals in particular?

 

Thanks in advance

[Telephone Man]

Scarcrow

 

If your credit is good you must get the offers in the mail with special intro offers on credit cards for like 0 or low interest rates for 1 or 2 years. Most clinics will take credit cards so you can get a no or low interest loan by using one of these, make sure you make payments on time or the interest rate goes into the double digits.

 

Good luck.

TMAN

[Robert_]

Scarecrow,

 

Many physicians also have arrangements with lenders to offer patient financing. I would imagine that the application process is much the same. When you start narrowing down your search for a physician and start emailing or calling them to set up a consultation, you can ask then if they offer financing.

 

I would not, however, make that a stipulation for who you decide on going with.

 

-Robert

[Smoothy]

A couple of ideas if you have a job, good credit and pay your bills.

 

- Use a personal loan with your truck as coladeral at a bank

 

- Use a new credit card offer that offers 0% or a low rate for the first 12 months (do not use credit card if it is above 9%)

 

- If you have a house, use a home equity loan and the interest is tax deductable.

 

- Many top doctors offers cosmetic financing at their office that you can request an application (I think Shapiro has this offer)

 

- the best, save as much as you can every paycheck and in about a year pay cash for a HT.

[scarecrow]

hey does Dr. Rose offer this option? Isn't he part of the Shapiro group?

 

Thanks

[gillenator]

Scarecrow,

 

Yes, Dr. Rose does work with Dr. Shapiro in Minneapolis. You can also look up Capital One on their website as they offer a formal program entitled "Cosmetic Fee Plan".

 

Interest rates vary quite a bit so your best option is a low rate credit card.