Application Tips

The way you complete your application for cosmetic or elective surgery financing can affect your chances of being approved. Follow these simple tips to stack the cards in your favor!

Include the Individual sharing joint accounts with you.

Your debt to Income ratio among your credit score is one of the most important factors of your installment loan application.

Make your answers count in your favor.

Be sure to include all sources of income, not just your pay, in the gross income field. This might include spouse income, other job, rental income, child support, social security/retirement or money from a trust. List only the required minimum payments, even if you are able to pay more. When payments, like rent, are shared, include only your portion of the payment. These guidelines are not a requirement but they can go a long ways towards getting your credit approval.

PLEASE NOTE: Income derived from alimony, child support, or separate maintenance payments need not be revealed if the applicant does not want the creditor to consider it in determining the applicant’s credit worthiness.

Include your desired Procedure and Physician’s Information.

If you already have a chosen Physician, including the following information will assist us getting your application expedited:

  • Physician name
  • Practice name
  • Office Contact person
  • Telephone number

It is also important to have a dollar amount of your procedures on your application. If you already know the total amount of your procedures, please include it on your application. If you do not have a quoted price currently then we will temporally consider the industry average price of your procedures as the dollar amount requested.

Don’t continue to reapply to other finance companies.

Many credit scoring models take into consideration how many times you have applied for financing in a short period of time. To protect the lenders, some credit scoring companies lower your credit score with each inquiry. So people who apply and get declined and then apply again hurt their chances of getting financing with each time they apply.

Credit scoring companies like TransUnion, Experian and Equifax don’t want you to be able to borrow more than you can afford to pay back, so they assume each inquiry will be approved and drop your score a small amount. has a broad range of options to allow all applicants a greater chance for approval. Please allow us to respond back to your application. If you are not initially approved, our loan coordinators will assist you on what steps to take to get approved.

Fill out the application completely.

There’s nothing more important than answering all the questions. When you fill-out your application, answer every question and complete all the fields.

Use your current home address, no PO Boxes.

If you have not been at your present address for more than 3 years, you may be asked to provide a previous address over the phone after submitting your initial application. PO Boxes can not be used on Credit Applications.