Aesthetic Client Financing Made Simple

Those who pursue aesthetic treatments generally want to look their best, leading to feeling refreshed and possibly becoming more confident. But often when prospective clients see the total cost for multi-session treatments, combination therapies or maintenance memberships, they may experience sticker shock and could hesitate to start a plan of treatment.

By giving patients and clients transparent estimates and a simple “pay-over-time” financing option, you can help facilitate a path for them to agree to your proposed plan without hesitating or compromising on their aesthetics goals or cherry-picking treatments.

What Is Aesthetic Client Financing?

Financing for aesthetic and wellness practices can allow clients to spread out payments for eligible services over time. Offering flexible financing can make it easy for clients to proceed with the treatment plan that best fits their goals.

Financing for cosmetic procedures is generally offered either through:

• In-house arrangements where your cosmetic team administers payment terms and collections
• Third-party financing, in which clients apply for a dedicated line of credit – if approved, they can use the credit to cover eligible aesthetics services and pay for them over time

Both financing options provide patients and clients with flexibility. A third-party financing option like the CareCredit credit card can allow them to pay for their treatments over time.* As an added benefit, your practice is paid within two business days, and your team can channel their energy into patient and client services instead of managing payment plans.

Learn More: Compare the pros and cons between third-party and in-house financing.

Cosmetic Client Financing Flexibility Matters for Out-of-Pocket Aesthetic Care

Offering third-party financing can reduce hesitation and help patients and clients commit to following through with your comprehensive clinical recommendations. This can be useful for:

• Minimally invasive treatments like injectables. These lower-commitment cosmetic procedures can be a good entry point for clients who prefer a smaller investment, both physically and financially.
• Series-based treatments like microneedling, IPL or body contouring. Since these typically require multiple sessions, aesthetic patient and client financing can empower them to book the full series and stay on schedule for optimal results.

Financing for cosmetic procedures can help clients move forward whether they’re considering a single treatment or planning a series of pre-scheduled maintenance appointments. In either case, aesthetic financing can help improve client experience and support practice growth.

Benefits of Aesthetic Client Financing for Practices

Offering a transparent estimate of treatment costs paired with a straightforward, pay-over-time option can make it more manageable for clients to agree to recommended treatment and services. Knowing they have financing for cosmetic procedures can encourage them to pre-book appointments and follow your complete aesthetics care recommendations.

Using a third-party payment solution can also reduce friction at checkout, lighten administrative staff burden and deliver more predictable flow of payments to your aesthetics practice.

Why CareCredit is a Strong Choice for Aesthetic and Wellness Practices

For providers, CareCredit is a convenient, trusted solution to integrate into your consultations and checkout. Your team can present an itemized cost estimate with a simple pay-over-time option to facilitate client acceptance of your recommended treatment plans. Your practice can be paid directly by CareCredit, helping reduce the administrative workload of in-house plans and collections and improving payment predictability. (CareCredit providers, for example, are paid within two business days.)

Clients can apply in-office and, if approved, can use the card for eligible purchases right away. Many may already be CareCredit cardholders and may be familiar with the ease of moving forward with a clear, flexible financing option that aligns with their budget and wellness goals.

Patient Financing for Aesthetic and Wellness Practices

Offering a simple financing option can help patients and clients adhere to your treatment recommendations while feeling confident that their aesthetics goals align with their budgets. Your practice benefits from a higher rate of treatment plan acceptance, a reduced administrative load and an experience built on patients’ and clients’ goals.

A Flexible Financing Solution for Your Cosmetic Practice

Want to make it easy for patients and clients to manage the cost of treatment at your cosmetic practice or business? Consider offering the CareCredit credit card as a financing solution. CareCredit offers individuals a way to pay for surgical and non-surgical treatments and procedures over time while helping enhance the payments process for your practice or business.

When you accept CareCredit, patients or clients can see if they prequalify with no impact to their credit score, and those who apply, if approved, can take advantage of special financing on qualifying purchases.* Additionally, you will be paid directly within two business days.

Learn more about the CareCredit credit card as a financing solution for your cosmetic care practice and business or start the provider enrollment process by filling out this form.

Author Bio

Gina LaGuardia is the Managing Editor of Provider Insights, where she helps shape and deliver content strategy that highlights the benefits of being a CareCredit provider. Her work focuses on creating educational, engaging content that helps health and wellness providers grow their practices and strengthen their patient financing efforts. She brings extensive experience in content marketing and social media across health and wellness, personal finance, banking, education and careers, and small business sectors.

Healthcare payment and financing solution

The CareCredit health and wellness credit card helps improve the payment experience for patients and clients, and your financial performance.

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