LASIK Financing Programs – What Are My Options?
If you are not independently wealthy, you are going to need to look into all of your LASIK financing options. Some people get an idea of the average laser eye surgery price, and then wrongfully assume that there is no other way to pay for the procedure. Just as there are companies that help consumers to finance new cars and houses, there are many different ways to get assistance to pay for LASIK surgery.
There are a couple of different ways that you can get LASIK financing. You can locate a company that specializes in financing cosmetic procedures, or you can local your preferred surgeon first and find out if in-house financing is an option. You can discuss LASIK eye surgery costs over the phone, or you can shop at a few different corrective eye surgery facilities to get more information.
Also remember that different types of LASIK procedures cost different amounts of money. LASIK for astigmatism may be more or less expensive than no touch laser eye surgery. Remember that these LASIK financing companies generally approve applicants based on credit requirements. That is, you need to show that you have to ability to repay your debt before you can hope to have the cost of your LASIK surgery financed.
Just as you should shop around for a good LASIK surgeon, you should also look for LASIK financing companies with the lowest interest rates. Additionally, applicants should find out if there are any early repayment penalty clauses. This would force you to pay a fee because the finance company would not get the amount of interest first anticipated.
Lastly, you can look into getting a personal loan from a bank or credit union that you have a close working relationship with. Since LASIK usually costs in the neighborhood of several to tens of thousands dollars, there is the chance that you can use real estate or other tangible properties as collateral. LASIK surgeons don’t expect their patients to go broke paying for their procedures, but it is up to you to find viable financing options so that you can truly enjoy your improved level of eyesight.