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Thread: Financing boobies for better credit?

  1. #1
    Veteran Member Heaven777's Avatar
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    Default Financing boobies for better credit?

    Hello! I want to get my boobs done in late july so I can take the month of August off for recovery. I have no problem saving up the money. If I save 100 bucks from every shift until my surgery, I'll have it easy.

    But my credit sucks. I was late on a credit card and a few other things. But no reposessions or anything terrible. I haven't done a credit check...but I'm pretty sure it could use some help.

    What I want to know is...will it be better if I A)just pay for the procedure in cash B) Get a loan from my bank, and pay on it for like 6 months. Then pay it all off. C) Finance it through some other company D) Borrow the money from a rich family member

    I'm worried about applying for a loan with my crummy credit but I know that if I get one (high interest and all) and I do well by it, it will improve my credit. But by how much?

    Any opinions would be greatly appreciated!!
    If everything you try is a sure thing, you aren't taking enough risks. If you never fail, you put a limit on the degree to which you can succeed. In short, the only way to win big is to risk losing

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    Banned Melonie's Avatar
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    Default Re: Financing boobies for better credit?

    The finance companies which are willing to loan money for plastic surgery are a bit demanding, particularly in regard to interest rates. After all, they can't simply come and repossess your breast implants if you fail to make your payments on time LOL. However, if you do use one of these specialty finance companies, make your payments on time, and do not pay the loan off early, it will help your credit rating ... to some degree. Whether the extra hassle and the risk of being turned down hurting your credit rating further outweigh the possibility of your being approved and helping your credit rating is a judgement call.

  3. #3
    madmaxine
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    Default Re: Financing boobies for better credit?

    The average person has a few marks on their credit, and depending on what you did, or what you're trying to buy, you're still eligible for some loans.
    I'd say save up for all of it- you never know what unforseen emergency might interfere with paying the implants off on time (unexpected pregnancy, emergencies of varying kinds, like car & home repair, etc.)

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    Default Re: Financing boobies for better credit?

    Good idea Madmaxine. If I do this right I can have my boobs by October. Financing them would be a good idea for me. I will have at least 6 months of good credit by then. *gets happy*
    I would think that I and Heaven would be eligible for a loan.
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    Featured Member screaminpeachez's Avatar
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    Default Re: Financing boobies for better credit?

    I Went Through Care Credit, They Give A Few Options On Payment But, That's Usually Decided By The Plastic Surgeon..

    You Might Want To Ask Your Ps's Office Manager On Her Suggestions On Credit.

    I Personally Suggest Finding Some Poor Schmoe To Pay For It...
    "may your work like you don't need the money, love like you've never been hurt, dance like no-one is watching, screw like your being filmed and drink like a true Irishman "--anonymous
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    God/dess montythegeek's Avatar
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    Default Re: Financing boobies for better credit?

    Quote Originally Posted by screaminpeachez
    snip

    I Personally Suggest Finding Some Poor Schmoe To Pay For It...
    Don't you mean rich schmoe?

    If you want to build your credit rating there are cheaper ways. Like putting your groceries on the card and paying it almost all off each month with the balance in the bank the day the bill arrives.

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    Default Re: Financing boobies for better credit?

    I had them done twice.Ist time financed through my bank and paid almost twice the amount because of the unsecured loan. At that time going rate was 15% on unsecure based on my B+ CREDIT SCORE. The company I was refered to was 21%!yuk!

    Paid cash second time. If you can do cash or pay off your loan fast.

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    Banned Melonie's Avatar
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    Default Re: Financing boobies for better credit?

    Yes, your best alternative is to pay cash for the boob job since it would be considered a high risk unsecured loan, and if necessary take out a secured loan to purchase something else you need i.e. a car at a much lower interest rate.

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