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Thread: Financing Q

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    Default Financing Q

    Ok I have the chance to finance my boobs and want to b/c I can have them faster. Ive decided to go with Unicorn as they have a same as cash payment plan.

    I would like to know if I have a better chance to get financed either for all or for half. Im paying $5725 and have most saved up.
    To have a better chance of getting financed:
    *Should I pay down my credit card half way or more? Its a very low max. amount. I am over half my limit.
    *Wait till the new year?
    *Check my credit again to make sure nothing is on there that shouldnt be? I would have to pay for it since Ive already checked in the last 12 months.

    I just want them sooner and it would be easier for me to get mostly financed right now. Im all excited after my consult and really see that it can happen now. Any advice?
    you live like an ivy vine
    you can only survive by clinging onto trees
    that's your flaw
    put down some roots so you can stand on your own
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  2. #2
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    Default Re: Financing Q

    To truly arrive at a logical answer to your question, you need to have a 'feel' for how much better the earnings potential is for dancers with breast implants in your area. If your dancing income is likely to increase 30-50 percent or more, then it makes a lot of financial sense to get them ASAP as a 'business investment' ... even if this means paying steep finance charges.

    However, if your dancing income is not likely to change much, then you really need to look at the cost of getting breast implants as a 'personal luxury' ... in which case you may want to avoid financing your boob job because of the extremely high interest rate usually associated with plastic surgery financing.

    I also assume you're not going to get implants large enough (i.e. greater than 1000cc) to qualify as a business expense tax deduction. If your implants were going to be larger than 1000cc, then you could 'write off' the cost of the surgery - effectively getting the gov't to pick up 20-30% of the cost in the form of reduced income taxes.

    If you're worried about qualifying for financing on the surgery, you'll have a better chance of getting approved if you pony up half of the surgical fee in cash and finance the other half. To loan officers, it really doesn't matter much whether or not your credit card is paid down or charged up to 75% of the credit limit - they're mostly just concerned with the available credit limit (on the assumption that even if the card is paid down this month that you could max it out next month). From that standpoint, borrowing 1/2 as much to finance the surgery represents a lower monthly payment thus a lower risk of default thus a higher probability of approval.

  3. #3
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    Default Re: Financing Q

    Im only getting them to complete my curvyness. It would help me in my earnings as it would balance me out physically. Thanks for your advice Melonie that helps clear things up.
    you live like an ivy vine
    you can only survive by clinging onto trees
    that's your flaw
    put down some roots so you can stand on your own
    -Kenpachi



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