Applying for medical loan

I didnt have any credit in my name when I applied for a medical loan a few months ago, so I was told I would need a guarantor.
However, a week ago, I was accepted for an argos card. So now I will have something in my name for credit, and I am hoping now I will be accepted for a medical loan. How long would I usually have to wait to apply for a medical loan again? (this is a new company,not the one previously) Is it easy to get a medical loan once you have a credit/store card? The medical loan will be about £4500. Do they judge you the same way a proper visa finance company would do?

A friends daughter has been trying to get a "loan" for a boob job. In general the easier it is to get, the worse the repayment terms are going to be. Plus they load the risk onto the fee for the surgery. That is, instead of 3 grand it is 4 or 5. Having a store card for a couple of weeks is not exactly a killer credit history.

yes obviously i know its not killer credit history,. but as they say having no credit is just as worse then having bad credit.
the repayment plans start from £100/month with a £4500 loan, Im looking to have the surgery in April time, so its not going to be a "few weeks"

The point about having a credit history is that it shows that you are able to manage your money and that you are responsible about repayments. I suppose if you buy things on the Argos card and make the payments you'll be showing that, to a certain extent.

I looked into a medical loan recently and they offered me a 30% interest rate.  Even my vanity isn't worth that!

its the only  way to go I think! I dont see myself going into Barclays and saying "Can I get a loan for £4500?...." "what for?"... and me answering "breast implants" lol

its the only  way to go I think! I dont see myself going into Barclays and saying "Can I get a loan for £4500?...." "what for?"... and me answering "breast implants" lol

Why not? It would be much more sensible and is a perfectly valid reason  to borrow money.

I had a quick google scout and the surgery/loans places finance terms are insane. I would seriously reconsider it.

I also think it's unethical to offer a loan for cosmetic surgery at the interest rates, it seems to me like it preys on an insecurity and a venerability and that alone would put me off using those doctors.

Surely it would be better to separate the financial from the medical, find the best doctor and the best loan, rather than go somewhere which is all in one and compromise on the quality of your boob job and the financial terms of the loan?



 

Why not? It would be much more sensible and is a perfectly valid reason  to borrow money.

I had a quick google scout and the surgery/loans places finance terms are insane. I would seriously reconsider it.

I also think it's unethical to offer a loan for cosmetic surgery at the interest rates, it seems to me like it preys on an insecurity and a venerability and that alone would put me off using those doctors.

Surely it would be better to separate the financial from the medical, find the best doctor and the best loan, rather than go somewhere which is all in one and compromise on the quality of your boob job and the financial terms of the loan?



 

Agree 100%!

I was always under the impression banks would only really give out loans for things such as cars,home improvements,and etc.  Not for cosmetic surgery?

I was always under the impression banks would only really give out loans for things such as cars,home improvements,and etc.  Not for cosmetic surgery?

Banks will give money for whatever you want to buy as long as you can afford to pay it back. You don't technically need to give them a reason or tell them the truth, basically they only ask what you want the money for to determine if you're borrowing from Peter to pay Paul as that is a red flag and they would suggest a different type of loan. You could say Car for instance or home improvements and they would be none the wiser, but on the flip side of the coing there's no problem or reason why you can't say cosmetic surgery.

Can I be slightly rude and ask - are you in a healthy place to have surgery? I don't want to pry or be intrusive at all, but your posts on this board mention lots of different things going on with you at the moment, problems with your breasts, extreme weight loss when it sounds like you're very thin and other issues.

I wouldn't normally worry about this as your plastic surgeon would normally discuss your reasons for you, but these places that offer loans etc, probably wouldn't be that thorough  and would be more concerned with getting your money (this is a sweeping generalisation but one that is backed up by a modicum of experience with a friend) than by determining if surgery is the best thing for you.

I am concerned as your BMI clearly says you are very thin yet you consider yourself to be overweight, possibly are you having a similar thought with your breasts? That's very personal now, so I'll stop.

Have you discussed it with your GP? I appreciate you don't really like your GP, but you could consider switching GPs or possibly your GP might be more sympathetic than you think or could refer you to other NHS services including counselling (nothing wrong with having a chat with someone before you get major surgery)

Just to get this straight, I would never consider talking someone out of cosmetic surgery if they were in a good and healthy place to decide upon it. It's your body, you're an adult, your choice ultimately
 

 

The loan company I am planning on applying for works with the cosmetic surgery (Harley Medical Group) So if the surgeon says no,then there is no loan for it

Im not anoerxic or anything like that,I still have meat on me, not a skeleton or anything like that. I fit into a size 10 just fine.

Im just at the point where I want to improve myself and my body. Im very embarrassed about my breasts and wont let my partner see them because they've shrunk so much

I appreciate your thoughts though 

cheesebiscuit put into words some of my thoughts on this.

The loan company I am planning on applying for works with the cosmetic surgery (Harley Medical Group) So if the surgeon says no,then there is no loan for it

Im not anoerxic or anything like that,I still have meat on me, not a skeleton or anything like that. I fit into a size 10 just fine.

Im just at the point where I want to improve myself and my body. Im very embarrassed about my breasts and wont let my partner see them because they've shrunk so much

I appreciate your thoughts though 

HMG were pretty much who I was thinking off, high interest loans, hard sell, etc. If you're dead set on them read a lot of reviews and work out what you want, take the surgeons advice of course, but go in armed and knowledgeable and don't be bullied. 


Okay, I get you I wasn't suggesting you were anorexic, just that you were fixating on things and making them worse in your mind.

Like maybe they just look much worse to you then they would to anyone else, like with the weight thing, at your height, weight and BMI and being a size 10, no one but you would ever think you needed to lose a pound, especially by not really eating during the dayto the point where your GP says that losing so much weight in  a short space of time is making you ill - Do you see how the decision to lose more weight is not a rational decision?  If you "weigh" up the pros and cons, the cons are much larger but you're insisting that you need to keep losing the weight.

Consider this -  if I was your friend and I was a size 10 and I wanted to lose more weight, and I dropped so much weight it already made me ill but I wanted to keep going and I also wanted plastic surgery but I couldn't afford it, so I was going to get a high interest loan ... Would you tell me to go for it? You seem like a nice person, so I suspect you'd sit me down and tell me to think about it.
 
What I'm saying is, that you need to find out if the problem is your breasts, or in your head. If it's in your head no amount of cosmetic surgery will fix it. Maybe you could start putting the money away each month that the finance would be, maybe for 6 months and see if 1. you can still afford the loan after 6 months and 2. if you still feel like you want them.

Look, I'm not your mother and I don't know you in real life so this could all be moot, but I'd feel bad if I didn't say it... but anyway take care of yourself.

I agree with what Chary said.

I think you should get some counselling before you make any major commitments - financially and physically.

I find it a bit unsettling that on the one hand you have been having problems with your breasts to the point where you were worried about having breast cancer, and then on the other hand, you are looking to have your breasts enlarged.

I don't know if a legitimate surgeon would perform breast surgery on breasts that are unhealthy at the moment.

Based on the fact that you have a low BMI and still feel fat , I think you have body image issues, and until they are resolved somewhat, you aren't a very good candidate for plastic surgery.

I'm not even sure if your breasts are as small, in proportion to the rest of you, as you think they are. Since your mind doesn't seem to have an accurate picture of how much you weigh, it might not have an accurate picture of the size of your breasts.

Also, have you taken into account the fact that if you are very thin, having your breasts enlarged could cause you back problems?

I'm also curious about how you "fit" into a size 10, as I wear a size 8-10 and I have a higher BMI than you. It could be that our fat/muscle ratios are very different, we have very different body shapes or that your clothes are baggier than you think.  

Regarding anorexia, anorexia doesn't have to do with how much you weigh, it has to do with your attitude and behaviour around food. That is why people who naturally weigh much less than average but have normal eating habits get irritated when they are accused of being anorectic.

Please don't take these posts as criticism. We are concerned about you.

ETA: Chary said it much better than I could.

I haven't read Ah-Loom-In-Num's posts in other boards concerning her breast health, and I completely understand the legitimate concerns for her well-being here, but I do want to point out that there are reasons for cosmetic breast enhancement beyond simply enlarging them. My friend nursed without a nursing bra, and her breasts are now extremely distorted and between the two of them, are radically different shape and size. She wants to have a breast enhancement done, and I understand and support her. I don't know the OP personally, but for her, it may be more than just putting disproportionately large breasts on a tiny frame.