- You can use Alphaeon Credit for plastic and cosmetic surgery at enrolled practices only.
- Purchases of $250 or more can qualify for a promotional plan.
- Deferred-interest promos are $0 interest only if paid in full before they end.
- Low-APR plans give a fixed payment with no back-charged interest.
What you can pay for
At a plastic surgeon that accepts the card, you can usually put these on your Alphaeon Credit account:
- Breast procedures
- Body contouring and tummy tucks
- Facial procedures
- Eyelid and nose surgery
- Non-surgical cosmetic treatments
- Anesthesia and facility fees billed by the practice
Example: a $8,500 treatment
Here’s what an illustrative $8,500 purchase could look like on each plan type. Your actual plans depend on the practice and the amount.
| Plan | Interest you pay | Monthly payment |
|---|---|---|
| Deferred interest, 12 mo | $0 if paid in full | $709/mo |
| Deferred interest, 24 mo | $0 if paid in full | $355/mo |
| Low APR, 36 mo at 18.90% | $2,701 | $311.15/mo |
| Low APR, 60 mo at 20.90% | $5,269 | $229.48/mo |
On a deferred-interest promo, paying only the minimum can leave a balance at the end, and then interest is charged on the full $8,500 back to the purchase date. Check your payoff number.
Tips before you sign
- Ask for an all-in quote that includes the surgeon, anesthesia, facility and follow-up fees.
- Large balances can be hard to clear in a short promo; compare the monthly payoff amount with a low-APR plan.
- If the total is above your credit line, ask about a limit increase or cover the gap another way.
Questions to ask the front desk
- Plan typeIs this deferred interest or a fixed equal-payment plan?
- End dateWhen exactly does the promo end?
- Total costDoes the quote include every fee?
- RefundsHow are cancellations refunded to the card?
How to find a plastic surgeon that accepts Alphaeon Credit
- Use the “Find a Doctor” locator on goalphaeon.com.
- Call the practice and ask if they accept Alphaeon Credit and which plans they offer.
- Already a cardholder? Ask at check-in. Once approved, you may be able to pay with your account number before the card arrives.
If Alphaeon Credit isn’t the right fit
Personal loan ($200–$5,000)
- Works at any provider, not just enrolled ones
- Fixed APR and payment, no deferred interest
- Checking your rate is a soft inquiry
- APR depends on your credit
Other healthcare financing
- CareCredit has a larger provider network
- Cherry offers true 0% plans where available
- Sunbit offers fixed payments at checkout
- Each works only where the provider offers it
Check your personal loan rate or compare Alphaeon vs CareCredit.
Frequently asked questions
Can I use Alphaeon Credit for plastic surgery?
Yes, at plastic surgery practices that accept the card. Many cosmetic surgeons are enrolled with Alphaeon Credit.
What if my surgery costs more than my credit line?
You can ask for a limit increase, pay the difference another way, or use a personal loan for the gap.
Does the card cover anesthesia and facility fees?
It can cover any charges made through the enrolled practice. Fees billed separately by another provider may need a different payment method.