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"A surgeon's job is not to determine whether a patient can afford the procedures, but rather to communicate whether the procedures can achieve the patient's goals," said Dr. Also, medical providers may have received commissions from the card issuers for new card holders or charged procedures to a patient's card before they were performed. Do not pay for multiple procedures upfront -- such as a series of Botox injections -- but insist on paying as you go. "Patients should to take a step back after the consultation and ask: 'What procedures do I really want or need? Pros: Assuming the card has a reasonable interest rate, this can be an affordable way to pay for the surgery while you maintain or even build your credit.

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The resulting saggy skin caused her to seek a breast lift and implants, and she did not have $8,000 saved to pay for the plastic surgery procedures.

Only in rare instances, such as reconstructive surgery after an illness or accident, will insurance cover the costs. Consider Kathy Riffey, a former Baltimore medical insurance analyst who lost 40 pounds.

And, unlike a credit card, you won’t be allowed to add more to the balance and dig yourself deeper in debt.

Cons: Unsecured loan interest rates can add quite a bit to the final cost (in interest charges) of your elective procedure.

The rates are usually similar to credit card rates, and will vary with the borrower's creditworthiness.