Financing my op

I’m really eager to book my surgery date as I have had a few consultations with both pc and surgeon over the past 6 months and I’m now ready to commit to getting by BA although saving the full amount would take far too long as I could only save around £150 a month. I didn’t get accepted for the finance even though I pay my car, insurance and phone each month and various other bills so really disheartened by not getting accepted, I’m just wondering if anyone else has had this problem and other ways you have financed your surgery so I can consider some other options? I have about half the money saved already, thanks

I took a loan out with my bank, the interest rate was the same as their finance. Others have took out credit cards with about 48 months interest free on them and put it on that you could have a look at those? My Barclays one is quite good x

I’ve looked at loans but don’t think I’d get accepted for them as I use Experian and each time I check says I wouldn’t be eligible with loads from banks and don’t really want to use the other loans companies as interest is so high! I have a credit card with 25 months interest free already so might look into using that instead or getting another with a longer interest free period, thanks x

Have you tried your bank? It’s well worth going in and seeing what they say. My credit says I’d never get accepted (although I pay my mortgage on time and never been in arrears) and the money was in my bank within 3 minutes xx

Yeah unfortunately with my bank you have to be 21 or over to get a loan, I might have a look at a few others and see if I’d be eligible for one! Thanks xx

With mya finance you can take the loan out in someone else’s name as long as they meet the requirements. But with that one you need to pay half of the surgery.
Have you got anyone that could be your guarantor? Xx

If you’ve already got a interest free credit card I’d use that!
I saved up half of my money and then put half on a credit card. Have 26 months to pay it off! Cx

@isobel it sounds to me like your best option is to use the interest free credit card to finance the rest of the cost. That’s even better than getting the finance because it’s not going to cost you anything extra and you can still pay it off over a period of time. It’s good that you’ve already saved half as well so well done! Xx

Your interest free credit card would be the best option. If 26months isnt enough time for you you can alaays take out another interest free credit card at 26 months and do a balance transfer and take advantage of the new credit card interest free time x

Thankyou! I think this is the best option for me so going to go with that x

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