Can I pay monthly for penis filler?

Yes. Financing is available at every clinic, checking your rate uses a soft check that does not affect your credit score, and you see the monthly figure before you commit. On the $3,990 package that is about $142 a month over 36 months at 17% APR; some lenders offer 0% APR for 12 months.

What does a monthly payment look like?

Two figures, from real offers. The $3,990 Upsize™ package financed over 36 months at 17.00% APR is about $142 a month; a $5,990 package on the same terms is about $214. Some lenders offer 0% APR for 12 months to qualifying applicants — $3,990 over 12 months at 0% is $333 a month with no interest. Rates and terms vary by lender and by your credit; the figures above are estimates, not a quote.

Does checking my rate affect my credit?

No. Seeing what you qualify for is a soft inquiry and does not touch your score. A hard inquiry happens only if you accept an offer and open the account.

Who are the lenders?

CareCredit at most clinics; Cherry, PatientFi, LendingClub or United Credit at some; Medicard in Toronto. Each clinic’s page lists the ones it works with, and the financing page has the current links and a worked example for each.

What if my credit is not great?

Ask anyway — men do, usually apologetically, and approval is not limited to high scores. Income is part of the picture, and several of the lenders above are built for medical purchases at ordinary credit levels. The only way to know is a soft check, which costs nothing and leaves no mark.

What is financed, exactly?

The procedure price. The financed amount is the same figure on the pricing page — consult, procedure, numbing and follow-up visit, with no facility or anesthesia fee — and the practice adds nothing for paying over time. Interest is the lender’s, at the rate you are offered.

Deposit and balance

The usual pattern is a deposit when you book and the balance financed or paid on the day. You get the schedule in writing before you agree to anything.

Can I finance a top-up later?

Yes, on the same basis. Hyaluronic acid lasts about 18–24 months; a top-up is priced separately and can be financed the same way.

Estimated payments assume $3,990 or $5,990 financed at 17.00% APR over 36 months. Rates and terms vary by lender and credit; 0% APR for 12 months is available from some providers. Checking your rate does not affect your credit score.

Still deciding?

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