getting a loan

[rockman8]

I am 18 years old and I am hoping to get a job soon. After I get the job is their any way I can get a loan? I want to get one to get surgery for the gynecomastia. I am new to this and I do not know if i would qualify for it. Please just help me out and tell me how I can do it thanks!

[Paa_Paw]

Once you have a regular job and establish good credit history, It should be easy enough to get a loan to cover the cost of surgery.

Some surgeons even have people in their offices who can help with the loan application process.

Do not make the mistake of trying to pay with a charge card, The interest will wipe you out.

[captklenk]

You may be able to get a small loan without a co-sign for something low in cost, simply in order to establish some credit. My first loan years ago was on a watch. Make sure you pay on time and never miss a payment. Without any credit established, it would be virtually impossible to get a larger loan without a co-signer....someone such as a parent with good credit. While most credit card interest rates are high, once my credit was established I never had a problem getting a 12mo ZERO percent balance deal, which I would simply transfer to another low rate once the offer expired. Just some food for thought.

[George Pope, M.D.]

You will need to be gainfully employed before you can qualify for financing.  Many plastic surgeons offer financing through lending institutions.  One of the major lenders is CareCredit, but guess who owns CareCredit:  AIG, the MAJOR insurance company that just went belly-up and was bailed out by Uncle Sam.  AIG is the company with the genious CEO's who spent tens of thousands on spa treatments and a partridge hunting trip in England the week after the bail-out.  Anyway, I hear that CareCredit has really backed down on the number of loans they are approving.  Bottom line: it's going to get harder to borrow money for gynecomastia surgery before it gets easier.  You may need your parents or another relative to co-sign on a loan.

Good luck-

Dr. Pope, M.D.