Financing Options

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Explore flexible payment plans with Cherry and CareCredit that make breast reduction surgery more affordable and easier to fit into your budget.


Breast Reduction Financing in CT

Financing your breast reduction

Cost shouldn’t stand between you and the relief you need. If you’re paying out of pocket for breast reduction surgery, the Connecticut Breast Reduction Center offers flexible financing through two trusted providers to help make the procedure more manageable.

Whether you want to spread payments over a few months or need a longer-term plan, there’s an option that can work for your budget. Both providers offer a quick application, fast decisions, and monthly payment plans designed for medical procedures.

Insurance may cover your breast reduction

Before exploring financing, it’s worth knowing that many breast reduction procedures are covered by insurance when classified as medically necessary. Our team can help you determine if you qualify. If insurance does cover your surgery, financing may not be needed at all.

Financing Surgery CT

Our financing providers

Our practice accepts financing through Cherry and CareCredit. Both are well-established, widely used financing platforms designed specifically for healthcare and cosmetic procedures. Here’s how each one works.

Cherry

Cherry is a patient-friendly financing platform built for healthcare and cosmetic procedures. It’s known for high approval rates, fast applications, and transparent terms with no hidden fees or deferred interest.

  • Apply in under 60 seconds from your phone
  • Soft credit check only (no impact on your credit score)
  • High approval rates, including patients with fair credit
  • 0% APR plans available for those who qualify
  • Flexible repayment terms from 3 to 24 months
  • No hidden fees, no deferred interest, no prepayment penalties

CareCredit

CareCredit is one of the most widely accepted healthcare credit cards in the country. It’s been used by millions of patients for medical and cosmetic procedures and is endorsed by the American Society of Plastic Surgeons.

  • Quick online application with fast approval decisions
  • Short-term promotional financing with 0% interest if paid in full within the promo period
  • Longer-term plans available from 24 to 60 months with fixed interest rates
  • Accepted at thousands of healthcare providers
  • Can be used for future medical, dental, and wellness expenses

How the two compare

Both options let you break the cost of breast reduction into monthly payments. Here are the key differences to help you decide which is the better fit.

Cherry

  • Credit check: Soft check only
  • Approval rate: High, including fair credit
  • Interest: True 0% APR for qualifying plans
  • Deferred interest: None
  • Terms: 3 to 24 months
  • Best for: Patients who want transparent terms and no risk of surprise interest charges

CareCredit

  • Credit check: Standard credit inquiry
  • Approval rate: Strong credit typically required
  • Interest: 0% promo period available
  • Deferred interest: Yes, if balance not paid
  • Terms: 6 to 60 months
  • Best for: Patients who want longer terms or plan to use the card for future expenses

How to apply

The application process for both providers is quick and straightforward. Here’s how it works.

Choose a provider

Decide between Cherry or CareCredit based on what fits your needs.

Apply online

Fill out a short application from your phone or computer. Takes just a few minutes.

Get a decision

Most applicants receive an instant or same-day decision on their approval.

Schedule surgery

Once approved, work with our team to pick a surgery date that works for you.

The Connecticut Breast Reduction Center team can walk you through both options during your consultation and help you decide which one makes the most sense for your situation. You can also apply on your own before your visit if you’d like to know your options ahead of time.

What can financing cover?

Financing through Cherry or CareCredit can cover the full cost of your breast reduction, including all core surgical fees. Here’s what’s typically included.

  • Surgeon’s fee: The cost of Dr. Reilly performing your breast reduction procedure.
  • Anesthesia fee: The anesthesiologist’s time and medications used during your surgery.
  • Facility fee: The operating room, nursing staff, equipment, and medical supplies.
  • Post-op care: Follow-up appointments and a surgical bra may also be bundled into the financed amount.

Tips for choosing the right plan

Financing is a personal decision, and the right plan depends on your budget and preferences. Here are a few things to consider.

Know your monthly budget

Figure out how much you can comfortably pay each month before choosing a term length. A shorter term means higher payments but less interest overall.

Understand the interest terms

With Cherry, qualifying plans offer true 0% APR with no deferred interest. With CareCredit, make sure you can pay the balance in full before the promotional period ends to avoid charges.

Check before you apply

Cherry uses a soft credit check, so there’s no risk in seeing if you qualify. CareCredit performs a standard inquiry, which can affect your score.

Ask the team for help

Our staff can explain both options in detail and help you choose the plan that makes the most sense for your situation.

Common financing questions

Take a look at some of the most commonly asked questions when it comes to financing surgery.

Yes. You can apply for Cherry or CareCredit on your own at any time. This lets you know your budget and options before you come in for your visit.

With Cherry, no. Cherry uses a soft credit check that does not affect your score. CareCredit performs a standard credit inquiry, which may have a small impact.

If one provider doesn’t approve your application, you can try the other. Cherry tends to approve a wider range of credit profiles. We can also discuss alternative payment options.

Yes. You can finance the full amount or combine financing with a partial cash or credit card payment. The team can help you structure a plan that works.

With Cherry, no. There are no prepayment penalties. CareCredit terms vary by plan, so confirm the details of your specific agreement.

In some cases, yes. If insurance covers a portion and you have a remaining balance, financing can help cover the difference. The team will walk you through this during your consultation.

Don’t let cost hold you back

Schedule your free consultation with Dr. Reilly. The team will review your options, walk you through financing, and make sure you have a clear plan in place before moving forward.

Get in Touch!

Do you have questions, or are you ready for a consultation? Fill out the form, and our team will reach out to schedule your visit.

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