Self-care should be a luxury you can afford. Whether you’re considering aesthetic treatments like Botox, dermal fillers, laser treatments, or rejuvenating facials—these spa treatments work wonders to lift up your confidence but also enhance your well-being.

But let’s be honest: Quality aesthetic treatments come at a price that’s not always easy to maintain. And you don’t want to start a treatment plan without knowing you can financially afford it. The good news is that flexible med spa financing options exist to make your treatments more accessible without incurring the full cost upfront.

In this blog, we’ll walk you through opportunities to finance your medical spa treatments while keeping your finances firmly in mind.

Create a Budget Before You Book

We all deserve a little pampering, but it’s important to keep your budget in mind to make your med spa experience as stress-free as possible. Before scheduling your aesthetic treatment, take a moment to look over your finances. A little planning can go a long way in figuring out how your treatment costs fit comfortably into your lifestyle.

How to set yourself up for success from the start:

1. Review your monthly income and spending to see what you feel comfortable allocating toward self-care. A simple rule of thumb is to treat your medical spa treatments like any other investment in your well-being—whether it’s a gym membership, nutrition plan, or mental health care.
2. Set a fund that allows you to indulge without stretching your finances too thin.
3. Explore payment options to find a payment plan that works best for you, now that you know what you can afford.

Payment Plans & Methods for Med Spa Financing

1.Buy Now, Pay Later (BNPL) Monthly Payments

Many medical spa services offer flexible pay-over-time solutions, allowing you to split the total treatment cost into manageable monthly payments. Popular options include Cherry or CareCredit and in-house payment plans, which let you enjoy treatments now and pay over time.

Unlike a traditional down payment, BNPL plans don’t require an upfront payment. Instead, you will have to pay monthly in fixed installments—often with little to no interest if paid within a specific timeframe.

When considering BNPL for your medical spa treatments, look for:

• Interest rates – Some providers offer 0% APR financing for a set period (Pure Aesthetics included).
• Approval requirements – Some plans require a credit check, while others offer instant approvals with minimal qualifications.
• Flexibility – Make sure the payment schedule aligns with your financial situation.

Allē Payment Plans Powered by Cherry

With Allē Payment Plans by Cherry, you don’t need to wait to start medical spa treatments. We give our clients the opportunity to pay over time through monthly or even biweekly payments. Allē works with your budget to determine what payment plan works best for you, so you can enjoy your treatments on your own terms.

Benefits of Allē Payment Plans:

• Doesn’t affect your credit score
• 0% APR financing options (i.e. no interest charged)
• Pick a payment plan that works in your timeline
• Quick eligibility check
• Payment calculator available to preview potential rates

2. Credit Cards

Using a credit card for your skin care or cosmetic treatments can be a convenient option. It allows you to pay back your expenses in the next pay cycle without paying in full at the time of your service. But is it the right choice for you? Weigh the pros and cons of a payment plan that involves credit charges.

Pros:

• Earn rewards or cash back on medical spa purchases.
• Take advantage of 0% interest promotional periods (if available).
• Build credit with responsible usage.

Cons:

• High interest rates if not paid off in full.
• Risk of accumulating unnecessary debt.
• Potential impact on your credit utilization ratio.

If you choose to use a credit card, look for one that offers perks like rewards on wellness spending or interest-free introductory periods. And, carefully consider your repayment strategy to avoid high interest rates. Here’s a resource guide on credit cards that are ideal for wellness.

Look Out for Special Deals

Beyond payment plan options, many med spas offer seasonal promotions, exclusive deals, packages, or memberships that make your spa visits more affordable.

VIP Memberships

Membership plans often provide exclusive pricing on routine treatments and skincare. For those who visit regularly or are interested in starting, Pure Aesthetics’ VIP Membership is ideal. With a one-time $99 registration fee and a choice of membership packages, you unlock access to one premium service of your choice every month. That alone covers the cost, and then some.

VIP members also enjoy complimentary consultations, personalized treatment plans, and exclusive pricing on additional services. You don’t just save money, you invest in a curated experience that’s tailored to your goals.

Seasonal Specials

Keep an eye on your favorite med spa’s website or social media—seasonal promotions are common and can offer serious savings on popular treatments like laser hair removal, chemical peels, and more.

Many spas also reward referrals, so bringing a friend could mean discounts for both of you. If you’re considering a series of treatments, ask about package pricing as these bundled plans are often offered at a lower rate than paying for each session individually.

Alternatives to Consider

If financing or payment plans aren’t your preferred route, there are still creative ways to make your aesthetic treatments more affordable:

• Use cash-back apps or credit card points to offset costs.
• Join loyalty programs for discounts on repeat services.
• Set up a dedicated beauty savings fund and contribute a little each month.

Now That You’re Invested in Self-Care, Enjoy It

Investing in yourself doesn’t have to cost an arm and a leg. With smart financing options and a strategic payment plan, your dream med spa experience can be within reach.

At Pure Aesthetics, we believe in making beauty and wellness accessible. Our flexible payment options include BNPL plans, monthly memberships, and financing with qualifying 0% APR options. Our membership plans offer access to VISIA skin assessments, discounts on injectables and skincare products, birthday bucks to use on products or additional services, facials, chemical peels, microneedling, and more. 

Let us help you find the perfect financing option for your needs. To make it easier for you, we have a dedicated payment calculator to explore what your payments could look like—from 3 to 24 months—with zero impact on your credit score. 

When you’re ready, book a consultation and take the first step toward looking and feeling your best.