Cost Comparison Checklist

An interactive checklist for comparing surgical quotes and financing offers side by side. Tick off each cost item as you confirm it, enter the figures from each written quote, and compare totals rather than monthly payments. It runs entirely in your browser, stores nothing, and links nowhere.

Quote items — confirm each one in writing

• Surgeon fee
  
• Anesthesia fee
  
• Facility or operating room fee
  
• Pre-operative testing and labs
  
• Post-operative garments
  
• Medications
  
• Follow-up visits included
  
• Revision policy and revision cost
  
• Treatment cost if a complication occurs
  
• Deposit amount and refund terms
  
• Quote validity period
  

Financing items — confirm each one in writing

• Amount financed
  
• Annual percentage rate
  
• Term in months
  
• Monthly payment
  
• Total of all payments
  
• Origination fee
  
• Late-payment fee and grace period
  
• Prepayment penalty
  
• Promotional period and what happens when it ends
  
• Whether interest is waived or deferred
  
• Whether the plan reports to credit bureaus
  
• Hardship options if income drops
  

How to use this checklist

Fill in one column per quote or offer, using only figures from written documents. Compare the total quote column first, then the total repaid column for financing. Any item a provider cannot confirm in writing should be treated as unknown, not as zero.

Print checklist

All entries stay on your device. Nothing is sent, stored, or shared, and the tool contains no links to any lender or application. You can print the completed checklist to take to a consultation.

Back to paying for plastic surgery — all options →

Educational information only. This section explains how paying for surgery generally works. It is not financial advice, it does not recommend any lender or financing product, and it contains no links to lenders or financing applications. Figures, rates, and terms vary by provider and by patient, so always confirm the full written terms before signing anything.

Last reviewed: November 2026.