Invest in Yourself, Pay Monthly
Your transformation shouldn't wait on your savings account. XY Sculpt partners with leading medical lenders so you can move forward now and pay over time — often with 0%-interest plans for qualified applicants.
Choose the Plan That Fits
Cherry
Fast pre-qualificationCheck your options in under a minute with no impact on your credit score. Cherry offers flexible monthly plans — including 0% APR for qualified applicants — with an entirely paperless approval.
- ✓ No hard credit check to pre-qualify
- ✓ Instant decision
- ✓ Autopay monthly plans
CareCredit
Healthcare credit cardOne of the most widely used healthcare credit cards in the country. Use it for your procedure and future care, with promotional financing periods available on qualifying balances.
- ✓ Reusable for future treatments
- ✓ Promotional no-interest periods*
- ✓ Widely accepted
Alphaeon Credit
Aesthetic financingA credit option built specifically for aesthetic and elective procedures, with extended repayment terms and promotional plans designed for larger treatment investments.
- ✓ Purpose-built for cosmetic care
- ✓ Extended term options
- ✓ Promotional plans*
*Promotional financing is subject to lender approval and terms. Interest may be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Our team will review all options with you before you apply.
Three Steps to Getting Started
Pre-Qualify
Apply online in minutes — pre-qualifying with Cherry won't affect your credit score.
Choose Your Plan
Compare monthly options across our partners and pick the term that fits your budget.
Schedule Surgery
Once approved, we lock in your procedure date with Dr. Moeinolmolki and get you started.
What Men Ask About Paying
Will checking my options hurt my credit?
Pre-qualifying with Cherry uses a soft credit check that does not affect your score. A formal application with a lender may involve a hard inquiry — our team will walk you through each option before you commit.
Is there a 0%-interest option?
Yes — several of our partners offer promotional 0%-interest plans for qualified applicants when the balance is paid in full within the promotional period. Terms depend on the lender and your approved plan.
Can I finance more than one procedure?
Absolutely. Many XY Sculpt patients combine procedures — for example HD VASER liposuction with gynecomastia correction — in a single session and finance the full treatment plan together.
What about gynecomastia and insurance?
Some medically necessary gynecomastia cases may be partially covered by insurance. Financing covers the remainder or the full amount for cosmetic cases. See our guide on gynecomastia insurance coverage for details.