My goodness, what a great forum, I'm so grateful for the responses to my initial post.
And you know, what really sucked me into the Boseley ad was the offer of financing, so I ask you, with "coalition" doctors (not sure what that is yet) is there the possibility of some kind of financing either in-house or otherwise, a bank that specializes in these financing procedures? Thanks so much, Peter

Yes,

Check with the doc and they have banks which offer a special financing plan for cosmetic surgery

By the way, as I'm sure you already know, the rule of thumb with financing is to check with a bank or two first to find out the rate for a loan of the size you're looking for. Then you can ask the doctors about financing options and if the offer directly from the bank is cheaper, choose the bank.

pedro-

YG is right..............check with a local banker about rates/terms/fees before checking with the HT Doc you choose. Usually, it will be cheaper to borrow directly from a bank. Often times "payment plans" have astronomically high interest rates.

I do believe most of the clinics offer some sort of financing if you're not able to find what you're looking for at a bank. Another option............a 0% (or low interest) credit card. Many have 0% for 1 year or more. If you can afford to make a decent sized payment you can end up paying 0 interest.

While I didn't take the financing, and personally, I think you should have the money saved before looking at financing something like this (what better motivation to save!), MHR offered financing options. If I recall the consult, they were offering 0% for three months. Now, as a former banker, I can tell you, most don't pay off in three months and if you don't the interest rate (typically not cheap) reverts back to day one. It's basically no different than the sofa store or used car offers. I don't think this is necessarily a negative reflection on any doctor that provides this option - it's usually just a convenience item that perhaps gets you into them quicker than you would have and actually probably costs the doc something if you do pay it off in the 0% financing period. Just check the fine print and know what you are getting, or better yet, start the Propecia and start saving.

My potential doc offers 18 months no finance charge. Using other peoples money, I'll take that deal all day while my money collects interest in a 5% cd off setting some of the cost!