Financing

Accessible excellence. Empowering your transformation—on your terms.

Making Your Aesthetic Journey Attainable

At Cheng Plastic Surgery, we believe that achieving your personal vision of beauty should never feel out of reach. Whether you’re planning a surgical procedure, medspa treatment, or non-surgical enhancement, we offer flexible financing options to help you invest in yourself with confidence and peace of mind. Our team is here to guide you through every step of the process, including transparent pricing and flexible payment plans tailored to your goals and lifestyle.

Financing with CareCredit®

Cheng Plastic Surgery proudly partners with CareCredit®, one of the nation’s most trusted healthcare financing providers. CareCredit allows you to say “yes” to the treatments you want today and pay over time, with terms that fit your budget.

Why Choose CareCredit?

Flexible monthly payments to suit your financial comfort
0% interest promotional financing for qualified applicants
Extended payment plans available up to 60 months
Instant application process—often with immediate approval
No up-front costs or prepayment penalties
Use it for surgical and non-surgical procedures, including injectables, lasers, skincare, and hair restoration

Whether you're considering a facelift, eyelid surgery, laser treatment, or dermal fillers, CareCredit can be used to cover all or part of your treatment cost.

Already a CareCredit Cardholder?

You're welcome to use your existing CareCredit account at either of our locations in San Jose or San Mateo.

woman with blonde hair wearing a white shirt

How to Apply for CareCredit

Applying is quick, confidential, and can be done from the comfort of your home. Visit our dedicated CareCredit provider page:

Apply Now with Cheng Plastic Surgery & Medspa

If you prefer, our front desk team will be happy to help you apply in person or over the phone.

Now Offering Cherry Financing

We also offer Cherry, a simple, fast financing option that breaks your total into manageable monthly payments, without the paperwork.

Why Patients Love Cherry

Approvals in seconds with no hard credit check
High approval rates, even for those building credit
Choose from multiple payment plans
Transparent terms and no hidden fees
Use it for everything from consultations to cosmetic procedures

Apply for Cherry in Minutes

Visit Cherry’s website or ask our front desk team for help—applying is quick, easy, and completely confidential.

Pay Monthly with Cherry

Personalized Financial Guidance

We understand that every patient’s journey is unique. During your consultation, we’ll walk you through your treatment plan, provide a clear cost breakdown, and explore financing options that align with your needs. Have questions about CareCredit, Cherry, or our pricing? Contact us anytime—we’re here to help.