CoolSculpting is one of today’s most popular non-invasive fat reduction treatments, especially for patients struggling with areas of stubborn fat that don’t respond to diet or exercise. Using cryolipolysis, this FDA-cleared procedure targets and destroys fat cells in the treated area — whether that’s the upper arms, submental area, buttocks, or back fat. With no surgery, little downtime, and impressive body sculpting results, it's easy to see why so many patients seek it out.

But like many cosmetic procedures, CoolSculpting costs can be a barrier. Whether someone is looking to slim down after weight loss or wants a comprehensive treatment plan that includes injectables, skin care, or chemical peels, having the right payment options can make all the difference.

How Much Does CoolSculpting Cost?

The total cost of a CoolSculpting treatment can vary widely depending on several factors, including the number of treatments, the size of the treatment area, and your location. On average, a single session may cost anywhere from $600 to $1,200 per targeted area, with many patients needing multiple sessions to achieve their desired results.

CoolSculpting Elite, the newest generation of fat freezing technology, may come with a slightly higher price tag due to its ability to treat more than one area of the body simultaneously. Common treatment areas like the submental area, upper arms, and buttocks may be less expensive than larger zones like the abdomen or flanks.

Because most cosmetic procedures aren’t covered by insurance, the upfront cost can be a challenge. That’s why more medical spa providers are offering financing options to break up the cost into monthly payments that align with a patient’s financial situation.

CoolSculpting Payment Plans: What They Are and How They Work

CoolSculpting payment plans are flexible financial arrangements that allow patients to undergo non-invasive fat reduction now and pay for it over time. Instead of paying the total cost at once, patients can choose installments — monthly or biweekly — based on the provider’s offerings and the financing method selected.

Some plans are offered directly by the med spa through in-house financing, while others rely on third-party platforms like Buy Now, Pay Later (BNPL) services, healthcare credit cards, or dedicated cosmetic treatment lenders. Many options involve a soft credit check, and some require little to no down payment, making them accessible even for those with average credit scores.

For medical spa practices, these payment options remove pricing as an obstacle during the checkout conversation. Instead of losing clients to sticker shock, providers can help patients focus on their treatment plan, wellness goals, and the long-term benefits of CoolSculpting.

Whether a patient is combining CoolSculpting Elite with Botox, fillers, or other aesthetic treatments, flexible financing can make the entire experience more attainable — and far more profitable for the practice.

CoolSculpting Financing Options: Choosing the Right Fit

When it comes to paying for CoolSculpting procedures, patients today have more choices than ever before. From flexible payment tools designed for cosmetic enhancements to installment plans tailored for body contouring, the right option depends on your needs, credit profile, and treatment goals.

Whether your patients are focusing on a single fat reduction treatment or planning a full series for multiple areas of the body, there’s no one-size-fits-all approach. Here are some of the most common financing paths for aesthetic treatments, including the pros and cons of each.

Buy Now, Pay Later (BNPL)

BNPL platforms have quickly become one of the most popular financing options for cosmetic treatments — from CoolSculpting to laser hair removal, and even plastic surgery like breast implants. These services let patients split their upfront cost into monthly payments, often without hidden fees or long applications. A soft credit check is usually all that’s needed to determine eligibility.

Pros:

• Quick approvals, even with average credit scores
• No hard inquiry for most plans (Cherry never conducts a hard credit check)
• Short-term installments often include 0% interest
• Helps med spas reduce checkout drop-off

Cons:

• Some plans may require a down payment
• Missed payments can hurt a patient’s credit score

Credit Cards

Using a credit card remains one of the most common ways to pay for aesthetic treatments. Patients can apply their card to services ranging from CoolSculpting treatment and liposuction alternatives to Botox, fillers, and hair removal.

Pros:

• Immediate access to funds
• Potential for reward points or cashback
• Widely accepted at most med spa locations

Cons:

• High interest rates if balances aren't paid off
• May impact overall financial situation due to increased utilization
• Patients might already carry balances, limiting affordability
• Missed payments can negatively impact credit score

Healthcare Credit Cards

Specialty healthcare credit cards are designed specifically for medical, dental, and cosmetic surgery expenses. These can be used to pay for CoolSculpting procedures, dermal fillers, facials, Juvéderm, and other cosmetic treatments.

Pros:

• Promotional 0% or deferred interest plans available
• Reusable for future treatments and skincare products
• Higher approval rates for patients with strong credit scores

Cons:

• Requires a hard credit check
• Deferred interest can apply retroactively if not paid on time
• Patients with below-average credit scores will have a harder time qualifying

Patient Financing Platforms

Financing platforms tailored for medical spa services allow patients to spread out their CoolSculpting cost across multiple months or even years. These options can be customized based on the patient’s needs, number of treatments, or whether they’re bundled with Botox, chemical peels, or laser treatments.

Pros:

• Easy online application process with quick decisions
• Offers flexible financing terms for large or small packages
• Many perform only a soft credit check

Cons:

• Interest rates vary by credit score and plan length
• Some plans include down payments or setup fees
• Practices may need to integrate third-party tools

In-House Payment Plans

Some med spa practices offer their own CoolSculpting payment plans, especially when combining services like microneedling, Kybella, and body contouring for total cosmetic enhancements. Not every med spa offers these, however, due to the added work involved in becoming a lender — from collecting payments to reporting to credit bureaus — as well as the financial risk if the patient doesn’t pay.

Pros:

• Direct arrangement between practice and patient
• Allows custom structuring around each treatment area
• Builds trust and loyalty with repeat clients

Cons:

• Practices take on all financial risk
• Requires internal billing and tracking systems
• Limited scalability for smaller providers

Personal Loans

Patients may also turn to banks or online lenders for personal loans to finance their CoolSculpting procedure and related cosmetic surgery expenses. Though widely available, these loans can be difficult to access without a good credit score and financial history.

Pros:

• High loan limits available
• Fixed interest rates and predictable monthly payments
• Can be used for multiple areas of the body in one go

Cons:

• Requires a hard credit check
• Slower approval process than BNPL or healthcare cards
• May be subject to origination fees or prepayment penalties
• Difficult to access without good credit score

FSAs and HSAs

Although most cosmetic procedures are not eligible, some patients may use Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs) if CoolSculpting is medically recommended as part of an overall wellness plan.

Pros:

• Uses tax-advantaged funds
• Can lower out-of-pocket burden when eligible

Cons:

• Most CoolSculpting treatments are not covered
• Requires physician documentation and plan administrator approval

Tips for Practices Implementing CoolSculpting Payment Plans

If you're offering CoolSculpting payment plans at your med spa, dermatology clinic, or as a board-certified plastic surgeon, a thoughtful strategy can help you attract more patients, boost conversions, and maintain profitability. Here’s how to get started:

1. Start with a free consultation

Use the initial meeting to determine if the patient is a good candidate for non-invasive fat reduction. This establishes trust and opens the door for conversations about goals, budget, and any interest in services like facials, skin resurfacing, or filler enhancements.

2. Explain how it works

Walk patients through the treatment and financial details — how the procedure targets unwanted fat, what side effects to expect, and how installments or monthly payment plans will work. Covering eligibility, upfront cost, and total financial commitment helps manage expectations.

3. Be transparent about pricing

Clearly outline payment options, potential fees, and any required down payment. Whether a patient plans to pay with a credit card, debit card, or financing, clarity prevents checkout hesitation and builds long-term loyalty.

4. Highlight perks and promotions

If you participate in loyalty programs like Allē or accept Allergan Aesthetics rewards, let patients know. These tools can help reduce the total cost and make treatments feel more accessible. Promote any special offers prominently in your consultations and follow-ups.

5. Choose lending partners wisely

If you rely on third-party lending partners, ensure they’re easy to use, transparent, and reputable. A clunky financing process can create friction that deters patients from booking or returning for future cosmetic procedures.

6. Offer dedicated customer service

Be prepared to answer FAQs (frequently asked questions) about the CoolSculpting procedure, side effects, recovery, number of sessions, and payment logistics (when you partner with Cherry, we handle payment plan customer service for you). This builds confidence, minimizes uncertainty, and streamlines your consultations.

Help Patients Say Yes to CoolSculpting

Offering the right CoolSculpting financing choices can turn hesitant prospects into happy, long-term clients. Med spas that embrace monthly payment plans, transparent installments, and multiple payment options see higher conversions and fewer barriers at checkout.

Among the available strategies, Buy Now, Pay Later solutions like Cherry offer a mix of speed, flexibility, and accessibility — without high fees, red tape, or credit intimidation. Practices can increase revenue while patients get the benefits of non-surgical fat reduction with a plan that works for their financial situation.

Want to see why over 40,000 medical practices choose Cherry to offer payment plans? Claim your complimentary demo today.