Whether you’re a med spa looking to boost conversion rates or a patient hoping to achieve your aesthetic goals without breaking the bank, lip filler payment plans can make the process significantly easier. With rising demand for injectables, more patients are asking about payment options, and more providers are turning to flexible financing tools to stay competitive. Flexible payment solutions have quickly become a key part of delivering high-quality care and staying competitive in today’s aesthetic market.

How Much Does Lip Filler Cost?

The average cost of lip filler ranges between $500 and $1,000 per syringe. The exact price depends on factors like the brand (e.g., Juvederm), the experience of the injector, the number of syringes used, and your location.

Some clients may need touch-ups every 6–12 months, which can add up quickly, especially if combined with other wellness or body contouring services like Kybella, CoolSculpting, or laser hair removal. Because insurance typically doesn’t cover cosmetic surgery or non-surgical procedures like dermal fillers, financing options become essential.

What Is a Lip Filler Payment Plan?

A lip filler payment plan allows patients to break up the total purchase price of treatment into smaller, manageable monthly payments depending on the provider. These plans can be structured through third-party lending partners, BNPL platforms, or even in-house financing.

Instead of paying the full cost upfront with a credit card or debit card, patients can spread payments over weeks or months. Most options involve either a soft credit check or no credit check at all. Some plans require a small down payment, while others offer interest-free terms depending on eligibility.

For med spas, offering monthly payment plans helps increase accessibility, improve sales at checkout, and encourage clients to return for future aesthetic treatments like Botox, chemical peels, microneedling, or skin tightening.

The Benefits of Lip Filler Payment Plans for Patients and Practices

For patients, payment plans make treatments more accessible, without compromising on quality. You no longer have to delay your rejuvenation goals because of high upfront costs. Instead, you can start treatment right away and pay later, often with little or no interest.

For med spa owners and plastic surgeons, offering flexible payment options increases your potential client base, improves retention, and reduces price resistance. Clients are more likely to add services like a facelift, rhinoplasty, or neck lift when financing is available.

Many platforms integrate directly into your checkout process, enabling quick eligibility decisions and reducing staff time spent explaining financing. You also gain the ability to compete with other medical spa providers who already offer interest-free or low interest rate plans.

Lip Filler Financing Options for Med Spas

There’s no one-size-fits-all approach to lip filler financing. Below are the main types of financing options that med spas can offer, and what patients should know about each.

Buy Now, Pay Later (BNPL)

BNPL platforms let clients split their payment into 4 or more installments, with no hard credit check and often interest-free terms. These plans are ideal for lip filler treatments, which typically fall under $1,000, but can even be used for more involved procedures like tummy tucks and breast lifts.

Cherry, a leading BNPL platform for healthcare, offers fast application processes, soft credit checks, and approvals in under 30 seconds. For providers, Cherry integrates easily into existing systems and includes customizable monthly payment terms with no prepayment penalties.

Medical Credit Cards

Platforms like CareCredit offer dedicated healthcare credit cards that can be used for cosmetic surgery, dermal fillers, Botox, and more. These often require a hard credit check and approval is based on credit score.

For patients with strong credit, promotional interest-free periods can be appealing. However, deferred interest rates can be steep if not paid off in time, and the application process may feel more like applying for a traditional credit line than a modern BNPL.

Medical Installment Loans

Some lending partners specialize in larger aesthetic or plastic surgery procedures and offer installment loans with longer terms and fixed interest rates. These are best suited for bundles that include lip filler alongside procedures like bbl, facelifts, or weight loss programs.

Most of these platforms conduct a soft credit check initially, but may require full underwriting depending on the amount borrowed. For providers, these loans can be harder to manage and less seamless at checkout compared to financing platforms and BNPL options.

Traditional Credit Cards

Most med spas accept major credit cards like Visa, Mastercard, or American Express to cover the cost of lip filler. While this option doesn’t require new account setup or application processes, it does come with typical interest rates and monthly billing cycles.

For patients who already manage their credit well and want to earn rewards or points, using a major credit card can be convenient — especially when combined with loyalty programs or cash-back offers. However, interest can accrue quickly if not paid off in full, and minimum payments may stretch the cost of treatment over time. For providers, accepting traditional credit cards ensures clients have one more accessible payment option at checkout.

In-House Financing

Some medical spa practices develop their own in-house financing programs, offering personalized payment options to patients. This might involve a signed agreement, a required down payment, and an auto-draft plan from a debit card or bank account.

While this offers flexibility and control, it also creates financial risk for the provider and requires administrative overhead. It’s typically better suited for practices with dedicated billing teams or long-term clients seeking regular injectables or skin care services.

Subscription-Based Memberships

Instead of financing a single lip filler treatment, some med spas offer monthly subscription plans that include a set number of services over time. These memberships often bundle injectables like Botox, Juvederm, Restylane, and Dysport, with skin care treatments such as chemical peels or microneedling. For patients, this spreads treatment costs out predictably without needing a credit check or formal loan. For providers, it builds loyalty, encourages repeat visits, and helps smooth out monthly revenue.

Deferred Payment Agreements

Deferred payment arrangements allow patients to receive treatment now and pay the full balance within a short period — often 30, 60, or 90 days — without accruing interest. While similar in spirit to BNPL, these plans are typically managed directly by the provider or a third-party partner. They work well for patients who need a little extra time to manage cash flow, especially for treatments under $1,000. However, they require clear terms and reliable enforcement to avoid missed payments.

Savings-Based Prepayment Plans

Some medical spas offer the option to prepay over time before scheduling treatment. Patients can deposit a set amount each month into a dedicated account until they reach the cost of a desired service, such as lip filler or Kybella. While this doesn't provide immediate access to treatment like other payment plans, it does help patients budget without involving interest rates, credit checks, or financing companies. For the provider, this model also helps forecast upcoming appointments and revenue.

Employer-Based Wellness Benefits or HSA

Although lip filler is typically not covered by insurance, some patients may be able to use Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), or employer-sponsored wellness stipends. In select cases, especially where procedures are tied to confidence or mental well-being, employers may even reimburse part of the cost. This financing route avoids interest charges entirely and doesn’t require any credit check, but it depends heavily on each patient’s insurance and benefits setup.

Third-Party Crowdfunding or Gifting Platforms

Some patients finance their lip filler through nontraditional means, such as crowdfunding or gifting platforms. Others use loyalty programs like Allē, where they can accumulate points and redeem them toward injectables like Juvederm. In certain cases, clients may create a “beauty registry” for birthdays or special occasions and invite friends or family to contribute. While not a formal financing option, these approaches can still help reduce out-of-pocket expenses—particularly for younger patients or those new to med spa treatments.

Cherry: The Answer to Lip Filler Payment Plans

Whether you're a med spa looking to streamline the checkout process or a patient trying to budget your next Juvederm appointment, lip filler payment plans offer convenience, flexibility, and access.

Ready to boost access to your aesthetic services? Here’s why over 40,000 medical practices choose Cherry as their financing partner:

• Soft credit check only (no impact on patient’s credit score)
• Instant approval decisions at checkout
• High approval rate across a range of credit scores (80%+)
• Designed specifically for healthcare, dermatology, and medspa providers
• No need for patients to rely on traditional credit cards or take on long-term loans
• Flexible terms (3-60 months) and approval amounts (up to $10k for med spa patients)
• Seamlessly integrated with Allē, the loyalty program for Botox, Juvederm, and more

Offer Cherry payment plans and give your patients the power to pay over time — no delays, no stress.