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    Learn About Hair Restoration Loans and What to Look For

    We all know someday that we will lose our hair, or it will start to thin out. This can be embarrassing for some people, especially if it happens at an early age. Androgenic alopecia is a common reason for men and women to lose their hair, but not the only reason. Other illnesses can cause hair loss, such as anemia, thyroid disease, or vitamin deficiency, and protein deficiency — also, people who are fighting cancer and are using chemotherapy experience temporary or permanent hair loss. Those are just a few reasons someone could lose their hair, but luckily for us today, there is hair restoration! We all should feel comfortable to set outside and experience the world every day. Balding or hair loss should not hold us back from living.

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    • Borrow up to $35,000
    • Loan terms between two and five years
    • Accepts credit scores Fair to Excellent
    • People with low credit scores are often approved
    • Loans can be used for a variety of reasons
    • Great customer support staff
    • Soft pull
    • Low credit score requirement
    • No prepayment penalty
    • Long terms of the loan

    What is a Hair Restoration Loan

    Hair restoration can come at a high cost depending on how much work needs to be done and where one goes to get it done. This should not hold anyone back! There are many ways to get a loan for the procedure if one cannot pay for it directly out of pocket. Someone can take out a personal loan and use that money to finance its restoration. 

    Personal loans can be used for anything that a person wants to use it for and can be borrowed from a bank anywhere from $5,000 to $50,000. Also, another attempt is to use a medical loan. One can choose to borrow from many different standalone providers that offer loans for medical procedures, which include hair transplants. Usually, one can borrow the same amount as a personal loan with a medical loan, but there are limits to what the person can use the funds for.

    What to Know Before You Start the Procedure?

    Hair restoration procedures continue to advance as technology advances. Today, we have many ways to go about hair restoration. The price can vary depending on what kind of process is done, how much hair needs replacing, the location of the hair loss, and other factors. Hair transplants are completed by taking hair from the thicker parts of the scalp and sometimes from other parts of the body and creating a graft from it. Then, it is added to the places of the scalp that are thinning or balding.

    What Credentials and Training Does the Surgeon Need to Have?

    The American Board of Hair Restoration Surgery offers a certification program with proper training and requirements. It is a good idea to look for a surgeon with a certification from the American Board of Hair Restoration Surgery before getting any work done.

    What Type of Tech Is Used?

    There are many different types of technologies used today for hair restoration, and it continues to grow as we keep evolving into a more and more technological world. We are going to discuss the array of different types of procedures later in the article.

    What Type of Procedures Does the Surgeon Perform?

    Along with the certification, it is always a good idea to ask the surgeon which types of procedures he or she has performed on other patients and ask how successful they were.

    Is Hair Transplant Surgery the Surgeons Only Speciality?

    This is another excellent question to ask a surgeon. No one wants a doctor to do work on their face, lips, and hair because it shows that this doctor does not specialize in hair restoration. When a doctor does not specialize in just one thing, then they could do sloppy work or are not as experienced as other surgeons.

    How Much Does a Hair Transplant Cost?

    This is a tricky question because the cost can vary based on a multiple of things. On average, surgery can cost anywhere from $4,000 to $15,000 and are required out of pocket because insurance companies deem this as a cosmetic procedure. The factors that play a role in the total of hair transplant procedures are where one lives, the type of system chosen, the skill of the surgeon, and how much hair that needs to be restored.

    Before and After photos are real?

    With photoshop and other editing tools at everyone’s fingertips, it is hard to know which photos are real. We suggest to ask for before and after picture, but look at them with a grain of salt. A better option would be to find another client who has had work done with the same surgeon and meet with them in person. This way, the procedure can be openly discussed and results seen first hand.

    Has a Patient Referral List Been Provided to You?

    Sometimes a surgeon cannot perform what one wants to do with their hair restoration. In this case, a doctor should provide a referral to another surgeon to do the job correctly.

    Has the Surgeon Explained Carefully Your Graft Count Vs. Your Hair Count for the Procedure?

    Before performing the surgery, a doctor should clearly explain what is going to happen and exactly what they are going to do. Make sure to have a list of questions the surgeon can answer before the procedure.

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    Main Types of Hair transplants and restorations:

    Follicular Unit Grafting (FUG)

    A Follicular Unit Grafting procedure is when a doctor takes a section of the client’s scalp in an area with lots of hair. Then the surgeon will stitch up the area, and the patient will most likely have a scar on the back or side of the head. This procedure is done with local anesthesia. After, the surgeon will have to prepare the hair from the scalp for the transplant. The doctor does this by separating the follicles into small grafts of two to four hairs. Then the surgeon puts the hairs directly in the scalp where the hair no longer grows.

    Follicular Unit Extraction (FUE)

    A Follicular Unit Extraction procedure involves extracting hair follicles one by one from an area that has a lot of hair. This method can reproduce natural hair growth, which is ideal. When done correctly, hair restoration can go undetected by most people. Also, there is minimal scarring with this procedure. There are only small circular cuts made around each hair follicle. The cost depends on how much hair needs to extracted and replaced on the scalp. Most surgeries range from $5,000 to $10,000.

    Platelet-Rich Plasma (PRP) hair restoration

    Platelet-Rich Plasma hair restoration is a newer approach to hair loss and is done without scaring. To understand this method, one should know what platelet is. Platelet is found in blood, red and, white blood cells, which assists in the healing process of the body. It is naturally in the body already and is one of the body’s first responders when there is a wound to reduce bleeding and increase healing right away. Doctors believe that if this platelet is extracted from blood, made into an injectable substance, then it can be used to promote healing and recovery of hair follicles. The platelet helps to regrow and restore hair follicles, which leads to head growth.

    Combination of techniques

    Usually, people stick to one method when having hair treatment done. However, recent studies have shown that after a Follicular Unit Grafting procedure or Follicular Unit Extraction procedure, it is highly useful to get Platelet-Rich Plasma injections.  This is because it can help ensure the hair transplants will take to the new part of the scalp and reduce recovery time, which allows someone to feel confident again quicker!

    Avoid falling into a debt trap

    Do not do a procedure that is too expensive for the lifestyle you live. While there are ways to finance hair treatments, it is always good to take an honest look at how much debt there will be post-surgery.

    Applying too many times

    It is essential to know that there are consequences on one’s credit score when someone applies for multiple loans or credit cards in a short amount of time.

    Hair restoration with Bad credit

    If you are someone with bad credit, do not worry! There are still options for you to take out personal loans or credit cards with poor credit. There is a catch, though. These types of lender companies usually have high-interest rates and start-up fees. These companies can get away with this because people have no other options, but this can lead someone into even more debt and lower credit scores.

    My Opinion

    We want everyone to feel confident with their appearance, and hair is a significant factor in that. Hair restoration is a great option to feel good when experiencing hair loss. But, we only recommend this for people who can afford it. One can take out a medical loan, a personal loan, or additional credit card, but that can create a financial burden. Stress causes hair loss, and if one is stressed about how to pay for their hair restoration, then the new hair might fall out too, and we do not want that!