OK so care credit bases your approval totally on your credit score. They will ask you how much you make and if you own your house and how long have you lived there. If you have a credit score above 600 you should be ok.
We used care credit and the process was CRAZY fast. Due to my age and overall good health, (and being self pay), I only did 4 days of pre op diet. I had my first Dr appt last wed, june 23, and was banded monday, june 28.
Our out of pocket is 12,000. That includes access to the doctor for 3 months (fills, checkups), and the nutritionist for 1 year.
Here is how we looked at it. I dont have a car payment, I dont have student loans, and I dont have any other large debt. This was my one time to invest in myself.
It is a heck of alot of money and my hand was shaking when I signed the sales reciept, but I feel good about it and, so far, wouldnt change it.
Dont do anything you are not comfortable with but also know that there are benefits to being self pay. You will feel more in control. And there is nothing like a $12,000 investment to give you some motivation!!!