Most med spas accept some form of financing, and almost none of them say so where it matters. The offer lives on a /financing page linked from the footer, three clicks away from the treatment page where a patient just read "$1,200" and closed the tab. Financing only works as a conversion tool when the monthly number sits next to the full price, in the same eye line. Here's what to publish, where to put it, which providers do what, and the federal credit-advertising rule that catches clinics who write the monthly number the wrong way.
Where price shock actually happens
The drop-off happens on the treatment page and the pricing page, at the exact moment a total appears. Aesthetic clinics have an unusual spread of ticket sizes: the same patient, in the same browsing session, might look at a $250 first-visit neurotoxin appointment and a $3,600 body contouring plan. One of those is close to an impulse booking. The other is a financed purchase that a patient discusses with their partner. A single "Book Now" button treats both the same way.
A patient reading $3,600 is deciding whether they have $3,600. A patient reading $300 a month is deciding whether they have room in a monthly budget. The second decision is far easier to say yes to, and it is the one your page controls. Clinics that keep the monthly figure behind a consultation are asking every high-ticket patient to do that arithmetic in their head, on a phone, while comparing you to the clinic two towns over that already did it for them.
The monthly math patients are doing anyway
Here is the arithmetic your page can do for the patient. These figures are plain division across 12 months at 0% interest, which is the promotional structure several aesthetic lenders offer to patients who qualify:
- $600 treatment plan: about $50/month over 12 months
- $1,200 plan: about $100/month
- $1,800 plan: about $150/month
- $2,400 plan: about $200/month
- $3,600 plan: about $300/month
- $4,800 plan: about $400/month
Two honest caveats. First, this is illustrative division, not a quote: real approvals carry a term and an APR set by the lender based on the patient's credit, so the number printed on your page has to come from your provider's own calculator rather than this one. Second, a 24-month term roughly halves the monthly payment and, wherever interest applies, meaningfully increases what the patient pays in total. Show the term alongside the payment or the figure is misleading.
“A patient who leaves your treatment page to open a calculator app is a patient who might not come back. Put the number on the page.”
— Codura Solutions
Four places the offer has to appear
Financing is not one page. It is one line repeated in four places, plus one page that holds the detail:
- Every treatment page, under the price. One sentence with the monthly figure and a link to the detail page. This is where the objection forms, so this is where it gets answered.
- The pricing page, next to each package. If you publish prices, publish the payment line in the same row. A price list with no payment option reads as a wall of totals.
- Inside the consultation form. A short line above the submit button telling patients that payment plans are available removes hesitation at the step with the highest abandonment on the whole site.
- A dedicated /financing page. Providers you accept, how pre-qualification works, what a soft credit check means, and what happens at the appointment. This is the page that can rank for "[your city] med spa financing" and the page your front desk texts to a patient who went quiet after a quote.
If you are still deciding whether to publish prices at all, that decision comes first, because the payment line has nothing to attach to without it. We covered the trade-offs in should your med spa publish prices. And the consultation form placement matters more than most owners expect, for the reasons in what to ask on a med spa consultation form.
What you're actually choosing between
These get lumped together as "financing," but they behave differently for the patient and for your cash flow:
- Healthcare credit cards (CareCredit is the one patients most often already carry). Revolving credit with promotional periods, approved once and usable at any accepting practice. Strong recognition with patients who have used it for dental or veterinary care.
- Aesthetic-focused patient lenders (Cherry is common in med spas). Built for elective treatment, with a soft credit check to pre-qualify and approval that can happen in the treatment room.
- General buy-now-pay-later (Klarna, Afterpay). Familiar to younger patients, typically capped well below a full body contouring or laser package, so useful for mid-ticket visits rather than plans.
- In-house memberships and prepaid packages. Monthly dues against treatment credit. This finances your clinic rather than the patient, and it builds recurring revenue. See how to structure a med spa membership on your website.
- Brand rewards (Alle for Botox and Juvéderm, Aspire for Dysport and Restylane). Not financing at all, but they change the effective price and patients ask about them in the same breath. Name the ones you participate in on the relevant treatment pages.
The credit-advertising rule that trips clinics up
Advertising consumer credit, including a third party's offer you promote on your own pages, falls under the Truth in Lending Act and its implementing rule, Regulation Z. The part that catches clinics is the concept of triggering terms. Under 12 CFR 1026.24, an advertisement for closed-end credit that states the amount of a payment, the number of payments, the period of repayment, the amount of a down payment, or the finance charge must also disclose the terms of repayment and the annual percentage rate. Separately, an ad that states a rate of finance charge must state it as an "annual percentage rate."
Translated to a treatment page: writing "Financing available" states no triggering term. Writing "From $200/month" does, and it pulls the required disclosures along with it. Most clinics that get this wrong write the second and publish none of the rest.
Financing widgets are third-party scripts
Pre-qualification widgets and payment calculators load external JavaScript, and dropping one into the top of every treatment page is a reliable way to push Largest Contentful Paint past the 2.5-second mobile threshold Google publishes as "good" in its Core Web Vitals guidance. The patient then waits on a calculator they did not ask for before they can read the treatment description.
A static line of HTML text carrying the monthly figure and a link costs nothing in load time and captures most of the benefit, because the patient's question is "roughly what per month?" rather than "let me model three terms." Keep the interactive widget on the /financing page, where someone has already chosen to engage with it, and defer or lazy-load it even there. If page weight is already a problem on your site, what speed costs a med spa in bookings covers the rest of the diagnosis.
The fastest thing you can do this week: open your three highest-priced treatment pages and check whether a payment option appears anywhere near the number. If it doesn't, that is a one-line fix with a real effect on high-ticket enquiries. That check is part of what we look at in a free website audit, and if the pages need rebuilding around the booking and payment flow, that's what we do.