This client is applying for a loan for plastic surgery to cover various procedures that she would like to have completed. This includes several minor updates to her face and also breast enlargements. She lives and works in Fresno, California. The operation will apparently cost $20,000 and is payable once the operation is completed. It is not often that we receive a loan application for this type of request, however many people are having plastic surgery done these days and the operations are quite expensive. This is an elective type of operation and therefore not covered by any health insurance that they might have. Many people do not realize this when they begin discussions about having plastic surgery.

The client has an excellent credit rating with no outstanding loans or credit card balances. She did have student loans which she paid off in full with no missed payments. This has actually contributed to her solid credit rating which demonstrates that she is committed to meeting her obligations. We feel that lenders will be willing to review this application and approve the loan without reservation.

Consumers borrow money every day for a variety of reasons and frankly it really does not matter what the reason is as long as it is legal and they have sufficient income to repay the loan. Loans of this sort must meet all of the normal lending requirements such as income level, credit rating, job security and a reputation of meeting their obligations. This client has met all of those qualifiers quite well. She will be asked to provide additional information to confirm her salary, to confirm her bank account and to confirm that she has no bounced check which is another indicator. This is routine and part of the normal lending review process.

DEFAULT LOAN APPLICATION FOR BORROWER’S INFORMATION

Health Loan Amount :: $20,000

Health Loan Application and Processing Speed (when do you need the funds):: within the next month

Do you currently have a mortgage? :: no

Bank Name and Branch :: Westamerica Bank, Tulare St

What City/Town, State and County do you live in? :: Fresno California

Zip ::93721

What is your employment field? :: Dental Industry

Employment Position :: Hygenist

When are you paid? (monthly/weekly/biweekly):: Biweekly

Your credit rating to be – excellent, fair, or bad? :: excellent

How did you find us? :: google search

How are you paid? (direct deposit/paper check):: Direct deposit

Gross Amount Per Paycheck ::$1875

Do you agree to have this information published online, without your PRIVATE information of course? :: yes, but no pictures or personal information

Extra information here please (some detail)::

I have decided that I would like to have a number of enhancements completed so I need a loan for plastic surgery to cover various procedures that will be done for me. I am having a few nips and tucks done to my face and breast enlargements that will increase the size of my bust to a level that is more balanced with my body type and size. All of my life I have felt that I should be larger in this area and now I have got the courage to go ahead with this surgery. Lots of women my age are doing this and it is about time I did too.

It has taken a lot of courage to decide to go ahead with an operation like this and even more courage to apply for a loan and tell a perfect stranger what I want the loan for. It will make a huge difference in my life. It will enhance my self image and my attractiveness. For once I will be able to compete with all of those other women that have gone ahead with plastic surgery for this type of enhancement.

Note to Lender ::

I have been working at the same office for the past 6 years as a dental hygienist. My job is secure and I make pretty decent money. I have about ten thousand saved up for this operation. I do not have any outstanding loans and I pay my one credit card on time every month in full. I really try to avoid paying interest on any loans or credit card balance since this just cost money that you do not need to spend. This will be the first real luxury that I am allowing myself. I have spent the last 6 years paying off student loans and debt associated with school. These are all gone now and I want to go ahead with this plastic surgery to enhance my body image.

I live in Fresno, California and the procedure will be completed here as well. I have a month’s vacation coming to me which will be more than enough to have the operation and to recover from it. They will be really surprised when I return to the office! I wonder if some of my patients will notice. There is one guy in particular that I am hoping will notice and maybe ask me out.