A Layaway plan can be particularly beneficial for patients with bad credit, as no credit pull is required. You need to deposit (the amount can vary), select your payment term (usually 6 to 18 months), and book a surgery date after being paid in full. This plan typically has no interest, allowing you to budget for your surgery. If you must stop the layaway plan, your payments are usually transferable to other surgeries. Remember that the specifics of a layaway plan can vary from clinic to clinic, so it’s important to inquire directly about the details.