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From a $300 pair of glasses to $4,000-$6,000 LASIK surgery, vision costs add up. Here are the bad-credit financing options.
Explore an option
If you are reading this, you likely want a clear next step. Here is one worth knowing about.
Top vision financing options
1. CareCredit at LASIK centers
Most LASIK providers accept CareCredit. 12-24 month 0% APR promotional periods on procedures.
2. LASIK center in-house financing
LasikPlus, TLC Laser, and similar chains offer in-house plans 12-36 months.
3. Affirm at online glasses retailers
Warby Parker, Zenni Optical, GlassesUSA all accept Affirm.
4. Vision insurance + HSA/FSA
If you have an HSA or FSA, vision care is qualified expense. Use those funds first.
Vision cost reality
- Eye exam (no insurance): $50-$150
- Single-vision glasses: $100-$400 (online), $300-$700 (optometrist)
- Progressive lenses: $400-$900
- Contacts annual supply: $200-$500
- LASIK both eyes: $4,000-$6,000
- Cataract surgery: $3,500-$7,000 per eye (insurance often covers)
Verdict
For glasses and contacts, online retailers (Zenni, Warby Parker, GlassesUSA) with Affirm 4-payment beat traditional optometrists significantly. For LASIK, CareCredit 0% APR promotional financing is the standard. Always check insurance and HSA/FSA before assuming you need financing.
Reminder: Approval and terms vary by lender. Verify rates and fees before applying. Consult medical professionals for treatment decisions.
One more worth bookmarking
Whatever you choose above, this is a useful, no-cost companion tool for anyone working on their credit.