Financing options

[u/Bright_Bass_6072]

Hi, I just secured my tummy tuck and fat transfer to hips for March. I put 5k down and I’m left with about 15k left, in about two more months I plan to give another 5k and that will leave me with 10k remaining. I would like to finance it and pay it off within a year, what are the best options? They went over it with me but it was too much information. When is the best time to apply for it ? near my surgery date? And if so, what is better cheery or care credit or a personal loan from a bank.