Can You Get Finance or Pay Monthly for a Tattoo?

  • Written By Dan Hunter on March 22, 2023
    Last Updated: April 7, 2023

If you’re planning to get a tattoo, but you don’t have the cash upfront, you might be wondering whether you can get finance or pay monthly for your ink. While some tattoo shops do offer payment plans, you should carefully consider your options before committing to one.

Financing Your Tattoo

If you are considering financing your tattoo, there are a few things you should consider before taking the leap. Firstly, it’s important to understand that not all tattoo shops offer financing options, and those that do may require a credit check or charge high interest rates and fees. Make sure you research and compare the different financing options available to you before making a decision.

Another important factor to consider is the repayment schedule. Some financing options may require you to make payments weekly, bi-weekly, or monthly, while others may require a lump sum payment at the end of the loan term. Make sure you choose a repayment schedule that works for your budget and lifestyle.

It’s also essential to carefully read and understand the terms and conditions of the loan, including any penalties for late or missed payments. If you default on the loan, it could negatively impact your credit score and make it harder for you to secure financing in the future.

Additionally, keep in mind that financing a tattoo means you will be paying more for the tattoo in the long run due to the interest charged on the loan. You should carefully calculate the total cost of the tattoo, including interest and fees, to ensure it fits within your budget.

Finally, be aware that financing a tattoo is a financial commitment that you’ll need to take seriously. Make sure you are comfortable with the monthly payments and that you can afford to pay the loan off in full. If you have any doubts, it may be better to consider other options, such as saving up for the tattoo or arranging a payment plan with the tattoo artist.

Paying Monthly for Your Tattoo

If you can’t afford to pay for your tattoo upfront but you don’t want to take out a loan, you might be able to arrange a payment plan with your tattoo artist. Some artists will allow you to make payments in installments until you’ve paid off the full cost of the tattoo. However, this is up to the discretion of the artist, and they may require a deposit upfront to secure your appointment.

It’s important to note that paying monthly for your tattoo means you’ll need to factor in the total cost of the tattoo plus any additional fees or interest charged by the artist. This can add up quickly, so make sure you’re prepared to pay more in the long run if you choose this option.

How to Find Tattoo Shops that Offer Financing or Payment Plans

If you’re looking for a tattoo shop that offers financing or payment plans, there are a few things you can do to find one:

  1. Research tattoo shops in your area: Start by searching for tattoo shops in your local area and checking their websites or social media pages. Some shops may advertise financing or payment plans on their site or in their posts.
  2. Ask for recommendations: Ask friends or family members who have tattoos if they know of any shops that offer financing or payment plans.
  3. Contact tattoo shops directly: Call or email tattoo shops and ask if they offer financing or payment plans. If they do, be sure to ask about the terms and conditions of the financing, such as interest rates and repayment schedules.
  4. Use online directories: Some online directories, such as or Yelp, may allow you to search for tattoo shops that offer financing or payment plans.

Tips for Negotiating a Payment Plan with Your Tattoo Artist

If you’ve found a tattoo artist who is willing to set up a payment plan for your tattoo, here are some tips for negotiating the plan:

  1. Be upfront and honest: Let the artist know that you can’t afford to pay for the tattoo upfront and that you’re looking for a payment plan. Be transparent about your financial situation and what you can realistically afford.
  2. Come up with a payment schedule: Work with the artist to come up with a payment schedule that works for both of you. This might mean making weekly, bi-weekly, or monthly payments.
  3. Determine a deposit: Ask the artist if they require a deposit upfront to secure your appointment. This deposit may be used to cover the cost of supplies or to ensure that you show up for your appointment.
  4. Put it in writing: Once you’ve agreed on a payment plan, make sure to put it in writing. This will help avoid any confusion or miscommunication down the line.
  5. Stick to the plan: It’s important to make your payments on time and stick to the agreed-upon payment schedule. If you fall behind on payments, it could impact your relationship with the artist and your ability to get future tattoos with them.

Consider Your Options Carefully

If you’re considering getting financing or paying monthly for your tattoo, it’s essential to weigh the pros and cons of each option. Financing your tattoo can be convenient if you don’t have the cash upfront, but it can also come with high interest rates and fees. Paying monthly for your tattoo can be a more affordable option, but it can also mean you’ll need to pay more in the long run.

Ultimately, the decision to get a tattoo and how to pay for it is a personal one. Before you commit to any payment plan or financing option, make sure you fully understand the terms and conditions and that you’re comfortable with the cost and commitment.

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