Having just bought a house last year and spent the better part of my salary filling it up, I didn't have any money in savings to pay out of pocket when I decided to "go for it" with VSG. I actually used Prosper.com to get a loan for 1/2 of the amount needed for surgery with Dr. Aceves on October 18, 2010. I could have waited longer and saved the money in just a few more months, but didn't want to wait.
For anyone not familiar with Prosper.com, it's a peer-to-peer lending website. It's definitely legitimate, because I have the cash sitting in my bank account as I get ready for surgery day. (And FYI, I don't work for Prosper.com LOL)
So....just one more option out there.
Annette