Breast implants are expensive. There's no way around it. Not only do you have to do your homework, find a good doctor, get on the doctor's waiting list, etc. - you also have to pay for it.
Depending on where you live, the cost of a complete breast implant procedure will range from $3500 to $10,000.
Here's the way the cost breaks down:
Keep in mind that this is surgery, so you'll be paying the hospital fee along with the labor and materials costs.
Some people fly to Mexico or South America for their breast implant surgery to keep costs down. There are a couple of drawbacks to this solution. First, countries outside the US have their own laws and enforcement regarding doctors and surgery. The FDA can't protect you in Venezuela. Second, you will not want to fly home right away -- you'll be in a lot of pain and on medication. So you should take into account the cost of room and board for yourself and someone to look after you for at least a few days after the surgery.
There are some companies that will help you finance breast implant surgery, or offer a loan against the cost of surgery. Your plastic surgeon may offer you information about financing. Keep in mind that financing is done by a completely separate entity.
Also, pay attention to interest rates. Medical financing is sometimes offered at only relatively high rates.
Keep the cost in mind when considering breast implants. Also keep in mind the likelihood of complications a few years down the road - you'll have to pay for those procedures, too. Yes, it is expensive - but somehow, thousands of women are able to come up with the money every year.