By Vlad, Founder & SMP / Laser Tattoo Removal Specialist at Rico Clinic, Montreal.
Published December 20, 2024 · Last reviewed June 2026.
At Rico Clinic, we have spent the better part of a decade helping people in Montreal feel like themselves again. We opened our doors in 2017, and since then we have performed 546+ treatments, earned 135+ Google reviews, and held a 5.0 rating across roughly eight years in practice. In all that time, one thing has come up over and over at the consultation desk: people are ready to move forward, but the price tag gives them pause. That is exactly why we partnered with iFinance to let you start your treatment today and pay for it later, in small, manageable installments.
If you have been putting off scalp micropigmentation or laser tattoo removal because the cost felt like a wall, this is the post that takes the wall down. Here is precisely how our financing works, what it costs, and how to apply, plus honest answers to the questions clients ask us most.
Why we offer pay-later financing
We are not a bank, and we did not set out to become one. We are a small Côte-des-Neiges clinic that genuinely wants you to get the result you came in for. Over the years, we noticed a pattern that bothered us: someone would book a free consultation, fall in love with what is possible, and then quietly walk away because the full cost was hard to absorb in one lump sum. A tattoo they had regretted for ten years stayed on their arm one more year. A receding hairline kept chipping away at their confidence for another season.
That did not sit right with us. So we looked for a financing partner that treats people fairly, and we landed on iFinance. The idea is simple: your decision to feel good about how you look should not have to wait for the perfect month financially. You start now, and you spread the cost over time.
How the financing actually works
Here is the part everyone wants in plain numbers. Through iFinance, you can receive your treatment now and pay later in small, manageable monthly installments at a competitive interest rate of just 9%. There is no need to delay your journey, whether you are rejuvenating your look with micropigmentation or finally saying goodbye to a tattoo.
For laser tattoo removal specifically, the math tends to work nicely with a payment plan. Removal is not a one-and-done procedure: most tattoos take 6 to 12 sessions, spaced 6 to 8 weeks apart, and individual sessions at our clinic range from $50 to $800 depending on the size, the ink, and your skin. Financing lets you treat that full course as one predictable monthly cost instead of a series of out-of-pocket hits. Scalp micropigmentation works the same way: you can plan for the complete result rather than stretching it out because of cash flow.
The application process, step by step
We deliberately kept this quick, because nobody wants paperwork standing between them and their appointment. Here is the whole thing:
- Tell us you are interested. Mention to any of our friendly staff that you would like to finance your treatment. You can do this at your free consultation or over the phone.
- Provide the basics. You give iFinance the basic information they require. It is straightforward, the kind of details you would expect for any application.
- Relax while we process your pre-qualification. It only takes a few minutes to get a response, so you usually find out the same visit.
- Start your treatment. Once you are approved, you are ready to begin right away.
That is genuinely it. No long forms to take home, no waiting weeks for a decision, no pressure if it is not the right fit for you.
How laser tattoo removal works, in brief
If financing is what gets you in the door, it helps to understand what you are actually financing. Laser tattoo removal is non-invasive. The laser sends very short pulses of light into the skin, and the tattoo ink absorbs that energy and shatters into tiny particles. Your body’s immune system then carries those particles away gradually over the following weeks. This is selective photothermolysis, the principle established by dermatologists Anderson and Parrish in their landmark 1983 research, and it is still the foundation of every modern removal laser.
Different ink colours respond to different wavelengths of light. Black and darker inks absorb a 1064 nm wavelength well, while brighter colours such as red are better targeted with a 532 nm wavelength. That is why the number of sessions varies so much from one tattoo to the next, and why an honest consultation matters more than any quoted flat rate. For a fuller walkthrough of what a single appointment is like, browse our blog, where we cover the session experience and aftercare in detail.
Frequently Asked Questions
What is the interest rate on Rico Clinic financing?
Through our iFinance partnership, you pay a competitive interest rate of just 9%, spread across small monthly installments. You will see the exact terms before you commit, so there are no surprises.
What treatments can I finance?
You can finance any of our treatments, including scalp micropigmentation, laser tattoo removal, SMP removal, and scar camouflage. Because removal often runs 6 to 12 sessions, it is one of the most popular treatments to put on a payment plan.
How long does approval take?
Pre-qualification usually takes only a few minutes. In most cases you can find out during the same visit and, once approved, begin your treatment right away.
How much does laser tattoo removal cost at Rico Clinic?
Individual sessions range from $50 to $800, depending on the size of the tattoo, its colours, and your skin. We always start with a free consultation and give you a personalized estimate before anything begins, and financing lets you turn that total into one predictable monthly payment.
Do I have to decide on financing before my consultation?
Not at all. Come in for your free consultation first, see what is possible, and ask about financing then. There is no obligation, and our staff will walk you through it only if you want to.
What our clients say
We are proud that our reputation speaks for itself. Across roughly eight years in Montreal, Rico Clinic has earned 135+ Google reviews and a 5.0 rating. Clients consistently mention the same things: a warm, judgment-free welcome, real visible results, and the relief of finally moving forward on something they had put off for years. Removing the financial barrier with iFinance is one more way we try to make that first step feel easy.
Book your free consultation
Do not let finances hold you back from the look you deserve. The first step is a free, no-pressure consultation where we assess your tattoo or scalp, answer your questions, and, if you like, walk you through the iFinance application on the spot.
Book your free consultation online, or call us at (514) 346-8044. We are at 4934 Chemin de la Côte-des-Neiges, Montréal, open Monday to Friday, 9 AM to 6 PM. Take the first step today, your new chapter is closer than you think.
Reviewed by Vlad, Founder & SMP / Laser Tattoo Removal Specialist, Rico Clinic. Last reviewed June 2026.