FALLS CHURCH, Va. — Capital One Financial Corp. has agreed to pay $81.5 million — $65 million in cash and the rest in common stock — to acquire Amerifee Corp., a Southborough, Mass., company that makes personal loans to consumers so they can pay for plastic surgery and other elective dental, orthodontic, and medical procedures.

Amerifee, a private company with more than 160 employees, would retain its management and would operate as a wholly owned subsidiary of Capital One.

Though Capital One’s main business is credit card loans, Richard D. Fairbank, its chairman and chief executive officer, said the deal was “a natural fit with Capital One,” and it “represents another important step in Capital One’s strategy of acquiring market leaders in fast-growing segments that complement our core business.”

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