Expert view by Maggie Gallagher
How to Pay for Plastic Surgery

Surgery is a great solution to a number of health issues, but it can also help people improve their quality of life. If you are planning to undergo surgery, you might be wondering how you will fund the procedure. There are a number of ways in which patients can pay for plastic surgery, including taking out a loan. Here’s more on loans for plastic surgery.

Plastic Surgery Financing: How to Pay for Your Procedure

If you have considered cosmetic surgery but can't afford the fees, financing may be a viable option for you. There are several plastic surgery financing options available, including Plastic Surgery Loans, or some other low-interest medical loans that are personal loans repaid monthly. These loans do not require a credit check and can be obtained quickly.

Loans for Plastic Surgery with no credit check

You will have no problem to find Personal Loans with no credit check to pay for your plastic surgery. If you have low credit, your loan offer may be lower than the maximum. This is because of the fact that most plastic surgery is elective, which means it’s usually scheduled when a person is able to afford it. However, these loan services can be useful by providing at least some of the money needed to pay for your surgery. The better option might be to increase your credit score first before applying for a personal loan. Here are some ways to do that:

  • Fix bad credit reports
  • Hire a credit repair company
  • Increase your credit limit

How to compare cosmetic surgery loans

After you've narrowed down your list, start searching for lenders. Be sure to check interest rates, fees, and other terms, because the best cosmetic surgery loan for you is the one that works best financially.

Compare rates, terms and personalized offers for cosmetic surgery loans offered by multiple lenders, without affecting your credit score. See your current offers from multiple lenders at once.

How to choose the best cosmetic surgery loans

  • Choose the borrower with simple requirements you can easily meet.
  • Pay attention to flexibility. Ask whether the lender offers a loan with a longer duration, so the monthly payments are lower, or whether the lender offers a deferred payment option, which allows you to use your savings to pay off the loan over time. 
  • Check the loan status. You'll want to know how quickly you can receive your funds and what will happen if you cannot pay back the loan.

What to watch out for cosmetic surgery loans

  • Price. Cosmetic surgery loans do not come with the same protections as other types of loans. Because of this, loans offered by financial institutions are often more expensive than those offered by online lenders.
  • Repayment terms. From how often you can make payments to how much money you can borrow and how long the loan lasts, the repayment terms of a loan could be different depending on the lender.
  • Understand what you need in a cosmetic surgery loan.

How to apply for a cosmetic surgery loan

If you’re applying to a financial institution directly, their website may have a pre-qualification option.

After pre-qualifying with a lender, you can then apply for your cosmetic surgery loan. Make sure to read through all the fine print before you finalize, including any fees and repayment terms.

If you get denied a loan, don’t despair. Consider other financing options, such as Online Personal Loans up to $35,000 for any needs.

How much will your loan cost?

Personal loans may be a good fit to pay for plastic surgery if you’re looking to borrow a smaller amount than a credit card or loan from a bank or credit union. An online loan can help you cover expenses such as:

  • Opening a small business
  • Medical treatment or cosmetic surgery
  • Maternity leave or adoption
  • Cancer treatment

How to Get a cosmetic surgery loan fast today

Cosmetic surgery can have a long-lasting positive impact on your life and your health. If you’re considering cosmetic surgery, cosmetic loans can help you afford the procedure you need.

Finding the right lender is the most important part of getting approved for a cosmetic surgery loan. There are many lenders specifically for cosmetic surgery loans, and most lenders will ask you about the surgery you want along with how much you’re paying for the surgery.

After answering those questions, you’ll receive approval or denial.

Get started now!

Choosing Cosmetic Surgery Loans Tips

If you know you want to borrow, consider the following tips when making your decision:

  • Shop around — Compare costs and terms when finding loans for plastic surgery. Also, be sure to talk to about your health, credit and income. Finance professionals offer advice and guidance, but lenders make the final decision to approve your loan.
  • Get pre-approved — Starting your search for plastic surgery financing early will give you more options.
  • Doing your research is key. Don’t rush into a decision; take your time. Once you receive financing, you are bound to your lender for a set period of time. With plastic surgery financing you may be tempted to rush into something. Don’t.
  • It’s a great way to pay for surgery, but you want to make sure you are going to be making payments for the right reasons. Financing your surgery means you will have to budget carefully.
  • For example, if you have time to pay off a loan, you may be able to get a better rate by paying off a longer loan over several years.
  • You also may want to consider financing options from your doctor or medical spa. These medical facilities may allow you to take out a loan directly from them, which may be cheaper than taking out a loan from a traditional lender. Make sure you’re getting the best rate when choosing this option.

Alternative Ways to get Plastic Surgery Financing

However, there are ways to pay for surgery without having to take out a loan or mortgage your home to do so.

  • Apply for credit cards with rewards programs One way to pay for plastic surgery is to obtain a credit card that offers rewards for purchases in the form of airline miles, hotel points, cash back or other special perks. Depending on the card, these incentives or rewards can cancel out the interest fees or the costs of the surgery.
  • Some of the financing options available to help with the cost of your cosmetic surgery include: Phantom credit: Also known as a "silent second," this loan is a type of financing that uses your credit score and other financial information to determine your eligibility. Unlike a traditional loan, you don't have to apply for this type of financing. It can be used for any major purchase.
  • While cosmetic plastic surgery is not covered by insurance, however, many plastic surgeons do offer financing through Care Credit, a third party company. Fees can be paid over a longer period of time, at rates that are lower than credit card interest rates. For example, plastic surgery fees can be paid in monthly installments of $100, with a maximum of $2,500.
  • There are medical financing companies that do offer help in financing plastic surgery, though. The patient may be required to pay a down payment, anywhere from 10 to 20 percent of the total cost, and then pay the rest in installments. The interest rate is usually between 12 to 20 percent. Some companies allow the patient to pay the balance over time, although there is a finance charge. There are also other methods to pay for cosmetic surgery.
  • One popular way to save up or pay for plastic surgery is through a health savings account (HSA). HSAs are tax-advantaged accounts that can be used to pay for qualified medical expenses. Over-the-counter medications, vitamins, and supplements aren’t considered qualified medical expenses, but prescription medications are.
  • Almost any medical expense that your doctor or medical provider bills you for can be paid for using your HSA.


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