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5 Plastic Surgery Loans for Bad Credit

23 min.

Plastic surgery has become a popular way to enhance one's appearance, confidence, and self-esteem. However, these procedures often come with a high price tag that not everyone can afford upfront. Fortunately, there are financing options available, even for those with bad credit.

5 Plastic Surgery Loans for Bad Credit

In this article, we will examine five plastic surgery loans for bad credit in the USA, providing information and guidance on how to finance your desired procedure.

How to Finance Plastic Surgery When You have Bad Credit?

Plastic surgery can be an expensive procedure, and it is not rare for people to seek financing options to afford the cost. However, having bad credit can make this process more challenging, as traditional lenders may be less willing to work with individuals who have a poor credit history. Here are some options to finance plastic surgery when you have bad credit in the USA:

  1. Medical credit cards. Some credit card companies offer credit cards specifically for medical expenses. These cards often come with introductory 0% APR offers which can be an advantage for financing your plastic surgery. However, it is important to read and understand the terms and conditions of the card and make sure you'll be able to pay back the amount borrowed within the promotional period.

  2. Personal loans. Although getting a personal loan with a bad credit score can be more challenging, some lenders offer loans to borrowers with credit scores below 600. Keep in mind that the interest rates on these loans will be higher, and it's important to read the terms and conditions carefully.

  3. In-house financing. Some plastic surgeons offer in-house financing, which allows patients to pay for their procedures in installments. This option is often more accessible for individuals with bad credit, as the lender is the surgeon's office.

  4. Co-signer. If you have a close friend or family member who is willing to co-sign for a loan or credit card, this can increase your chances of approval. However, co-signing means that the other person takes on the responsibility of the debt if you are unable to make payments, so this option should only be pursued with caution.

  5. Payment plans. Some clinics offer payment plans that allow patients to make payments over time. This option can be more flexible and accommodating of individual financial situations, but you need to ask how much you will pay interest rate and other charges that may apply.

Overall, financing plastic surgery when you have bad credit requires some research and effort. The important thing is not to give up and explore all the options until you find a way to finance the procedure that works for you. It is not recommended to go into debt in order to afford cosmetic procedures.

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Best Plastic Surgery Financing for Bad Credit


Upstart is a lending platform that provides personal loans to individuals. The platform provides loans to borrowers with a range of credit scores, including those with bad credit. Your credit score should be above 300 to get a loan from Upstart. The loan amounts range from $1,000 to $50,000.

Upstart uses a unique approach to evaluate a borrower's creditworthiness. The platform considers factors such as a person's education and work history in addition to their credit score. This approach may allow more people with bad credit to be approved for a loan.

To apply for a loan from Upstart, a borrower must first complete an online application. The application requires basic personal and financial information, including income and expenses. Based on this information, Upstart provides the borrower with a personalized loan offer, which includes details like the loan amount, interest rate, and repayment terms.

If the borrower accepts the loan offer, they must provide additional documentation, such as proof of income and employment. Upstart will then complete a final review of the application and may offer the loan to the borrower.

Upstart loans typically have fixed interest rates and repayment terms ranging from three to five years. Borrowers may be subject to an origination fee, which is deducted from the loan amount.

Reach Financial

Reach Financial is a lending institution that specializes in providing personal loans to individuals with bad credit. They offer loan amounts ranging from $3,000 to $40,000 with repayment terms of up to 72 months. The interest rates they offer will depend on various factors, such as loan amount, credit score, and repayment term.

The application process with Reach Financial is straightforward and can be done entirely online. The first step is to complete an application form, providing personal and financial information. Applicants will also be required to upload documentation such as a government-issued ID, employment verification, and bank statements.

Once the application has been submitted, Reach Financial will carry out a soft credit check to determine the applicant's creditworthiness. They will also verify the information provided, and if approved, they will present a loan offer with the interest rates and repayment terms.

There may be fees associated with the loan, such as an origination fee and a late payment fee. It is essential to read and understand the terms and conditions before signing the loan agreement.

One of the benefits of using Reach Financial is that they report to credit bureaus, meaning borrowers can improve their credit score by making timely payments. Additionally, Reach Financial offers free credit monitoring services to its customers, which can help borrowers stay on top of their credit score and track their progress over time.


Achieve is a financial service company that specializes in providing loans. Achieve loans for bad credit can be a viable option. The company has a 620 score minimum credit score requirements, which falls under the fair credit score rank. However, you can apply with a co-signer. This person will qualify for the loan instead.

The loans provided by Achieve are unsecured personal loans that typically range from $7,500 to $50,000. These loans have a fixed interest rate and repayment terms that can extend from 24 to 48 months. The interest rates that come with these loans may be higher than traditional loans but are still generally lower than other options, such as payday loans.

Additionally, these loans have flexible eligibility criteria, although applicants will still need to meet certain requirements, such as being at least 18 years old, having a regular source of income, and being a US citizen or permanent resident. Achieve also provides support and resources to help borrowers manage their finances and boost their credit scores, which could help them secure loans with better interest rates in the future.


LendingPoint is a lending platform that provides loans to people with credit scores of over 580. The company provides personal loans to people with fair to good credit, as well as loans to those with lower credit scores. Their loans are generally unsecured, meaning you do not need to put up collateral to take out a loan. However, you may be required to provide proof of income or other financial information to qualify for a loan.

LendingPoint loans generally range from $2,000 to $36,500 and have interest rates that range from 9.99% APR to 35.99% APR. The interest rate you receive will depend on several factors, including your credit score, income, and other financial information. Additionally, LendingPoint charges an origination fee that ranges from 0% to 6%, depending on the loan amount and your creditworthiness.

To apply for a LendingPoint loan, you can do so online by filling out an application form. The application typically takes around 5 to 10 minutes to complete, and you will receive a decision on your loan application within a few hours. If you are approved for a loan, the funds will be deposited into your bank account within one to two business days.


Avant is a popular online lender in the USA that offers personal loans to customers, even if they have a poor credit history. They are known for providing loans to people who need them the most, with a credit score requirement of 550. Avant loans can range from $2,000 to $35,000, and the repayment terms can be as long as 5 years. They are a reliable source of funds, especially for people who might have been turned down by traditional lenders.

One of the significant advantages of Avant loans is that they have a simple and straightforward online application process that only takes a few minutes. This process is made easy by a user-friendly website and a mobile app that customers can use to apply for a loan.

Customers can fill out an application form and provide their essential details like their name, address, income, and the amount they want to borrow. Customers also have to provide their Social Security Number (SSN) for a credit check. However, the credit check process does not necessarily mean that you have to have good credit to be eligible for a loan. Avant looks at more than just credit scores when making loan decisions. They also take into account factors like employment status, income, expenses, and debt-to-income ratio.

Another significant advantage of Avant loans is that they provide fast funding once the loan application process is completed. Once approved, the funds are deposited in the customer's bank account within one to two business days. Therefore, it is ideal for people who need funds urgently.

How to Compare Plastic Surgery Loans?

Many people choose to use loan options for this type of expense, but not all loans are created equal. These are some things to consider when comparing plastic surgery loans in the USA:

  1. Interest rates. One of the most important factors when comparing plastic surgery loans is the interest rate. This will determine how much you will pay back over time. Look for a loan with a low interest rate to save money in the long run.

  2. Fees. Some loans may come with fees, such as application fees or prepayment penalties. Read the terms and conditions carefully to understand any additional costs involved.

  3. Loan term. The term of the loan is how long you will have to pay it back. A longer loan term may mean smaller monthly payments, but it could also mean paying more interest over time.

  4. Approval process. Different lenders may have different approval processes. Some may require a credit check, while others may not. Consider the time it takes to get approved and how it may impact your surgery timeline.

  5. Loan amount. Depending on the type of surgery and your individual needs, you may need a larger or smaller loan amount. Make sure the lender you are considering offers loan amounts that will cover your expenses.

  6. Borrower requirements. Some lenders may have specific borrower requirements, such as a certain credit score or income level. Make sure you meet the lender's requirements before applying.

When comparing plastic surgery loans, shop around and gather quotes from different lenders. Read the terms and conditions carefully before committing to a loan. Remember, a loan can help you afford the procedure you desire, but it's still a loan that you will have to pay back over time, so choose wisely.

Alternative Ways to Finance a Plastic Surgery

Here are the alternative ways you can opt for to finance cosmetic surgery or plastic surgery with bad credit:

  1. Credit cards are another financing option for plastic surgery. They offer the convenience of immediate financing, but they also come with high-interest rates.

  2. Medical loans. Many medical financing companies offer medical loans that can be used to finance plastic surgery. These loans usually have a fixed interest rate and repayment term.

  3. Home equity loans are secured loans allowing homeowners to borrow money against their home's equity. They usually have a lower interest rate than personal loans, but they also come with the risk of losing your home if you default on the loan.

  4. Crowdfunding is an emerging trend where people use online platforms to raise funds for medical procedures, including plastic surgery. However, this option requires marketing skills and may not work for everyone.

Financing plastic surgery can be challenging, but there are alternative ways to finance it. Personal cosmetic surgery loan, credit cards, medical credit cards, medical loans, home equity loans, and crowdfunding are some of the ways you can finance plastic surgery. Choose the option that works best for you financially and takes into account any risks involved.


What credit score do I need to finance plastic surgery?

The credit score needed to finance plastic surgery in the USA can vary by lender and the type of financing option available. Generally, a good credit score of 640 or higher is often required to qualify for financing with competitive interest rates. However, some lenders may accept credit scores as low as 580 or offer alternative financing options for those with poor credit. Research and compare different lenders and financing options to find the best fit for your credit score and financial situation.

How do most people finance plastic surgery?

People finance plastic surgery in the USA with savings, credit cards, personal loans, and financing plans. Some people may choose to travel to other countries where plastic surgery is less expensive. However, this option comes with its own set of risks and considerations. Consider all options and discuss them with a financial advisor and medical professional before making a decision.

Can you get breast implants with bad credit?

It is possible to get breast implants with bad credit in the USA, but it may be more difficult to obtain financing. Some plastic surgery centers offer financing options for those with poor credit, but the interest rates may be higher than for those with good credit. Research and compare financing options before committing to a particular plan. Additionally, some health insurance plans may cover breast augmentation surgery if it is considered medically necessary.

Do you have to have good credit to finance a tummy tuck?

You will need to have good credit to finance a tummy tuck in the USA, as it is considered an elective cosmetic procedure that is not typically covered by insurance. Many plastic surgery practices offer financing options, such as medical credit cards, personal loans, and payment plans, but these programs often require a credit check and may come with interest rates and fees. It's a good idea to research and compare financing options before committing to a payment plan and to ensure that you are financially prepared to cover the costs of the procedure.

Can you get a personal loan for plastic surgery?

Yes, it is possible to obtain a personal loan for plastic surgery in the USA. Many lenders offer personal loans specifically for medical procedures, including plastic surgery. Compare different loan options, such as interest rates and repayment terms, before deciding on a loan. Consider the potential risks and benefits of plastic surgery and consult with a licensed medical professional before making any decisions.
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