Choose a country
United States
Select a city
Select a city
Select language
Select country
Choose a country
United States
United States
Việt nam

Uncovering Affordable Loans for Your Plastic Surgery

Navigating the complex world of plastic surgery financing can be daunting. With a range of loan options at your disposal, it's easier than you might think to finance your cosmetic procedure. This article sheds light on the best strategies and platforms to secure affordable loans for your plastic surgery. Compare, select, and move forward with confidence.
Offers: 3
Best Quick Loan Today 27.02.2024*
Need a Quick Loan Now?
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
100.00 – 2000.00 $

Effective interest rate on the product

0.05 – 2.50 %

Loan term for the financial product

5 days – 3 months
Submit One Loan Application Online!
Submit One Loan Application Online!

Use our quick loan matching system with a free credit check!

Best Personal Loan Today 27.02.2024*
Personal Loans
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
2000.00 – 100000.00 $

Effective interest rate on the product

6.34 – 35.89 %

Loan term for the financial product

2 months – 72 months
Personal Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
2500.00 – 40000.00 $

Effective interest rate on the product

from 13.99 %

Loan term for the financial product

36 months – 84 months
Plastic Surgery Loan Calculator
The best personal loan calculator
Personal loan amount

Specify tt=he amount you want to receive

1000 $
100000 $
Personal loan term

Specify the desired length of the personal loan

Interest rate

Choose the interest rate on the loan

2 %
40 %
Type of payments

Specify the type of payment for calculating

The Legal Status of Plastic Surgery Loans in the USA

In the USA, personal loans are legal and typically used for non-business needs. They must be repaid according to the loan agreement, which includes interest and a repayment timeline. Various laws regulate these loans, including the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and the Truth in Lending. These laws protect both the lender's interests and the borrower's rights, ensuring fairness and transparency in the lending process.

The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
JG Wentworth
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
OneMain Financial
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
My Funding Choices
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Plain Green Loans
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Advance America
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...

What Are Loans for Plastic Surgery?

Loans for plastic surgery are financial products designed to cover the costs of cosmetic procedures or elective surgeries. These loans provide individuals with the opportunity to undergo desired cosmetic treatments without having to pay the full amount. Plastic surgery loans are specifically intended to finance surgical procedures and medical expenses related to them (cosmetic procedures such as breast augmentation, rhinoplasty, liposuction, facelifts, tummy tucks, and other aesthetic plastic surgery, laser hair removal, etc.).


  1. Loan Amount. Cosmetic surgery loans provide an opportunity for individuals to borrow money specifically for elective cosmetic procedures. The loan amount can vary depending on the lender, covering either the full or partial cost of the procedure.
  2. Flexible Repayment Terms. Borrowers of cosmetic surgery loans have the flexibility to choose repayment terms that align with their financial circumstances. They can select a repayment period ranging from a few months to several years, allowing them to make manageable monthly payments.
  3. Competitive Interest Rates. Lenders offering cosmetic surgery loans strive to provide competitive interest rates. The specific interest rate offered may vary based on factors such as the borrower's creditworthiness, loan amount, and the chosen loan term. Borrowers will need to pay interest on the borrowed amount.
  4. Quick and Easy Application Process. Many lenders simplify the application process for cosmetic surgery loans, making it quick and easy. Borrowers can often complete an online application form within minutes, streamlining the approval process and enabling them to access funds promptly.
  5. No Collateral Required. Cosmetic surgery loans typically fall under the category of unsecured personal loans. This means borrowers do not need to provide collateral or secure the loan with assets. They can borrow money without risking their property or valuables.
  6. Specialized Financing. Certain lenders specialize in offering loans specifically tailored for cosmetic surgery. These lenders deeply understand the unique financing needs associated with elective cosmetic procedures. They provide specialized financing solutions that cater to these requirements.
  7. Pre-Approval Options. Cosmetic surgery loans may include pre-approval options, allowing borrowers to check their eligibility and review potential loan terms before committing to the procedure. This feature assists individuals in effectively planning and budgeting for their cosmetic surgery.
  8. Disbursement Directly to the Provider. To simplify the financing process, cosmetic surgery loans often directly disburse funds to the healthcare provider or clinic responsible for performing the procedure. This ensures that the loan amount is utilized for the intended purpose of paying for cosmetic surgery.
  9. No Hidden Fees. Reputable lenders offering cosmetic surgery loans prioritize transparency in their fee structures. Borrowers are encouraged to thoroughly review the loan terms and conditions to ensure no hidden fees or charges are associated with the loan.
  10. Option for Early Repayment. Some cosmetic surgery loans offer the flexibility of early repayment without incurring any penalties. This feature is beneficial for borrowers who wish to pay off their loans ahead of schedule, potentially reducing the total interest paid. The loans may come with fixed interest rates, allowing borrowers to maintain consistent monthly payments.
  11. Fair Credit Consideration. Lenders providing cosmetic surgery loans take into consideration the creditworthiness of borrowers, including those with fair credit scores. While excellent credit is advantageous, individuals with fair credit can still be eligible for financing options to undergo their desired cosmetic procedures.

    Pros and Cons


    1. Access to Cosmetic Procedures. Loans for plastic surgery allow individuals to undergo the cosmetic procedure they desire. By offering financial assistance, these loans make it possible for individuals to enhance their appearance and boost their self-confidence.
    2. Flexible Financing Options. Borrowers can select loan terms and repayment periods that suit their financial situation. This flexibility allows them to manage their budget effectively and choose monthly payments that are affordable and convenient.
    3. Promotional Periods. Some plastic surgery loans come with promotional periods, which offer deferred interest or lower interest rates for a specified duration. During this period, borrowers have the opportunity to pay off the loan without accruing interest, saving them money in the long run.
    4. Competitive Interest Rates. Lenders offering loans for plastic surgery strive to provide competitive interest rates to attract borrowers. Lower interest rates reduce the overall cost of financing, making the loan more affordable and manageable.
    5. Affordable Monthly Payments. Loans for plastic surgery typically come with fixed interest rates and structured repayment plans. This allows borrowers to make consistent monthly payments that fit within their budget, making planning and managing their finances easier.
    6. Quick Approval Process. Many lenders have streamlined their application processes for plastic surgery loans. This means borrowers can receive a quick approval decision, enabling them to proceed with their planned cosmetic procedure in a timely manner.
    7. No Collateral Required. Plastic surgery loans are often unsecured, meaning borrowers do not need to provide collateral or secure the loan with assets. This eliminates the risk of losing personal property in case of non-payment.
    8. Personalized Financing Solutions. Some lenders specialize in offering loans specifically tailored for plastic surgery. These lenders understand the unique financial needs of individuals seeking cosmetic procedures and can provide customized financing solutions that address their specific requirements.
    9. Improved Financial Planning. Loans for plastic surgery often provide borrowers with clear terms and repayment schedules. This enables individuals to plan their finances effectively, knowing the exact amount they need to pay each month and the duration of their loan.
    10. Deferred Interest Options. In some cases, loans for plastic surgery offer deferred interest options. This means that borrowers may not have to pay interest during a specific period, allowing them to focus on recovering from the procedure before starting regular payments.


      1. Higher Total Cost. Plastic surgery loans can lead to a higher overall cost for the procedure due to interest charges and associated fees. Borrowers should carefully calculate the total amount they will repay, including interest, to understand the long-term financial implications.
      2. Monthly Payments. Borrowers of plastic surgery loans must make monthly payments to repay the loan amount. This additional financial obligation can strain their budget and potentially affect their ability to meet other financial responsibilities.
      3. Stricter Payment Plans. Plastic surgery loans often come with more rigid payment plans compared to other financing options. Borrowers may have to adhere to a specific payment schedule, limiting their flexibility to adjust monthly payments based on their changing financial circumstances.
      4. Challenges for Bad Credit Borrowers. Individuals with bad credit may face difficulties in obtaining plastic surgery loans. Lenders often consider creditworthiness, and those with poor credit may be subject to higher interest rates or even denial of loan applications.
      5. Money Upfront. Plastic surgery loans require borrowers to have the full amount of the surgery upfront. This upfront payment requirement can be a barrier for individuals who do not have immediate access to the necessary funds.
      6. Elective Surgery Dependency. Plastic surgery loans are primarily used for elective procedures like facelifts or cosmetic enhancements. It's important to recognize that these loans are taken for non-essential purposes and should be carefully considered in terms of their financial impact.
      7. Potential for Long-Term Debt. Taking on a plastic surgery loan means incurring debt, and borrowers should be aware of the potential for long-term financial obligations. Mismanagement of the loan can result in lasting debt and impact the individual's financial future.
      8. Limited Financing Options. The availability of plastic surgery loans can be limited depending on the lender and the individual's circumstances. Exploring multiple financing sources and considering alternatives to secure the most favorable terms and conditions is advisable.
      9. Limited Use of Specialized Credit Cards. While medical credit cards are widely accepted by healthcare providers, clinics, and hospitals, even for cosmetic surgery financing, to cover other services provided by plastic surgeons, they may have limited acceptance outside the medical field.

        How to Get a Loan for Plastic Surgery

        Apply for a loan

        1. Research Lenders. Start by researching lenders that offer plastic surgery loans at competitive rates. Look for reputable financial institutions, online lenders, or specialized medical financing providers offering loans for cosmetic procedures.
        2. Check Eligibility Criteria. Review the eligibility criteria of potential lenders ready to finance medical providers' services. They may have age, credit score, income, and employment status requirements. Ensure that you meet the necessary criteria before proceeding with the application.
        3. Determine Loan Amount. Calculate the total cost of your desired plastic surgery procedure. Determine the loan amount you need to cover the expenses not covered by personal savings or other financing options.
        4. Gather Documentation. Prepare the necessary documents for the loan application. This may include identification documents, proof of income, bank statements, and any other documents required by the lender to assess your financial situation.
        5. Compare Loan Options. Request loan quotes or pre-approval offers from multiple lenders. Compare interest rates, repayment terms, and any associated fees to find the loan option that best suits your needs.
        6. Submit the Application. Complete the loan application process with your chosen lender. This can often be done online through the lender's website. Provide accurate and detailed information, ensuring that all required fields are filled out correctly.
        7. Await Approval. After applying, await the lender's decision. Depending on the lender's processing time, this process may take a few days. Be prepared to provide any additional information or documentation requested by the lender.
        8. Review Loan Terms. If your loan application is approved, carefully review the loan terms and conditions. Pay attention to the interest rate, repayment period, monthly payment amount, prepayment penalties, unemployment protection options, and associated fees. Ensure that you fully understand the obligations and responsibilities as a borrower and the terms of promotional financing, if available.
        9. Accept the Loan Offer. If you are satisfied with the loan terms, accept the loan offer from the lender. This may require signing a loan agreement or electronically accepting the terms and conditions.
        10. Receive Funds and Schedule Surgery. Once you accept the loan offer, the lender will disburse the funds to your designated bank account. You can then schedule your plastic surgery procedure with the healthcare provider or clinic.

          Requirements and Conditions

          1. Credit Score. Lenders typically assess the borrower's creditworthiness; a minimum credit score may be required to qualify for a plastic surgery loan. The specific credit score requirement can vary between lenders, but a higher credit score generally increases the chances of loan approval and may lead to better loan terms.
          2. Income and Employment. Lenders may ask for proof of income and employment to ensure that borrowers have a stable financial situation and the ability to make monthly loan payments. They may require recent pay stubs, tax returns, or bank statements as documentation.
          3. Age and Legal Status. Borrowers must typically be at least 18 years old to apply for a loan. Some lenders may also have restrictions based on residency or citizenship status, requiring borrowers to be legal residents or citizens of the country where the loan is being obtained.
          4. Loan Amount and Purpose. Lenders may have minimum and maximum loan amount limits for plastic surgery loans. The loan purpose must be clearly stated as financing a specific plastic surgery procedure.
          5. Loan Repayment Terms. Plastic surgery loans come with specific repayment terms, including the duration of the loan and the frequency of payments. Borrowers should review these terms, including the interest rate and any fees associated with the loan, to understand the total cost of borrowing.
          6. Documentation. Borrowers will need to provide the necessary documentation during the loan application process. This may include identification documents (such as a driver's license or passport), proof of income, bank statements, and any additional documents required by the lender to assess the borrower's financial situation.
          7. Loan Approval Process. Once the loan application is submitted, lenders will review the information provided, assess the borrower's creditworthiness, and make a decision on loan approval. The approval process may take several days, depending on the lender's processing time.
          8. Collateral and Guarantees. Plastic surgery loans are typically unsecured loans, meaning they do not require collateral or guarantees. However, some lenders may offer secured options that require collateral, such as property or assets, to secure the loan.

            Best Places to Get a Loan for Plastic Surgery Today 27.02.2024

            Prosper Healthcare Lending

            Apply for a loan

            Prosper Healthcare Lending, a trusted provider of medical financing. They offer competitive interest rates and flexible loan terms, allowing borrowers to access the funds they need for their plastic surgery journey. With a simple online application process, Prosper Healthcare Lending makes it convenient for individuals to apply for and receive loan approval.


            Apply for a loan

            CareCredit is another popular choice for financing plastic surgery procedures. As a leading healthcare financing provider, CareCredit offers a wide network of healthcare providers and convenient repayment options. With their assistance, borrowers can access the necessary funds for their plastic surgery needs and repay the loan over time.

            PNC Bank

            Apply for a loan

            PNC Bank is known for its various personal loan options that can be used for various purposes, including plastic surgery financing. Competitive rates, a quick application process, and flexible loan terms provide borrowers with a convenient and reliable financing solution.

            Discover Bank

            Apply for a loan

            Discover Bank, a well-known financial institution in the United States, offers personal loans that can be used for various purposes, including medical expenses such as plastic surgery.

            Enhance Patient Financing

            Apply for a loan

            Enhance Patient Financing is dedicated to providing financing options for elective medical procedures, including plastic surgery. Their competitive rates and flexible repayment plans make it easier for individuals to access the funds necessary to undergo their desired plastic surgery procedures.

            Alphaeon Credit

            Apply for a loan

            Alphaeon Credit is another reputable provider of financing options for medical treatments, including plastic surgery. With affordable payment plans and a straightforward application process, Alphaeon Credit helps individuals achieve their plastic surgery goals by providing the necessary financial support.

            Ways to receive the money

            When it comes to financing for a plastic surgery procedure, the loan process typically involves the secure transfer of funds directly to the healthcare provider or clinic responsible for performing the surgery. Once your loan is approved and all necessary documentation is completed, the lender will work closely with the healthcare provider to disburse the funds accordingly.

            The lender may utilize various methods, such as issuing checks, facilitating electronic payments, or utilizing other approved transfer methods to ensure that the funds are allocated exclusively to cover the cost of plastic surgery. It's important to note that the specific procedures and protocols may vary depending on the lender and the agreements established between the lender and the healthcare provider.

            Things to pay attention to

            1. Interest Rates. Take note of the interest rates offered by different lenders. Compare the rates and choose a financing option with a competitive interest rate to minimize the overall cost of the loan.
            2. Loan Terms. Review the loan terms carefully, including the repayment period and any associated fees. Ensure that the terms align with your financial situation and that you can comfortably meet the monthly payment obligations.
            3. Hidden Fees. Thoroughly examine the loan agreement for any hidden fees or charges. Pay attention to origination fees, prepayment penalties, and other potential costs that may impact the total amount you will repay.
            4. Credit Requirements. Understand the credit requirements set by the lender. Some lenders may have strict credit score criteria, while others may offer financing options for individuals with less-than-perfect credit. Choose a lender that aligns with your credit profile.
            5. Loan Approval Process. Familiarize yourself with the loan approval process. Determine the required documentation, the timeline for approval, and any additional steps involved. Be prepared to provide the necessary information to expedite the process.
            6. Repayment Options. Check if there are flexible repayment options available. Some lenders offer options such as bi-weekly payments or the ability to make additional payments without penalties. Such flexibility can help you manage your finances effectively.
            7. Financing Terms for Specific Procedures. Inquire about any specific financing terms or offers for the particular plastic surgery procedure you are considering. Some lenders may have specialized financing options tailored to certain procedures, which could provide more favorable terms.
            8. Provider Acceptance. Ensure that the healthcare provider or clinic accepting the financing option is reputable and experienced in performing the specific plastic surgery procedure. Confirm their acceptance of the financing arrangement before proceeding.
            9. Impact on Credit Score. Understand how plastic surgery financing may impact your credit score. Late or missed payments can negatively affect your credit, while consistent, on-time payments can help improve your creditworthiness.
            10. Alternative Financing Options. Explore other financing alternatives, such as personal loans or credit cards, to compare terms and find the most suitable option for your circumstances. It's important to consider all available options before making a final decision.

              How to repay loans for plastic surgery

              Most plastic surgery loans are repaid through monthly installments. This involves making regular payments over a set period of time, typically with a fixed interest rate. The loan amount, including the entire cost of the elective procedure, is divided into equal payments to be paid off within the agreed-upon timeframe.

              If you have the means to do so, another option is to pay off the loan in full with cash. This allows you to avoid accruing interest charges and potentially save money in the long run. Paying in cash also eliminates the need for monthly payments and allows you to have immediate ownership of the procedure without any outstanding debt.

              Some plastic surgery loans may come with promotional periods that offer low or zero percent interest rates for a specified time. It's important to be aware of these promotional periods and aim to pay off the entire loan balance before the period expires. This can help minimize interest charges and reduce the overall cost of the procedure.

              If your loan terms allow, consider making extra payments towards the loan whenever possible. Paying more than the required monthly installment can accelerate the repayment process and reduce the overall interest paid over time. This approach can help you repay the loan faster and save money on interest charges.

              Create a budget and financial plan to ensure you can comfortably afford the monthly loan payments if you can't pay off the balance. Prioritize your loan repayment within your overall financial obligations and allocate funds accordingly. Sticking to a well-structured budget will help you stay on track and avoid late payments or defaulting on the loan. Financial planning helps to stay within the grace period and avoid interest.


              1. Personal Loans. If you're seeking financing for your plastic surgery, you can explore personal loans offered by banks, credit unions, or online lenders. Personal loans provide a lump sum of money that can be used to cover the cost of your plastic surgery procedure.

              2. In-Store Financing. Many plastic surgery clinics or providers offer in-store financing options tailored to cosmetic procedures. This allows you to receive the treatment and repay the amount over a designated period with fixed monthly payments.

              3. Specialized Financing for Cosmetic Procedures. Some lenders specialize in offering financing options specifically for elective cosmetic procedures. These lenders understand the unique needs of individuals seeking plastic surgery and provide flexible financing terms, competitive interest rates, and a range of loan products to accommodate the cost of the procedure.

              4. Credit Cards. If you have a credit card with a sufficient credit limit, you may consider using it to finance your plastic surgery expenses. However, it's important to carefully review the interest rates and repayment terms associated with your credit card to ensure it is a cost-effective option.

              5. Medical Credit Cards. There are specific credit cards designed for medical expenses, including plastic surgery. These cards often come with promotional periods offering low or zero percent interest rates. It's crucial to understand the terms and conditions of the medical credit card to maximize its benefits and manage your repayments effectively.

              6. Home Equity Loans or Lines of Credit. If you own a property with accumulated equity, you may explore the option of utilizing a home equity loan or line of credit to finance your plastic surgery. These loans leverage the equity in your property, providing access to a significant amount of funds. However, it's important to carefully consider the terms, interest rates, and potential risks associated with using your home as collateral.

              Editorial opinion

              Plastic surgeries are quite costly, and for this reason, plastic surgery financing is a popular topic.

              Health insurance providers are more likely to cover plastic surgery procedures deemed medically necessary rather than elective or purely cosmetic procedures. You should check out if your case is eligible to get overage through insurance. It may be applied to the cases of reconstructive plastic surgery financing.

              Plastic surgery financing can provide individuals with the best possible experience when it comes to financing their plastic surgery procedures. It offers the flexibility to spread the costs of the surgery over time, making it more manageable to afford the procedure, surgeon's fees, anesthesia, and other associated expenses. Additionally, some financing options may offer competitive interest rates or deferred payment periods, allowing individuals to proceed with their plastic surgery while easing immediate financial strain. It's important to shop around and explore different financing options to find the best solution that suits your needs and qualifications. During your research, you may come across helpful tips that can assist you in making an informed decision when choosing a plastic surgery loan and signing the necessary loan documents.

              However, it's crucial to approach plastic surgery financing with caution and consider potential drawbacks before committing to a loan and borrowing money. Taking on additional debt means taking on additional financial obligations, including interest payments. It's essential to carefully evaluate the total cost of the loan, including interest charges and fees, to ensure it aligns with your budget and financial goals, especially when it comes to medical-related financing. Thoroughly reviewing and understanding the terms and conditions of the loan agreement is vital, paying close attention to interest rates, repayment schedules, and any potential penalties. If you have any questions or concerns, loan officers are available to assist you in gaining clarity before signing the loan documents for your plastic surgery financing.


              At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

              In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

              At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

              Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

              Additional resources

              To learn more about plastic surgery loans and best practices, check out some of the following resources:



              Is it hard to get a plastic surgery loan?

              Obtaining a plastic surgery loan can vary depending on various factors, such as your credit history, income, and the specific lender's requirements. Getting a plastic surgery loan can be relatively straightforward for individuals with a good credit score and a stable financial background. Many lenders offer financing options specifically tailored to elective procedures like plastic surgery, making the process more streamlined. However, obtaining a plastic surgery loan may be more challenging for individuals with lower credit scores or less stable financial situations. In such cases, it's important to explore alternative financing options, improve your creditworthiness, or consider co-signers to increase your chances of approval. Additionally, some lenders may require a detailed consultation and a firm treatment plan from your chosen plastic surgeon to assess the viability of the loan. It's advisable to research different lenders, compare their requirements, and ensure you meet the necessary criteria before applying for a plastic surgery loan.

              Can I get a loan to pay for my plastic surgery?

              Yes, obtaining a loan to pay for your plastic surgery is possible. Many financial institutions and specialized lenders offer financing options tailored to elective medical procedures, including plastic surgery. These loans are designed to help individuals cover the cost of their desired cosmetic treatments or surgeries. The availability and terms of the loan will depend on factors such as your credit history, income, and the specific lender's requirements. Researching and comparing different lenders is important to find the most suitable loan option that aligns with your financial situation and goals. Additionally, some plastic surgery clinics or providers may offer their own in-house financing programs, allowing you to finance the procedure through them directly.

              Do medical credit cards exist?

              Yes, medical credit cards do exist. Medical credit cards are a type of financing specifically designed to cover healthcare expenses, including elective procedures such as plastic surgery. Financial institutions offer these cards in partnership with healthcare providers and clinics. Medical credit cards function similarly to regular credit cards, allowing individuals to charge and repay medical expenses over time. They often come with special features such as promotional periods with low or zero percent interest rates, making them an attractive option for individuals seeking to finance their medical treatments. Medical credit cards can provide a convenient and flexible payment option for those who want to manage their healthcare costs and spread out the payments over a designated period. It's important to carefully review the terms and conditions of medical credit cards, including interest rates, fees, and repayment terms, to ensure they meet your financial needs and objectives.