Personal loans for cosmetic surgery and plastic surgery
Cosmetic surgery is almost never covered by health insurance, making personal loans one of the most common financing options. Procedures range from $3,000 for minor work to $25,000+ for multiple procedures. A personal loan deposits funds directly to your account so you can pay the surgeon directly - often at a lower total cost than CareCredit or in-office financing.
Why apply here.
- 01Funds deposited to your bank - pay the surgeon directly at their rates
- 02No collateral required
- 03Loan amounts from $2,000 to $35,000
- 04Fixed APR avoids the deferred interest trap of medical credit cards
- 05Soft credit check pre-qualification available before you commit
About this loan.
What cosmetic procedures can I finance with a personal loan?+
All elective cosmetic procedures including rhinoplasty, breast augmentation, liposuction, tummy tuck (abdominoplasty), facelift, eyelid surgery, hair transplant, dental veneers, Invisalign, laser eye surgery (LASIK), dermal fillers, and body contouring. The loan proceeds deposit to your bank account and you pay the provider directly. The lender does not restrict how funds are used for elective medical or cosmetic purposes.
Personal loan vs CareCredit for cosmetic surgery: which is better?+
CareCredit uses deferred interest: if you do not pay the full balance by the promotional end date (6-24 months), the full accumulated interest at 26.99% APR is charged retroactively. A personal loan has a fixed rate from day one with no deferred interest trap. For amounts over $5,000 that you cannot pay off within the promotional window, a personal loan is almost always cheaper. For small amounts ($1,000-$3,000) you are certain to pay within 6 months, some medical card providers offer true 0% promotional periods that can win on cost.
Will I qualify for a personal loan for cosmetic surgery?+
Cosmetic surgery is an accepted loan purpose at all major online lenders. Approval depends on your credit score and income, not the medical purpose. Borrowers with 700+ credit scores qualify for $10,000-$25,000 at 9%-15% APR. Fair-credit borrowers (620-699) can typically get $2,000-$15,000 at 16%-28% APR. Apply 2-4 weeks before your scheduled procedure to ensure funds arrive on time for the required deposit.