Cosmetic Surgery Financing
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Get pre-qualified for loan offers with an easy online form
Won't impact your credit
Checking offers will not impact your credit score
Competitive payment options
Funding up to $100,000 and APRs as low as 4.99%1
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Cosmetic Surgery Loans
Cosmetic surgery can boost our confidence or in some cases help us correct natural birth defects. Procedures can vary in price but most will require savings or financing. Luckily, you can finance just about any kind of cosmetic surgery. Depending on your financial situation and the cost of the surgery, the type of financing that is best can vary.
Quick. Simple. Secure.
How To Apply For Cosmetic Surgery Financing
Fill out easy online form to check for pre-qualified offers with no impact to your credit score
Compare terms and payment options to select offer that’s best for you
Complete application process on your selected lender’s website
After loan approval, your funds should arrive within 1-2 business days2
COMPARE RATES FROM TOP LENDERS
“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”
- Mike T. (TN)
“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”
- Carol R (FL)
“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”
- Bob S (WI)
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FREQUENTLY ASKED QUESTIONS
Learn More About Cosmetic Surgery Financing
Keep reading to learn more about cosmetic surgery financing.
Read more - FAQ
What is cosmetic surgery financing?
Cosmetic surgeries and procedures may include liposuction, tummy tuck, breast augmentation, body sculpting, rhinoplasty, plastic surgery, and reconstructive surgery. In most cases, these procedures are not deemed medically necessary with the exception of some reconstructive surgery such as after the removal of a breast as part of cancer treatment. The average cost for many of these surgeries can range anywhere from $5,000 to $10,000 – a very high expense.
Since cosmetic surgery is not typically deemed as medically necessary, the costs associated with these procedures are not generally covered by insurance. Even if your policy does cover some types of plastic surgery such as reconstructive surgery, it is likely that it will be partial coverage.
There are a few different options that cosmetic surgery patients can consider to help fill in the gap. One popular way to finance the cost of a plastic surgery is to use a healthcare credit card like CareCredit that is accepted by thousands of doctors and care providers nationwide.
Another common way to pay for your cosmetic procedure is to use a personal loan. With low fees, competitive interest rates, and flexible loan terms – a personal loan is often the way to go.
Can you get a loan for cosmetic surgery?
Personal loans taken out for cosmetic surgery typically come in loan amounts ranging from $1,000 to $50,000, with loan terms ranging from 2 to 7 years. The average interest rate on a personal loan as of 2022 sits right around 10% for borrowers with the best credit scores.
At Acorn Finance, you can check personal loan offers with no impact to your credit score. With access to a network of top national lenders, Acorn Finance allows consumers to receive some of the best personal loan offers available. Our lending partners can offer personal loans up to $100,000 and APRs as low as 3.99%, depending on credit score. To top it all off, our lending partners can help good and bad credit borrowers and some even allow applicants to apply with a cosigner.
Can you get cosmetic surgery financing with bad credit?
One of the most common ways this is done is to use a cosigner or co borrower to qualify for your loan. When you use a cosigner or co borrower, their information is looked at in addition to your own, allowing the lender to give you access to a loan as well as to better interest rates.
As an alternative to hunting down a cosigner, you may still be able to qualify for a loan on your own if you know where to look. Some online lenders will approve loan candidates with bad credit. For example, Upgrade has a minimum credit score requirement of only 560 to qualify and OneMain Financial and LendingPoint have a minimum credit score requirement of only 600.
Do plastic surgeons offer payment plans?
Alternatively, you can ask your surgeon if they have a cash discount for paying upfront in cash. If you use an outside personal loan, you may be able to get a cash discount from the surgeon since the lender will typically fund your loan directly rather than paying the medical practice.
Do plastic surgeons offer in-house financing?
Plastic surgery financing calculator: how much would a cosmetic surgery loan cost?
The total cost of your cosmetic surgery loan will depend on how much cash you put down, what interest rate you receive, the amount of any fees you will be charged by the lender, and how long the repayment period of your loan will be. The longer the loan term – the more payments you will have and the more you will be charged in interest over the lifetime of the loan.
Additionally, your credit score will affect the overall cost of your cosmetic surgery loan by affecting the interest rate that you receive. The higher your credit score – the less you can expect to pay interest over the lifetime of the loan, and vice versa for those with poor credit.
Pros & Cons of cosmetic surgery financing
On the other hand, cosmetic surgery financing may tempt consumers into undergoing a costly procedure that they truthfully cannot afford. Before signing on the dotted line, you should make sure that the monthly payment is manageable with your budget, and the loan balance is one that you will be able to pay back. If you are able to pay upfront in cash using your checking or savings account, this is always going to be the best option for handling any major expense.
Discover competitive cosmetic surgery financing offers, all with no impact to your credit score. . . get started now!
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