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Plastic Surgery Loans for Bad Credit

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Bad Credit Plastic Surgery Financing

Take action today and get financing for the plastic surgery that you desire. Life is too short to not live confidently! Check for offers, compare offers, and apply for a plastic surgery loan for bad credit today!

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How to Get Plastic Surgery Loans for Bad Credit

Check Offers for Bad Credit Plastic Surgery Financing at Acorn Finance
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After your loan is approved, your funds should arrive within 1-2 business days2

Quick, Simple & Online: Bad Credit Plastic Surgery Financing

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Helping You Find Plastic Surgery Loans for Bad Credit

How do plastic surgery loans for bad credit work?

Plastic surgery loans for bad credit are typically structured like any other personal loan. The majority of personal loans are unsecured, have a fixed interest rate, and operate on an installment structure. This means they are funded as a lump sum to cover your procedure and repaid in fixed monthly installments with interest. Some cosmetic surgery practices may offer pay plans or financing offers with promotional periods that are interest free. If you’re considering plastic surgery financing, it’s helpful to have a consultation to determine how much the procedure will cost. With an accurate estimate you can then proceed to finding a financing option that fits your budget.

Plastic Surgery Loans for Bad Credit: Frequently Asked Questions

What are plastic surgery loans for bad credit?

Plastic surgery loans for bad credit are personal loans that are designed for bad credit borrowers that need financing for plastic surgery. While it is true that the majority of lenders prefer to work with borrowers that have a good or excellent credit, there are lenders that specialize in funding for individuals with bad credit. 

How do you find the best bad credit plastic surgery financing?

You should be putting just as much thought into where you can find the best bad credit plastic surgery financing as you are into the doctor you choose for your cosmetic procedure. When you balance your efforts, you can work toward finding the best of both worlds. While some practices may offer financing, there are options online too. For bad credit borrowers, online lenders can have less strict requirements. To compare offers with no credit impact, visit Acorn Finance. Comparing offers and options is one of the best ways to determine which offer is truly best. 

How do you qualify for a plastic surgery loan when you have bad credit?

Here’s a list of what lenders can take into consideration when qualifying borrowers for a loan.

  • Credit score: This one was obvious, right? What you should know is that each lender can have their own set of eligibility criteria - and this can include credit score minimums. 
  • Income: Your poor credit score may be less important in the eyes of a lender if you have sufficient income. 
  • Debt-to-income ratio: This is a big one. If you have a good amount of income, but your entire paycheck is already spoken for, you’re going to have a hard time finding a lender that will want to work with you. Alternatively, if you do not have much existing debt, there are likely lenders out there that can work around your bad credit. 
  • Job history: Lenders like to see a stable job history. 

Are plastic surgery loans worth it when you have bad credit?

A plastic surgery loan may be worth it, even if you have bad credit, if the procedure you are considering will significantly boost your confidence or bring you joy. That is, of course, if you can comfortably afford a new monthly financial obligation. If you do not have room in your budget for any more expenses, it may be worth waiting until you’re in a better position financially before considering bad credit, plastic surgery financing.

Compare & Shop Plastic Surgery Loans for Bad Credit at Acorn Finance

If you’ve ever looked into getting plastic surgery, you may have been shocked at the costs. Despite the cost though, the desire to look a certain way may be worth it for some. Life is short so if you can find a way to afford plastic surgery and it can boost your confidence, it may be worth it. 

With the increase in demand for cosmetic procedures, more ways to make it affordable are becoming available. From payment plans to financing, plastic surgery may be more attainable than you think. If you have bad credit though, you’ll need to know a few things before proceeding. Here’s what you should know about plastic surgery financing for bad credit. 

Learn More About Bad Credit Plastic Surgery Loans:

What credit score is needed to qualify for a plastic surgery loan?

There is not any universal minimum in place when it comes to the credit score necessary to qualify for a plastic surgery loan. With that being said, determine how much you need to borrow and proceed to getting prequalified. If you have some time to spare, consider checking your credit score to determine if you can boost it before taking out a loan. 

Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

Can I use a personal loan for plastic surgery?

That’s the, ahem, beauty of a personal loan, typically you can use funds for anything you wish - including plastic surgery. Personal loans often have no spending restrictions, making them a frequent choice for individuals looking for plastic surgery financing. 

What costs are associated with plastic surgery services?

As we mentioned earlier, plastic surgery typically comes with a hefty price tag. Here are some averages that you can expect: 

  • Breast augmentation - $4,516
  • Buttock implants - $5,278
  • Cheek implants - $3,669
  • Tummy tuck - $6,154

These costs can vary by region, and to learn about any other cost associated, you should consult with your doctor.

How can I find the best plastic surgery financing near me?

To find the best plastic surgery financing you could start by seeing what local practices can offer. However, you should not qualify a doctor by their financing offers. To broaden your choices, consider using an online personal loan. At Acorn Finance you can check offers and find a lender to work with. Once approved you can receive funds as a lump sum and choose the doctor of your choice. This gives you the freedom to get the best of both worlds. 

How do you apply for a plastic surgery loan when you have bad credit?

Applying for a plastic surgery loan when you have bad credit won’t be much different than applying for any other loan. Before applying, we encourage you to check your credit score and see if there are ways to improve it. Next, gather documentation such as proof of income. When you’re ready to move forward, start by checking offers at Acorn Finance. As you submit personal information, make sure it accurately reflects what you can prove. Once you’ve received offers, you can choose the one that works best and proceed with the lender of your choice to complete the approval process.

Why choose Acorn Finance for a plastic surgery loan with bad credit?

Transform the loan shopping process with Acorn Finance. In 60 seconds or less (in the privacy of your own home or the waiting room of the doctor’s office) you can check personalized loan offers with no credit impact. With a large network of top national lenders, you can increase the chance of returning an offer(s). Our lending partners operate in a competitive environment and will do what they can to earn your business. Our lending partners can fund loans in as little as 1 business day, although funding times can vary.

What are the pros and cons of bad credit plastic surgery financing?


  • Gain a new sense of confidence with a plastic surgery procedure
  • Keep savings intact and leverage fixed monthly payments
  • Increase your plastic surgery budget 
  • Opportunity to boost your credit score with responsible borrowing


  • Potential to negatively impact your credit score if you miss any payments or default 
  • Taking on debt 
  • Interest rates and fees

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