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Compare hair transplant loans

Take advantage of cost-effective financing options to fund your hair transplant surgery.

Looking for the right loan? We're here to help.
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Name Product Interest Rate Loan Amount Loan Term Requirements Credit Score Link
LoanConnect Personal Loan
Secured from 1.90%, Unsecured from 9.90%-46.96%
$500 - $50,000
3 - 120 months
Currents debts must total less than 60% of income
Min. credit score: 300
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An online broker who helps inform clients towards better finances. Get pre-approved by different lenders for unsecured or secured loans in 5 minutes with any credit score.
ConsumerCapital Personal Loan
19.99% - 32.99%
$1,500 - $12,500
24 - 60 months
Min. income of $1,900 /month, 6+ months employed
Min. credit score: 540
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An online lender that provides fast unsecured personal loans. Complete an application in less than 10 minutes and get a decision within 24 hours.
Spring Financial Personal Loan
17.99% - 46.96%
$500 - $15,000
9 - 48 months
Min. income of $1,800 /month, 3+ months employed
Min. credit score: 400
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An online lender offering unsecured personal loans and credit builder loans. Those filing for bankruptcy or a consumer proposal can also apply. If you're not eligible for an unsecured loan, you may be offered a loan to help rebuild your credit.
goPeer Personal Loan
8.00% - 31.00%
$1,000 - $25,000
36 - 60 months
Min. income of $15,000 /year
Min. credit score: 600
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Canada's first regulated consumer peer-to-peer lending platform offering unsecured loans. Connects creditworthy Canadians looking for a loan with Canadians looking to invest. goPeer strives to offer the most competitive interest rates. Apply in minutes and get a response within 24 hours.
Loans Canada Personal Loan
Secured from 2.00%, Unsecured from 8.00% to 46.96%
$300 - $50,000
3 - 60 months
No min. income or employment requirements
Min. credit score: 300
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An online broker with the largest lender network in Canada. Get matched for free with lenders offering both unsecured and secured loans through one quick application regardless of your financial situation.
SkyCap Financial Personal Loan
12.99% - 39.99%
$500 - $10,000
9 - 36 months
Min. income of $1,200 /month, stable employment
Min. credit score: 550
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An online lender offering unsecured personal loans to borrowers with a wide range of credit scores. Apply in less than 5 minutes and if approved, receive financing in as little as 24 hours.
FlexMoney Personal Loan
18.90% - 46.93%
$500 - $15,000
6 - 60 months
Min. income of $2,000 /month, 3+ months employed
Min. credit score: 500
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An online lender offering flexible unsecured loans. Apply in less than 10 minutes and if approved, receive financing in as little as 24 hours. Pay off your loan at any time.
Mogo Personal Loan
9.90% - 46.96%
$200 - $35,000
6 - 60 months
Min. income of $13,000 /year
Min. credit score: 500

Mogo offers a 100-day money-back guarantee. If you're not happy with your loan, pay back the principal and get your 100 days of paid interest and fees back.
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An online lender who aims for a hassle-free process through same-day unsecured loan approval and funding. Get a loan fast and track your credit score for free.
Fairstone Personal Loan (Unsecured)
26.99% - 39.99%
$500 - $25,000
6 - 60 months
Able to make monthly repayments on your loan
Min. credit score: 560
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An online lender with a team dedicated to professional service. Get a quote for an unsecured loan without impacting your credit score. Receive funds within as little as 24 hours. No prepayment fees.
Loan Away Personal Loan
19.90% - 45.90%
$1,000 - $5,000
6 - 36 months
No min. income or employment requirements
Min. credit score: 300
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A lender that approves unsecured loans in as little as 20 minutes. Get affordable monthly repayments with any credit score.
Fairstone Personal Loan (Secured)
19.99% - 23.99%
$5,000 - $50,000
36 - 120 months
Must be a homeowner
Min. credit score: 560
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Use your home equity to get a secured loan up to $50,000 with flexible repayment options and a long loan term. Get a quote without impacting your credit score.

Compare up to 4 providers

You’re probably aware that a hair transplant is very expensive. If you don’t have enough savings to cover the costs of the procedure upfront, there are several financing options available which may help you. Find out more about financing options, treatment options and costs in our guide below.

FlexMoney Personal Loan

FlexMoney Personal Loan


18.9 %APR


  • Same day funding
  • Quick online application
  • Pay off loan anytime

FlexMoney Personal Loan

Apply online in less than 10 minutes. If approved, receive funds in as little as 24 hours. Pay off your loan at any time.

  • APR: 18.90% - 46.93%
  • Loan amount: $500 - $15,000
  • Loan term: 6 - 60 months
  • Fees: No application, origination or prepayment fees
  • Min. credit score: 500
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Where can I get financing for a hair transplant?

There are several ways you can finance a hair transplant including:

  • Applying for financing from your bank or credit union.
  • Applying for a personal loan from an online lender.
  • Applying for a loan from a lender that specializes in providing loans for procedures such as hair transplants.
  • Looking for alternative financing methods including credit cards and lines of credit.

Representative example: Brian gets a hair transplant

Brian has been balding for many years and has decided to get a hair transplant. He has decided to get an FUE transplant and has been told the procedure will cost him $12,000.00. Since it’s a cosmetic procedure, Brian will have to pay out of pocket. With only $8,000.00 set aside, he decides to take out a $4,000.00 loan to cover the rest. With an excellent credit score of 810, Brian heads to his bank and gets approved for a personal loan with a competitive interest rate and a favourable loan term.

Cost of vacation$12,000.00
Loan typePersonal loan
Loan amount$4,000.00
Interest rate5.00%
Loan term1 year
Additional feesOrigination fee of 3.00% ($120.00)
Monthly payment$342.43
Total loan cost$4,229.16

*The information in this example, including rates, fees and terms, is provided as a representative transaction. The actual cost of the product may vary depending on the retailer, the product specs and other factors.

What types of personal loans are available for hair transplant procedures?

  • Unsecured personal loans. With an unsecured personal loan, you apply through a bank, credit union or online lender and request the necessary amount of funds. If the lender reviews and accepts your application, it will disburse the funds. You then make fixed repayments (usually monthly) for the term of the loan, which is typically anywhere from one to seven years. No collateral or security deposit is required with an unsecured loan.
  • Loans from speciality providers. A number of standalone providers offer financing for medical and cosmetic procedures such as hair transplants. The terms may differ between providers and options may include personal loans or other types of payment plans. You may have more options, including secured or unsecured loans with fixed or variable interest rates.

How much does a hair transplant typically cost?

The cost of a hair transplant varies widely depending on several factors such as the unique goals of each patient, the particular area treated, the treatment or combination of treatments used and the bio makeup of each patient.

  • For follicular unit extraction (FUE), the price is largely determined by the number of grafts you undergo. The price per graft can range anywhere from $6 to $12 per graft and the number of grafts needed for a routine hair transplantation can also vary widely, but ranges anywhere from a few hundred grafts for small bald patches to several thousand.
  • Much like FUE, follicular unit transplant (FUT) is a similar procedure, however costs tend to sit 40-50% lower, with grafts ranging from $2.50 to $6 per graft.
  • Besides FUE and FUT, there are other procedures like platelet-rich plasma (PRP), or even a combination of techniques.

Therefore, the total cost of a hair transplant is usually somewhere between $2,500 to $30,000 or more.

What types of hair transplants are available?

  • FUT (Follicular Unit Transplant). This technique involves surgeons taking a strip of skin (full of healthy donor hairs) from the back of a patient’s head and then transplanting it into bald spots through tiny incisions made into the scalp.
  • FUE (Follicular Unit Extraction). This is a refinement of the FUT technique and is one of the most widely used hair restoration techniques in the world. FUE involves the surgeon removing healthy donor hairs one-by-one. The hairs are then transplanted into balding spots without incisions. The entire procedure leaves no visible scars, unlike with FUT.
  • PRP (Platelet-Rich Plasma) hair restoration. Also known as vampire hair restoration, this method involves using a patient’s own blood as the source of hair restoration. PRP is what heals our wounds and forms our cells (think of the yellowish fluid forming on a scab). For hair restoration, PRP is infused into balding areas of the scalp, which then creates new cells to regrow hair naturally. Blood is initially extracted from the patient and then inserted into a centrifuge machine to extract the valuable PRP, which is then injected into the scalp.
  • Combination of techniques. More and more surgeons are using a combination of grafting techniques, such as FUE, with newer techniques in PRP, to combine the strengths of the two procedures. While a combination of techniques may get the best results, it’s also the more expensive option.

How to compare financing options

When comparing loans, take the following factors into consideration:

  • Interest rate. Look for a competitive interest rate on your loan and make sure you’re aware of the difference between a fixed and variable interest rate. If you choose a variable rate, make sure you’re able to afford repayments, as the rate may increase throughout your loan term.
  • Fees and charges. Pay attention to one-time fees like application fees and early repayment penalties. Some loans may also have ongoing fees such as monthly service charges.
  • Total cost of the loan. Known as the APR or Annual Percentage Rate, this number takes into account both the interest rate and fees for the loan. Knowing the total cost of the loan will help you compare different lenders and loans — helping you make a better decision.
  • Minimum loan amount. Pay attention to the minimum loan amount for each lender and make sure whatever option you’re considering provides the correct amount you need to finance your hair transplant. Over-borrowing can lead to financial strain down the road, so avoid taking out more than you actually need.
  • Repayments. Make sure you’re able to make the required repayments on time and check to see if your lender provides any type of payment flexibility.
  • Secured vs. unsecured. Your lender may require collateral, such as home equity or your car, to secure your loan. Keep in mind that if you ever fail to make repayments and default on your loan, your lender has the right to seize the collateral you’ve provided as security. Unsecured loans do not require collateral, however they often come with higher interest rates since they’re riskier.

What to watch out for

  • Falling into a cycle of debt. Some lenders will offer you higher borrowing amounts than you actually need. Only borrow the amount you need since you’ll be paying interest on it.
  • Failing to make your repayments. If you don’t make your repayments, you could default on the loan and have your collateral seized if you have a secured loan. Not only could you lose your home or vehicle, you will also damage your credit history and your ability to receive financing in the future.
  • Applying for too many loans. When you really need financing, you may start applying to a number of different lenders within a short period of time, not knowing that lenders can see the number of times you have applied for a loan via your credit report. Too many hard pulls on your credit score can raise red flags with lenders.

Four tips to get the most out of a hair transplant

  1. Avoid quotes that seem too good to be true. Sometimes doctors don’t include all of the costs that come with a hair transplant. If your doctor gives you a price per graft, ask for the full cost.
  2. Don’t wash your hair right away. Usually doctors recommend that you give your head of hair a rest for at least 48 hours — and only give it a gentle wash with shampoo and lukewarm water for at least two weeks after. Follow your physician’s directions.
  3. Stay away from the gym. Increasing your heart rate can affect the healing process. Try to stay from physical activity for at least the first week after you get your hair transplant — or longer if your doctor advises it.
  4. Take your medication. Often doctors prescribe medication to help with the healing process and reduce irritation and scarring. Try to avoid touching your head as much as possible.
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