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Cosmetic surgery loans

If you’re looking to fund a cosmetic procedure, check out the range of finance options at your disposal.

Cosmetic surgery is becoming increasingly common in New Zealand, but that doesn’t mean these procedures are covered by your healthcare provider. If you are looking at having a procedure but don’t have the funds available, you may want to consider a cosmetic surgery loan.

Compare a range of personal loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney Unsecured Personal Loan
6.99% - 19.99%
3 or 5 years
Eligibility: Be a NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $70,000 with no early repayment fees.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 19.99%
6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
5.03% -19.30%
2, 3 or 5 years
$200 - $1,450 depending on the amount borrowed
Eligibility: Be a NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
6 months to 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
8 - 52 weeks
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium-term unsecured loans from $1,000 to $5,000 with no hidden fees.
The Lending People Personal Loan
6.95% - 26.95%
1 to 7 years
$0 - $10 depending on lender
$50 to $695 depending on lender
Eligibility: Be 18+, an NZ citizen or permanent resident, in employment and earning at least $500 per week.
Secured and unsecured loans of up to $75,000 from a variety of reputable lenders.
Gem Secured Personal Loan
6.99% -18.99%
6 months to 7 years
Eligibility: Be 18+, a permanent NZ resident and earning a stable income.
Secured personal loans for those with an excellent credit history. Weekly, fortnightly or monthly repayment schedules and no fees for early repayment.
Max Loans Secured Personal Loan
6.99% - 29.95%
1 - 7 years
$0 to $10 depending on lender
$195 to $1,500 depending on lender
Eligibility: Be 18+, an NZ citizen/permanent resident, and have an income of least $400 per week.

Compare up to 4 providers

    How to compare cosmetic surgery loans

    • Loan terms. You should try and determine a realistic length of time that you need to pay back the loan in full, then check these terms are offered by the lender. The length of the loan may affect the amount of interest you pay over its life and the cost of repayments.
    • Loan amount. Before signing for the loan, you should check you can borrow the full amount you want. Some lenders have set minimum and maximum amounts, while the amount you are approved for is also dependent on your credit history.
    • Repayment options. Most personal loans have the option of weekly, fortnightly or monthly repayments that you can align with your budget, but some lenders are more restrictive. See if you can make additional repayments, without incurring fees, as this option can help save money on interest.
    • Interest rate. Interest rates can vary from lender to lender, and are often advertised as a range. The interest rate that you receive depends on factors such as your credit history, current financial situation and the loan amount.
    • Fees. Most lenders charge an establishment fee for new loans, plus there could be ongoing costs to consider such as monthly account fees.
    • Restrictions. Depending on the lender, there may be certain restrictions placed on the loan. For example, you may not be able to make additional repayments or pay back the loan early. Make sure you are familiar with all aspects of the loan before you apply.

    How much does cosmetic surgery cost?

    How to apply for cosmetic surgery loans

    To apply for a personal loan to finance a cosmetic procedure, compare your options in the table above and click through to your chosen lender’s website to fill out an online application form. Eligibility requirements differ between lenders, but generally, you need to be over the age of 18, a permanent New Zealand citizen or resident and have a good credit rating. You also need to provide the following details when you apply:

    • Personal details, including name, age and proof of your identification
    • Financial details, including assets, debt and liabilities
    • Your income and pay frequency, which may require proof, using your payslips or tax returns
    • Your employer’s name and contact information

    Can I take out a loan for cosmetic surgery overseas?

    To save money, some Kiwis opt to go overseas to countries such as Thailand, where cosmetic surgery is more affordable. These are known as ‘plastic surgery holidays’, and though you may save yourself some money, you could expose yourself to serious risk.

    New Zealand’s medical services rank among the best in the world, while conditions in other countries may not be as safe or hygienic. Make sure you consult a professional before booking your surgery abroad, so you know all the risk and complications that may occur.

    Another point to consider is that your travel insurance may not cover you if you are travelling for the purpose of cosmetic surgery. Speak to your insurer before booking to check, otherwise you may be left with expensive bills should anything go wrong on your trip.

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