Cosmetic Surgery Loans

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

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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 cosmetic procedure, but don’t have the funds available, you may want to consider a cosmetic surgery loan.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan


6.99 % p.a.


  • Borrow from $2,000
  • 100% online
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100% confidential application

Harmoney Unsecured Personal Loan

Apply today to get approved within minutes for up to $50,000.

  • Max. loan amount: $50,000
  • Loan term: Up to 60 months
  • Turnaround time: 99% of approved online applications funded in 24 hours
  • Fees: Establishment fee of $200 for loans from $2,000-$5,000 and $450 for loans from $5,000-$50,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Compare a range of personal loans

Updated April 9th, 2020
Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Application Fee
Harmoney Unsecured Personal Loan
6.99% - 29.99%
Up to 60 months
$200-$450 depending on loan size
Apply for an unsecured personal loan up to $50,000 with no early repayment fees. Eligibility: Be a NZ resident/citizen and have a good credit score.
Stadium Finance Personal Loan
9.95% - 19.95%
Up to 60 months
Varies with lender
Stadium Finance negotiates loan terms with a network of lenders. Borrow between $3,000 to $100,000 and funds paid within one day of approval. Eligibility: Must be 18+. Other requirements depend specific lender.
Pronto Secured Personal Loan
11.97% - 29.97%
Up to 60 months
Secured personal loans of up to $20,000 with approvals in under 10 minutes. Eligibility: Be an 18+ and a resident of New Zealand.
Nectar Personal Loan
8.95% - 29.95%
Up to 4 years
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online. Eligibility: Must be 18+, an NZ citizen or permanent resident, and have an income of $350 per week or more (after tax).
Lending Crowd Personal Loan
3 or 5 years
$250-$1,450 depending on the amount borrowed
A secured personal loan from $2,000 to $200,000 with repayment instalment options. Eligibility: Be an 18+ NZ permanent resident, earn $30,000 or more, have a good credit history and collateral/security.
QuickLoans Personal Loan
9.95% - 23.95%
Up to 36 months
$95-$595 depending on loan size
Borrow up to $20,000 and apply online within 5 minutes. Eligibility: Be over 18, hold permanent NZ residency, have collateral/security, earn at least $450 per week.
NZCU South Personal Loan (Unsecured)
10.90% – 28.90%
Up to 7 years
An unsecured personal loan up to $60,000 with personalised repayment options. Eligibility: Be an 18+ permanent NZ resident or non-resident on a working visa, earn $500+ weekly.
NZCU South Personal Loan (Secured)
8.90% - 27.90%
Up to 7 years
A secured personal loan up to $60,000 with personalised repayment options. Eligibility: Be an 18+ permanent NZ resident or non-resident on a working visa, earn $500+ weekly.
Admiral Finance Secured Personal Loan
13.95% - 23.95%
Up to 60 months
$125-$595 depending on loan size
A secured loan from $1,000 to $50,000 with a quick online application process. Eligibility: Be an 18+ permanent NZ resident, have collateral/security, earn at least $450 per week.

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Plastic surgery holidays: What you need to know

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.

What options do you have to finance cosmetic surgery?

  • Personal loan

Personal loans allow you to borrow money either using an asset as security or with an unsecured loan, and you can choose a variable or fixed rate option. Depending on the loan you choose, you may be able to borrow between $1,000 and $70,000, for a term of between one and five years for a fixed rate loan or one and seven years for a variable rate loan.

  • Credit card

Depending on your credit limit, you may be able to finance part of your procedure or even the entire thing. If you plan to use an existing card, confirm the interest rate you are charged and whether you can manage the minimum repayments. If you decide to get a new card you may want to opt for one with 0% p.a. on purchases, so you can save you money on interest, with some cards offering this for 6 months.

  • Medical loan

Some lenders specialise in providing finance options for people looking to get medical treatment and procedures. The benefit in dealing with these lenders is they are familiar with the type of procedures you are looking to finance and the costs involved. They offer loans for amounts up to $70,000, but be wary of the interest rates charged, as they tend to be considerably higher than other finance options.

How you can 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 will can borrow the full amount of money you want. Some lenders have set minimum and maximum amounts, while the amount you are approved for is also dependent on your credit history.
  • Fixed or variable. Fixed rate loans have a set rate for the life of the loan, allowing you to plan your repayments. Variable rate loans may have a fluctuating rate, but you may be able to take advantage of good market conditions that afford a lower rate. Variable rate loans tend to offer longer loan terms as well.
  • 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.

Options for those with bad credit

Sadly, bad credit is a reality for some Kiwis, but that shouldn’t stop you from getting the surgery or procedure you require. Did you know there are options for credit-impaired borrowers, so you can still get your implants or veneers in New Zealand or head to Thailand? Before you compare your options, ask yourself the following:

  • Are you sure you want the procedure? Cosmetic surgery involves a serious medical procedure that may be irreversible. Before you apply for finance make sure you have done your research and completely made up your mind.
  • Have you researched the risks? There are risks associated with different surgeries. Research these risks before you consider your finance options, to ensure you understand what the procedure involves.
  • How much will the surgery cost? This should include the surgery, plus any time you need to take off work or to pay for travel. Calculate your repayments and make sure you can afford a loan for this amount.

Once you’ve asked yourself these questions and are still sure you want a bad credit cosmetic surgery loan, compare your options. Start with those in the table below.

What to consider with a cosmetic surgery loan

  • Fees. Before you sign up for a loan, check all applicable fees you might incur. You should look at the fees you will be charged to set up the loan; ongoing administration fees; plus fees you may be charged for closing the loan early or making additional repayments.
  • Interest rate. The interest rate may be fixed or variable. Although the rate contributes significantly to the cost of the loan, you need to consider this alongside other costs, such as fees, to get an idea of the real cost of the loan.
  • 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.

What you may pay for cosmetic surgery

How to apply for a loan for a cosmetic procedure

To apply for a personal loan or credit card to finance a cosmetic procedure, compare your options on 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

Read more on this topic

  • ANZ Personal Loans With the ability to borrow up to $40,000 for a loan term of up to 7 years, ANZ personal loans are worth considering for debt consolidation, vehicle finance or a dream holiday.
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  • Kiwibank Personal Loans When you take out a Kiwibank personal loan, all profits stay in New Zealand. Find out more about interest rates, loan terms and features.
  • Nectar Personal Loans Find out how you can get instant approval and funds in your account the same day with an unsecured Nectar personal loan.
  • Stadium Finance Personal Loans Stadium Finance personal loans have interest rates starting at 9.95% and approval within 24 hours. Find out how you can apply.
  • Pronto Finance Personal Loan Review If you're approved for a loan, you could be paid in as little as nine minutes.
  • Loans for people on a pension Receiving a pension shouldn't stop you from getting a loan. Find out what loan options you have whether you're using Kiwisaver or getting NZ Super.
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  • Personal loan fees explained We break down exactly what a lender could charge you for, how much you could expect to pay and which fees you can avoid altogether.
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