Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
Updated
A personal loan or finance plan can help you cover the cost of expensive surgeries. Use the table below to find the most competitive loans based on rates, terms and how much you want to borrow.
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
A cosmetic surgery loan is any form of personal loan or finance plan that is used to cover the cost of cosmetic surgery or a related medical procedure.
Yes, it’s possible to get finance to cover the cost of cosmetic or plastic surgery, whether it’s through an unsecured personal loan, other form of finance, or through a payment plan organised with your surgeon. This means you can split the cost of cosmetic surgery over a couple of years via affordable repayments, instead of an upfront lump sum.
There are several options available to help you to finance your surgery:
Yes, you can still get a loan for cosmetic surgery even if you have a poor credit rating. However, your options may be limited, and you may receive a less favourable rate and loan terms, compared to someone with a good credit score.
If you have bad credit, it’s important that you find a loan that you can afford to repay, as otherwise you could damage your credit score further.
You can check your credit score and report with Finder’s free tool without causing any impact to your score.
Unfortunately, most lenders in the UK will perform some form of credit check when you apply for a loan. However, this does not mean you’ll be unable to get a cosmetic surgery loan. If you’re worried about being approved for a loan, you might want to consider either a guarantor loan, or a credit builder credit card, both of which cater towards people with poor or bad credit.
Representative Example: £4,000 over 36 months, representative 48.9% APR fixed. Monthly payment £193.56. The interest is 17% per annum fixed and service fee is 23.48% per annum fixed. Interest payable £1,246.63 and service fee payable £1,721.53. Total repayable £6,968.16.
Before you apply for a cosmetic surgery loan, you’ll want to have an idea of the likely cost of your procedures. It’s important that you only borrow as much as you need to make sure you avoid the cost of unnecessary interest payments, or have to take out another loan in the event you don’t borrow enough.
Once you know how much you’ll need to borrow, you should compare a range of loans to find the one that offers the most competitive rate and repayment terms.
To apply for a personal loan, you will need to meet the following criteria:
To improve your chances of approval, you’ll also want to meet the following criteria:
Cosmetic surgery is expensive, but opting for a personal loan means you don’t have to pay the bulk of funds upfront. Whether you’re applying for a loan or a financial scheme, make sure you are aware of the risks and that you can commit yourself to monthly instalments until the loan amount is paid back.
Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.
This guide provides step-by-step instructions on how to buy Sui, lists some exchanges where you can get it and provides daily price data on (SUI).
This guide provides step-by-step instructions on how to buy Pepe, lists some exchanges where you can get it and provides daily price data on (PEPE).
This guide provides step-by-step instructions on how to buy Arbitrum, lists some exchanges where you can get it and provides daily price data on (ARB).
This guide provides step-by-step instructions on how to buy SSV Network, lists some exchanges where you can get it and provides daily price data on (SSV).
This guide provides step-by-step instructions on how to buy USDD, lists some exchanges where you can get it and provides daily price data on (USDD).
This guide provides step-by-step instructions on how to buy Blur, lists some exchanges where you can get it and provides daily price data on (BLUR).
This guide provides step-by-step instructions on how to buy FLOKI Inu, lists some exchanges where you can get it and provides daily price data on (FLOKI).
This guide provides step-by-step instructions on how to buy Aptos, lists some exchanges where you can get it and provides daily price data on (APT).
This guide provides step-by-step instructions on how to buy EthereumPoW, lists some exchanges where you can get it and provides daily price data on (ETHW).
This guide provides step-by-step instructions on how to buy Coinbase Wrapped Staked ETH, lists some exchanges where you can get it and provides daily price data on (CBETH).
How likely would you be to recommend finder to a friend or colleague?
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
I want to apply for a loan.
Hi Constance,
Thanks for getting in touch with finder. I hope all is well with you. :)
If you want to apply for a loan, please check the table above. Use the table to compare your loan options based on monthly repayment, APR, and total repayable. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.
Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua