Loans for cosmetic surgery

Worried about how you’ll afford cosmetic surgery? Read our guide to find out how a loan can help you finance your surgery.

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If you’ve considered all the risks, and decided you definitely want to go ahead with cosmetic surgery, no doubt you’ll also be aware that it isn’t cheap.

The upfront costs of cosmetic surgery are beyond the reach of many people. One option is to finance your surgery with a personal loan, and spread the cost of repayments over a fixed amount of time.

Here’s our guide to help you find the best loan for your cosmetic surgery.

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How can I finance my cosmetic surgery?

There are several options available to help you to finance your surgery:

  • Personal loan. A personal loan is when you borrow a certain amount of money from a specialist lender, and you pay this back over an agreed period of time by monthly instalments. You will receive the money for your cosmetic surgery upfront, and then spread the cost of your surgery over several payments.
  • Credit card/ credit builder credit card. With a credit card, you can fund your surgery and pay it off over an extended period of time, with a certain amount needing to be paid every month, just like a loan. You may want to consider a 0% purchase card to give you an interest-free period. However, if you have a bad credit rating or no credit history, you may struggle to be approved for loans or credit cards. In this instance, you might want to look into getting a credit builder credit card, which is specifically designed for people with a bad credit history (or none at all). Whilst the terms are less favourable, you will have the same perks as you’d get with a credit card.
  • Finance schemes. Some clinics offer finance schemes to help you when paying for your cosmetic surgery. Some also offer a 0% interest period.

Key features of personal loans at a quick glance

  • Loan terms. The terms can include the loan duration as well as interest rates and repayment plans.
  • Loan amounts. The amount of money that you are allowed to borrow.
  • Get a personalised quote. This will give you an indication about the terms in which a provider will lend you money. But don’t worry, it won’t have an impact on your credit rating.
  • Price matching. Some providers offer a price guarantee to match or beat offers from other providers. This feature is worth looking out for when comparing loan providers.
  • Monthly repayments. You will be able to repay your loan in monthly instalments.
  • Repayment holidays. This is an agreed period with your lender, perhaps either one or two months, where you will not have to make repayments. However, interest will still build up.
  • Quick decisions. Providers will usually make a fast decision about whether they will lend you money or not.
  • Access to funds. You are able to get access to all the funds upfront.
  • Fees. You may incur extra costs, such as interest or late payment fees. Make sure you check which fees apply before you apply for a loan.
  • Perks. With some loans, there may be special benefits such as a 0% interest period.
  • Overpayments. If you wish to pay off your loan sooner than agreed, making overpayments is the way to do it. Most overpayments will not incur a penalty so long as you remain within the overpayment limit. It is important to check the fine print of your loan before you make an overpayment.
  • Early repayment. For many loans, you will incur a penalty and additional costs if you repay your loan in full earlier than expected.

How should I compare different loans for cosmetic surgery?

To compare loans, you should identify the important differences between the loans you are looking at. We have listed a selection of features for you to consider:

  • Loan amount. The amount that you will be able to borrow will differ between lenders, so have a value in mind when choosing your loan.
  • Interest rate. There are some loans available that are interest-free, whilst other loans aren’t. Some loans will also charge a higher interest rate than others.
  • Fees. You may be required to pay upfront or ongoing costs that will add to the cost of your loan.
  • Eligibility criteria. Whilst you may be eligible for some loans, you may not meet the requirements for others.
  • APR. The Annual Percentage Rate is designed to provide consumers with an annual summary cost for the loan, including any setup fees and interest, so different loans will have different APRs. It is important to remember that they are only representative, and your costs may be more expensive.
  • Loan terms. The length of the loan period may differ between providers, as well as the terms and conditions of taking out the loan.
  • Overall cost. As well as the loan amount, you should also take into consideration any start up costs and any interest.
  • Early repayment. Although you may be financially able to pay off your loan early, some lenders charge extra costs if you repay your loan too early.

Am I eligible for a personal loan?

You should only apply for a personal loan if you are sure that you can meet the repayment terms, otherwise you will face additional costs and it may impact your credit rating.

To apply for a personal loan, you will need to meet the following criteria:

  • You are over the age of 18
  • You will be no older than 70 when the loan term finishes
  • You have been a UK resident for over 3 years
  • You have a regular income above £12,000
  • If you are self-employed, you have been so for over 2 years
  • You must have a good credit rating, with no history of bankruptcy or County Court Judgement
  • You hold a UK bank or building society account that is able to pay direct debits

How can I apply for a loan?

If you have decided on a loan that is right for you, you can fill in the application form for the loan via the provider’s website. You will need proof of the following:

  • Your ID
  • Your address details for the past 3 years
  • Your current income and employment details in the form of payslips and bank statements

The bottom line

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.

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2 Responses

  1. Default Gravatar
    ConstanceJanuary 21, 2019

    I want to apply for a loan.

    • Avatarfinder Customer Care
      JoshuaJanuary 22, 2019Staff

      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!


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