Cosmetic surgery loans

Find out how a loan can help you finance your surgery, and how to apply for cosmetic surgery finance.

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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.

Name Product Total Payable Monthly Repayment Representative APR Link
Zopa Personal Loan
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Representative example: Borrow £10,000.00 over 5 years at a rate of 8.8% p.a. (fixed) with an application fee of £240.00. Representative APR 9.9% and total payable £12,602.87 in monthly repayments of £210.05.
Hitachi Personal Finance Hitachi Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.2% p.a. (fixed). Representative APR 3.2% and total payable £10,493.64 in monthly repayments of £291.49.
Lending Works Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 7.1% p.a. (fixed) with an application fee of £0.00. Representative APR 10.7% and total payable £11,651.40 in monthly repayments of £323.65.
Barclays Bank Existing Current Account Customer Barclayloan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 5.5% p.a. (fixed). Representative APR 5.5% and total payable £10,848.60 in monthly repayments of £301.35.
Lloyds Bank Existing Customer Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.9% p.a. (fixed). Representative APR 3.9% and total payable £10,601.64 in monthly repayments of £294.49.
My Community Bank Personal Loan
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View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 17.1% p.a. (fixed). Representative APR 17.1% and total payable £12,636.72 in monthly repayments of £351.02.
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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.

What is a cosmetic surgery loan?

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.

Cosmetic surgery loan jargon buster

  • APR. The Annual Percentage Rate (APR) includes the interest rate and fees to give an indicator of the annual cost of a loan. However, lenders only have to give the advertised APR to 51% of borrowers, and you may end up receiving a higher or lower rate.
  • Interest rate. This is the percentage amount that is charged as interest on a loan, and can be either fixed or variable. A fixed rate stays the same over time, while a variable rate can go up or down over time.
  • Unsecured loan. An unsecured loan does not require you to use an asset such as a property or vehicle as security against the loan.

Can you get cosmetic surgery on finance?

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.

What are my cosmetic surgery loan options?

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. 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.

Can I get a cosmetic surgery loan with bad credit?

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.

Can I get a cosmetic surgery loan with no credit check?

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.

Image of a man with laptop and caption: the average apr of a £5,000 loan is around 8%.

How to compare the best cosmetic surgery loans

  1. Calculate how much you need to borrow. Before you undergo the procedure, you should talk to your surgeon or specialist and ask for a quote. This will give you a rough idea of how much you’ll need to borrow.
  2. Check which lenders offer loans. Use our table to find out which lenders will let you borrow the amount you need.
  3. Compare loans and lenders. Check the rates and terms that certain lenders are offering, as well as their eligibility criteria, to see which loan will best suit your situation.
  4. Check the application process. Make sure you have all the required documents and other information you’ll need to apply.
  5. Apply for the loan.

Cosmetic surgery loan cost comparison

Loan amount: £8,000

  • Loan term: 4 years
  • Interest rate: 8%
  • Monthly repayment: £194
  • Total interest: £1,324

Loan amount: £8,000

  • Loan term: 4 years
  • Interest rate: 16%
  • Monthly repayment: £222
  • Total interest: £2,674

How to apply for a cosmetic surgery loan

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:

  • You are over the age of 18
  • You’re currently a UK resident

To improve your chances of approval, you’ll also want to meet the following criteria:

  • 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

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.

Personal loans glossary

  • APR. The Annual Percentage Rate (APR) is designed to be a benchmark for consumers, providing an annual summary of the cost of a loan. As well as the interest, the APR also takes into account any compulsory charges – like an “admin” or “set-up” fee (if there is one). However, crucially, lenders only have to award the advertised APR to 51% of those who take out the loan – the other 49% could be offered a different (higher) rate, at the lender’s discretion. That’s why it’s often referred to as the representative APR.
  • Capital. Also referred to as the “principal” or “loan amount”, this is the original amount borrowed.
  • Default. Defaulting on a loan means failing to make a pre-agreed repayment at the specified time. This will typically result in the borrower being charged a penalty plus damage to the borrower’s credit record.
  • Draw down. Drawing down simply refers to the transfer of funds to the borrower at the start of a loan.
  • Eligibility criteria. A list of conditions that a borrower must meet in order to be considered for a loan. These vary from lender to lender.
  • Fixed rate. A fixed rate will not change for an agreed amount of time, even if market conditions mean that bank interest rates generally are increasing or decreasing. A fixed rate can be a popular option for some borrowers, and it allows them to budget with more certainty – knowing in advance the exact cost of a loan and the exact figure for each instalment.
  • Guarantor. An individual who promises to repay a loan in the event that the borrower does not. Typically a friend or relative of the borrower.
  • Instalment. A repayment towards an outstanding loan. This will normally consist partly of interest accrued so far, and partly of a proportion of the original sum borrowed.
  • Interest rate. The interest rate is a charge for borrowing, and is a percentage of the amount of credit.
  • Loan term. The amount of time over which a loan is to be repaid.
  • Principal. Also referred to as the “capital” or “loan amount”, this is the original amount borrowed.
  • Repayment holiday. An agreed period (normally either one or two months) where the borrower will not make repayments. The debt continues to accrue interest during this period, so taking a repayment holiday will generally increase the total cost of borrowing (and the loan term). Repayment holidays are typically offered to borrowers at the start of a loan, or at a specified frequency – for example one per year.
  • Soft search. Before offering you a loan, a lender will run a “hard” search of your credit file, to see if you have a good track record with debt. This will be recorded on your credit file, and has a slight (but usually temporary) adverse effect on your credit score. That’s why it’s not a smart idea to apply for lots of loans in a short space of time. The good news is that most lenders can now run a quick “soft” search before you apply – giving you a strong indication of your chances of getting approved, without affecting your credit score.
  • Unsecured. An unsecured loan does not use an asset, such as a property or vehicle, as collateral for the loan.
  • Variable rate. A variable rate is the opposite of a fixed rate, and can increase or decrease over time at the lender’s discretion. Typically, variations occur as market conditions generally shift – for example in increase or decrease in the Bank of England base rate.

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2 Responses

    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!

      Cheers,
      Joshua

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