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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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:
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.
How to get a loan for cosmetic surgery
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.
Frequently asked questions
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