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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Compare cosmetic surgery finance

Name Product Total Payable Monthly Repayment Representative APR Link
Hitachi Personal Finance Hitachi 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.
NatWest Existing Customer Personal Loan (specific eligibility criteria apply)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
Post Office Money® Personal Loan
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Representative example: Borrow £15,001.00 over 3 years at a rate of 3.1% p.a. (fixed). Representative APR 3.1% and total payable £15,718.32 in monthly repayments of £436.62.
Royal Bank of Scotland Existing Customer Personal Loan (specific eligibility criteria apply)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
AA Member Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.0% p.a. (fixed). Representative APR 3.0% and total payable £10,462.68 in monthly repayments of £290.63.
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.
Lending Works Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed) with an application fee of £0.00. Representative APR 10.0% and total payable £11,543.40 in monthly repayments of £320.65.
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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.

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.

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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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!

      Cheers,
      Joshua

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