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 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.
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease 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.
According to the British Association of Aesthetic Plastic Surgeons, cosmetic procedures were up by 102% in 2022 compared to the year before. If you’re looking to get work done but worried about how to foot the bill, read ahead to learn how loans could help you finance your surgery.
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.
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.
Abound (formerly Fintern) is a UK lender that promises to offer borrowing “reinvented”, with affordable tailored loans.
Considering an M&S Bank personal loan? Use our calculator to work out how much you’ll pay back and how M&S holds up against the competition.
Novuna (formerly Hitachi) Personal Finance is not a bank – it’s a simplified, online finance provider from Japan that makes instant decisions on personal loans. Check out whether Novuna could be the yin to your financial yang.
Planning a large expenditure like some home improvements, a wedding or a new car? Looking to simplify existing debt? Then an unsecured personal loan could help you. Here are some popular UK lenders that we review and compare.
Compare Post Office fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Compare Tesco fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Find out more about M&S unsecured personal loans of between £1,000.00 to £25,000.00 Enjoy a fixed rate, no setup fees and the option to defer repayments for the first three months.
Find out all you need to about personal loans from the AA. Fast, simple comparison with a range of UK lenders.
Compare Halifax fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Compare NatWest fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.