Can I get financing for breast implants with bad credit?

While having good credit (670+) provides the best chance for approval and lower interest rates, some lenders specialize in working with borrowers with fair or poor credit (scores below 600). Be prepared for a higher APR if you have a lower credit score. Checking your rate through our platform allows you to see what you might qualify for without a hard inquiry on your credit report.

How quickly can I get funded for my breast augmentation surgery?

The process is designed to be fast. The initial application to see your rates takes only a few minutes. If you choose an offer and proceed with a full application, final approval can happen the same day. Once approved, funds are often deposited into your bank account within 1-3 business days, allowing you to schedule your procedure without delay.

What's the difference between financing and using CareCredit for breast augmentation?

A personal loan provides a lump sum of cash that you can use for any and all costs associated with your surgery, paid back with a fixed interest rate. CareCredit is a medical credit card that often offers a 0% introductory APR for a set period. The main risk with CareCredit is deferred interest: if you don't pay the entire balance by the end of the promotional period, you're charged interest retroactively on the full original amount, often at a very high rate (26%+).

Can I include the cost of a breast lift with my augmentation financing?

Absolutely. A personal loan is highly flexible. Many patients combine procedures, such as a breast lift (mastopexy) with their augmentation. You can apply for a loan amount that covers the total cost of all planned procedures, as well as associated facility and anesthesia fees. Just be sure to get a comprehensive quote from your surgeon first.

Do I have to tell the lender the loan is for a 'boob job'?

When you apply, you'll typically select a loan purpose, such as 'medical expense' or 'cosmetic surgery.' You do not need to provide specific details about the exact procedure. The process is confidential and the funds can be used for any medical purpose you see fit once they are deposited into your account.

Are there prepayment penalties if I pay my loan off early?

Most personal loans from modern online lenders do not have prepayment penalties. This means you can pay off your loan ahead of schedule to save on interest without incurring any extra fees. However, it's always critical to read the loan agreement carefully to confirm the lender's policy before signing.

Financing for Breast Implants & Augmentation

Get the look you want with a straightforward personal loan to cover the full cost of your breast augmentation surgery.

Check your rate

Deciding to move forward with breast augmentation is a significant personal choice. The next step—figuring out how to pay for it—can feel just as daunting. Because cosmetic procedures like breast implants are elective, they are almost never covered by health insurance, leaving you to cover the full cost out-of-pocket. This is where financing for breast implants becomes a crucial part of the process.

The Challenge of Paying for Cosmetic Surgery

The high upfront cost, often thousands of dollars, is a major barrier.
A personal loan provides the full amount in a single lump sum, so you can pay your surgeon and facility in full before your procedure.
My health insurance considers this an elective, non-covered procedure.
Our lending partners specialize in unsecured personal loans that can be used for any purpose, including cosmetic breast surgery.
My surgeon's in-house payment plan has high interest or inflexible terms.
Comparing offers from multiple lenders lets you find a competitive rate and a repayment term that fits your personal budget.
I don't want to use a high-APR credit card or a risky medical credit line.
Personal loans typically offer fixed interest rates that are lower than standard credit card rates, providing predictable monthly payments.

Using a Personal Loan for Your Breast Augmentation

A breast augmentation loan is simply an unsecured personal loan used to finance your cosmetic procedure. Unlike a credit card, it provides a fixed amount of cash upfront with a set repayment schedule and a fixed interest rate. This predictability is a major advantage when managing a significant expense. You’ll know exactly what your monthly payment is and exactly when your loan will be paid off.

This type of financing is incredibly flexible. The funds can cover not just the surgeon’s fee and the cost of the breast implants (whether saline, silicone, or gummy bear implants), but also all associated expenses. This includes anesthesia fees, operating room or facility costs, pre-operative tests, post-operative garments, and any necessary medications. By bundling all costs into one loan, you simplify your finances and can focus on your recovery.

Example scenario

Getting one simple loan made the whole process so much less stressful. I could pay my surgeon's office in full and didn't have to worry about surprise bills. I knew my exact monthly payment from day one.

Jessica M.·Breast Augmentation Patient, Austin, TX

Your Financing Process in 3 Steps

1
Complete a short form
Tell us about your financing needs and provide some basic information. This takes about two minutes and won't affect your credit score.
2
Compare loan offers
If you qualify, you'll see personalized rate offers from our network of lending partners. Compare APRs, terms, and monthly payments.
3
Receive your funds
Once you select an offer and are approved, funds are typically deposited directly into your bank account, often as soon as the next business day.

Rates from 7.99%
Competitive APRs
$5k - $20k
Loan Amounts
2 Mins
Check Your Rate

Rates and terms vary based on creditworthiness and lender.

Understanding the Full Cost of Breast Augmentation

The total price for a 'boob job' can vary significantly based on your surgeon's experience, geographic location, and the type of implants you choose. A personal loan can help you manage these costs by breaking them down into affordable monthly payments. It’s important to get a detailed quote from your plastic surgeon's office to understand the complete financial picture before you apply for financing.

Example Cost Breakdown for Breast Augmentation

Surgeon's Fee Varies by experience/location	$4,000 - $7,000
Implant Cost (Silicone/Gummy Bear) Typically higher than saline	$1,000 - $3,000
Anesthesia Fee Based on procedure time	$800 - $2,000
Surgical Facility Fee Cost of the operating room	$1,200 - $2,500

Estimated monthly

$217/mo

Based on a $10,000 loan with a 5-year term at 11% APR.

See What Your Monthly Payment Could Be

Get a personalized rate estimate in minutes without impacting your credit score.

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Breast Augmentation Loan Terms & Rates

The financing options available to you will depend on several factors, primarily your credit history, income, and existing debt levels. Lenders evaluate these to determine the interest rate (APR) and repayment term they can offer. A stronger credit profile generally leads to lower interest rates, which means a lower total cost for your boob job payment plan.

Loan amount: $5,000 – $20,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Loan terms and APRs are examples only and are not guaranteed. Your actual rate depends on your credit score, income, loan amount, term, and other factors.

Comparing Financing Options for a Boob Job

A personal loan is just one way to finance breast augmentation. Many patients also consider medical credit cards like CareCredit or in-house payment plans offered by their surgeon. Understanding the differences is key to making the smartest financial decision for your situation.

Personal Loan vs. Other Financing

	Personal Loan	Medical Credit Card (e.g., CareCredit)	Surgeon's Payment Plan
Interest Rate	Fixed APR (e.g., 8-35.99%)	Often 0% intro APR, then high (26%+) deferred interest if not paid in full	Varies; can be high
Funds	Lump sum cash to you	Credit line for medical use only	Direct payments to surgeon
Flexibility	Covers all related costs (fees, recovery, etc.)	Only for participating providers and specific charges	Covers surgeon's fee only
Best For	Predictable payments and covering the total cost	Smaller procedures paid off within the 0% intro period	Patients without access to other financing options

What Do Lenders Look For?

Common Loan Qualification Criteria

Credit Score: Most lenders prefer a score of 600 or higher. A score above 670 will typically unlock more competitive interest rates.
Verifiable Income: You'll need to show a steady source of income through pay stubs, bank statements, or tax returns to prove you can afford the payments.
Debt-to-Income (DTI) Ratio: Lenders look at your total monthly debt payments divided by your gross monthly income. A DTI below 40% is generally preferred.
Credit History: A history of on-time payments and responsible credit use demonstrates to lenders that you are a low-risk borrower.

If your credit profile is on the borderline, consider paying down existing credit card balances to lower your DTI or checking your credit report for errors before applying.

Find Out if You Qualify in Minutes

See your personalized loan options from our network of lenders. It's free and won't hurt your credit.

See My Options

Frequently Asked Questions

Common Questions About Breast Augmentation Loans

Can I get financing for breast implants with bad credit?
While having good credit (670+) provides the best chance for approval and lower interest rates, some lenders specialize in working with borrowers with fair or poor credit (scores below 600). Be prepared for a higher APR if you have a lower credit score. Checking your rate through our platform allows you to see what you might qualify for without a hard inquiry on your credit report.
How quickly can I get funded for my breast augmentation surgery?
The process is designed to be fast. The initial application to see your rates takes only a few minutes. If you choose an offer and proceed with a full application, final approval can happen the same day. Once approved, funds are often deposited into your bank account within 1-3 business days, allowing you to schedule your procedure without delay.
What's the difference between financing and using CareCredit for breast augmentation?
A personal loan provides a lump sum of cash that you can use for any and all costs associated with your surgery, paid back with a fixed interest rate. CareCredit is a medical credit card that often offers a 0% introductory APR for a set period. The main risk with CareCredit is deferred interest: if you don't pay the entire balance by the end of the promotional period, you're charged interest retroactively on the full original amount, often at a very high rate (26%+).
Can I include the cost of a breast lift with my augmentation financing?
Absolutely. A personal loan is highly flexible. Many patients combine procedures, such as a breast lift (mastopexy) with their augmentation. You can apply for a loan amount that covers the total cost of all planned procedures, as well as associated facility and anesthesia fees. Just be sure to get a comprehensive quote from your surgeon first.
Do I have to tell the lender the loan is for a 'boob job'?
When you apply, you'll typically select a loan purpose, such as 'medical expense' or 'cosmetic surgery.' You do not need to provide specific details about the exact procedure. The process is confidential and the funds can be used for any medical purpose you see fit once they are deposited into your account.
Are there prepayment penalties if I pay my loan off early?
Most personal loans from modern online lenders do not have prepayment penalties. This means you can pay off your loan ahead of schedule to save on interest without incurring any extra fees. However, it's always critical to read the loan agreement carefully to confirm the lender's policy before signing.

Ready to take the next step?

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.