Can I get a payment plan for a specific procedure like a tummy tuck or BBL?

Absolutely. Personal loans are highly flexible and can be used for any type of cosmetic or plastic surgery. Whether you're looking for a tummy tuck payment plan, financing for a BBL, or a boob job payment plan, the process is the same. You apply for a specific amount based on your surgeon's quote, and if approved, you can use the funds to pay for that procedure. Lenders are concerned with your ability to repay the loan, not the specific surgery you choose.

How do monthly payments for surgery actually work with a loan?

It's a simple process. Once you are approved for a personal loan, the lender deposits the full loan amount directly into your bank account. You then pay your surgeon's office in full, just as a cash-paying patient would. Your financial arrangement is then entirely with the lender. Starting about 30 days later, you will begin making fixed monthly payments to the lender for the agreed-upon term (e.g., 60 months). This payment includes both principal and interest and will not change over the life of the loan.

Are cosmetic surgery payment plans available for bad credit?

Yes, options may be available. While applicants with higher credit scores will qualify for the best rates, we partner with lenders who work with individuals across the credit spectrum. If you have bad credit, lenders will place more weight on other factors like your income stability and your debt-to-income ratio. You may be offered a higher interest rate or a smaller loan amount. Applying is the only way to know for sure what you may qualify for, and checking your rate through our platform does not affect your credit score.

What's the difference between a loan and in-house plastic surgery financing?

The main difference is choice and structure. In-house financing is a plan offered directly by the surgeon's clinic, often through a single partner company. You get one offer, take it or leave it. A personal loan marketplace allows you to compare offers from multiple lenders to find the best rate. Additionally, personal loans are typically straightforward installment loans with a fixed APR. Some in-house plans are medical credit cards with deferred interest, where if you don't pay it off during a promotional period, you could be charged a very high interest rate retroactively.

Can I finance multiple procedures at once with one payment plan?

Yes. This is a major benefit of using a personal loan. You can get a comprehensive quote from your surgeon for all the procedures you plan to have (e.g., a "mommy makeover") and apply for a single loan to cover the total cost. This consolidates everything into one simple monthly payment, which is much easier to manage than juggling multiple payment plans or financing agreements.

How quickly can I get approved and funded for a surgery loan?

The online process is very fast. You can fill out the initial form to check your rate in just a few minutes. If pre-qualified offers are available, you'll see them almost instantly. After selecting an offer and completing the full application with a specific lender, a final decision can often be made the same day. Once you are fully approved and have signed the loan agreement, funds are typically deposited into your account within 1-2 business days.

Cosmetic Surgery Payment Plans

Finance your desired procedure with a straightforward personal loan, offering predictable monthly payments that fit your budget.

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The procedure is possible. The upfront cost isn't.

Your health insurance considers your procedure 'elective' and won't cover a penny.
We connect you with lenders who specialize in financing for procedures that insurance doesn't cover.
The surgeon's quote is a single, large number that feels out of reach.
A personal loan breaks that total cost into manageable, predictable monthly payments over several years.
In-house clinic financing has confusing terms or surprisingly high interest rates.
Our marketplace lets you compare transparent loan offers from multiple lenders to find a competitive rate.
You're worried a less-than-perfect credit score will be an immediate disqualifier.
We work with a network of lenders who consider various credit profiles, not just perfect scores.

How a Personal Loan Creates a Simple Surgery Payment Plan

When you're ready to move forward with a cosmetic procedure, the last thing you want is a complicated or restrictive payment process. A personal loan offers one of the most straightforward and flexible payment options available. Unlike payment plans offered directly by a surgeon's office, which can sometimes come with high promotional interest rates, a personal loan provides a clear, structured path. You receive a single lump-sum of cash that you can use to pay your surgeon in full, upfront. This simplifies your relationship with the clinic; from their perspective, you're a cash patient.

From there, your financial obligation is with the lender, not the clinic. You'll make regular, fixed monthly payments over a set period, typically two to seven years. This structure is often referred to as a monthly installment loan because the payment amount never changes, making it easy to budget for. There are no surprises. You'll know the exact monthly payment, the interest rate (APR), and the total cost of the loan before you commit. This predictability is crucial when managing your finances around a significant life event like surgery.

Get Your Financing in 3 Steps

1
Fill out one simple form
Our secure online form takes about two minutes to complete and won't impact your credit score.
2
Compare your loan offers
If you pre-qualify, you'll see real rates, terms, and monthly payment estimates from our network of lenders.
3
Receive your funds
Once you select an offer and are approved, funds are typically deposited directly into your bank account in as little as one business day.

See What Your Plan Could Look Like

Check your rate in 2 minutes. There's no obligation and no impact on your credit score.

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Estimating Your Monthly Surgery Payments

Understanding the potential cost is the first step toward creating a manageable payment plan. Cosmetic surgery costs vary widely based on the surgeon, geographic location, and the specifics of the procedure. A personal loan can cover the full cost of the surgery, as well as related expenses like anesthesia and facility fees. The key is to borrow what you need and find a monthly payment that fits comfortably within your budget. Below are some common procedure costs and what a monthly payment plan might look like.

Example Procedure Costs & Loan Payments

Breast Augmentation National Average Cost	$6,000 - $12,000
Tummy Tuck (Abdominoplasty) National Average Cost	$8,000 - $15,000
BBL (Brazilian Butt Lift) National Average Cost	$5,000 - $10,000
Rhinoplasty (Nose Job) National Average Cost	$7,000 - $14,000

Estimated monthly

$217/mo

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

Example scenario

Getting the loan was easier than choosing a surgeon. I paid the clinic in one go and just have a simple, predictable payment each month. It took all the financial stress out of the process.

Jessica M.·Financed a Tummy Tuck

Typical Loan Terms for Cosmetic Procedures

Personal loans for cosmetic surgery offer a range of amounts, terms, and rates to fit different needs and budgets. The goal is to provide flexible payment options that make your desired procedure accessible. While specific offers depend on your individual financial profile, here are the typical parameters you can expect to see from lenders in our network.

Loan amount: $3,000 – $30,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual APR will depend on factors like your credit score, requested loan amount, loan term, and credit usage and history. The rate you are offered may differ from the rates shown.

Personal Loan vs. Other Payment Options

	Personal Loan	Medical Credit Card	In-House Financing
Interest Rates	Fixed APR (e.g., 8-35.99%)	Often 0% intro, then high (25%+)	Varies, can be high
Repayment Term	Fixed (2-7 years)	Revolving, minimum payments	Fixed, often shorter terms
Funding	Lump sum cash to you	Card for medical use only	Direct payment to clinic
Best For	Predictable monthly budget	Smaller costs you can pay off quickly	Convenience, if terms are good

Choosing the right financing option is just as important as choosing the right surgeon. A personal loan provides a clear advantage with its fixed monthly payments and predictable repayment schedule. Unlike medical credit cards, you don't have to worry about a promotional period ending and the interest rate suddenly jumping. And compared to some in-house plastic surgery financing, you have the power to shop around for the best rate from multiple lenders, ensuring you get a competitive offer rather than being locked into a single option.

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What Lenders Look for to Approve Your Payment Plan

Lenders assess several factors to determine your eligibility for a personal loan and the rates they can offer. Understanding these criteria can help you prepare your application and set realistic expectations. While each lender has its own specific requirements, they generally focus on your ability to repay the loan.

Key Eligibility Criteria

Credit Score: Most lenders look for a score of 600 or higher, but some partners work with applicants with scores in the upper 500s. A higher score generally leads to better rates.
Verifiable Income: You'll need to show a steady source of income through pay stubs, tax returns, or bank statements to prove you can handle the monthly loan payments.
Debt-to-Income (DTI) Ratio: This compares your monthly debt payments to your gross monthly income. Lenders prefer a DTI below 43% to ensure you're not overextended.
Credit History: A history of on-time payments and responsible credit use gives lenders confidence. Major recent delinquencies can be a red flag.

If your credit profile is borderline, consider applying with a co-signer who has a strong credit history. This can significantly improve your chances of approval and help you secure a lower interest rate.

Smart Steps for Financing Your Procedure

Navigating the financing process thoughtfully can save you money and stress. A payment plan is a significant financial commitment, and it's wise to approach it with a clear strategy. Here are a few tips to ensure your financing plan supports your goals without creating unnecessary financial strain.

Get a Final Quote First: Before applying for a loan, get an all-inclusive quote from your surgeon that covers everything—the procedure, anesthesia, facility fees, and any initial follow-up appointments. This ensures you borrow the right amount.
Factor in Recovery Costs: Will you need to take unpaid time off work? Will you have costs for medication or aftercare supplies? Consider adding a small buffer to your loan amount to cover these related expenses so you're not caught short.
Read the Fine Print: Once you receive a loan offer, carefully review the APR, the loan term, the total finance charges, and whether there are any prepayment penalties. A good offer is a transparent one.
Avoid Predatory "No Credit Check" Offers: Be wary of lenders promising "guaranteed approval" or "BBL payment plan no credit check." These often come with extremely high interest rates and unfavorable terms. Working with reputable lenders is the safest path.

Find Out What You Qualify For

The first step is seeing your options. It's fast, free, and secure.

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Frequently Asked Questions

Can I get a payment plan for a specific procedure like a tummy tuck or BBL?
Absolutely. Personal loans are highly flexible and can be used for any type of cosmetic or plastic surgery. Whether you're looking for a tummy tuck payment plan, financing for a BBL, or a boob job payment plan, the process is the same. You apply for a specific amount based on your surgeon's quote, and if approved, you can use the funds to pay for that procedure. Lenders are concerned with your ability to repay the loan, not the specific surgery you choose.
How do monthly payments for surgery actually work with a loan?
It's a simple process. Once you are approved for a personal loan, the lender deposits the full loan amount directly into your bank account. You then pay your surgeon's office in full, just as a cash-paying patient would. Your financial arrangement is then entirely with the lender. Starting about 30 days later, you will begin making fixed monthly payments to the lender for the agreed-upon term (e.g., 60 months). This payment includes both principal and interest and will not change over the life of the loan.
Are cosmetic surgery payment plans available for bad credit?
Yes, options may be available. While applicants with higher credit scores will qualify for the best rates, we partner with lenders who work with individuals across the credit spectrum. If you have bad credit, lenders will place more weight on other factors like your income stability and your debt-to-income ratio. You may be offered a higher interest rate or a smaller loan amount. Applying is the only way to know for sure what you may qualify for, and checking your rate through our platform does not affect your credit score.
What's the difference between a loan and in-house plastic surgery financing?
The main difference is choice and structure. In-house financing is a plan offered directly by the surgeon's clinic, often through a single partner company. You get one offer, take it or leave it. A personal loan marketplace allows you to compare offers from multiple lenders to find the best rate. Additionally, personal loans are typically straightforward installment loans with a fixed APR. Some in-house plans are medical credit cards with deferred interest, where if you don't pay it off during a promotional period, you could be charged a very high interest rate retroactively.
Can I finance multiple procedures at once with one payment plan?
Yes. This is a major benefit of using a personal loan. You can get a comprehensive quote from your surgeon for all the procedures you plan to have (e.g., a "mommy makeover") and apply for a single loan to cover the total cost. This consolidates everything into one simple monthly payment, which is much easier to manage than juggling multiple payment plans or financing agreements.
How quickly can I get approved and funded for a surgery loan?
The online process is very fast. You can fill out the initial form to check your rate in just a few minutes. If pre-qualified offers are available, you'll see them almost instantly. After selecting an offer and completing the full application with a specific lender, a final decision can often be made the same day. Once you are fully approved and have signed the loan agreement, funds are typically deposited into your account within 1-2 business days.

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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.