Can I get a loan for a Fraxel or CO2 laser treatment with bad credit?

While having a higher credit score (typically 640+) will give you access to better interest rates, some lending partners specialize in working with individuals with fair or developing credit. You may still be able to qualify, but be prepared for a higher APR. It's always worth checking your rate, as the initial inquiry is a soft pull and won't harm your credit score.

How quickly can I get funds for my laser skin resurfacing procedure?

The process is designed to be fast. After you select a loan offer and complete the final verification steps (which may include submitting documents like a pay stub), funds are often deposited directly into your bank account within 1-3 business days. Some lenders can even fund as soon as the next business day.

Does the loan cover the full cost, including consultation and follow-up care?

Yes. A personal loan provides you with a lump sum of cash, which you can use for all treatment-related expenses. This includes the initial consultation fees, the procedure itself, any facility or anesthesia fees, and even post-treatment skincare products recommended by your doctor. Be sure to request a loan amount that covers your total estimated cost.

Is it better to use a personal loan or a medical credit card?

It depends on your situation. Medical credit cards often offer 0% interest for a promotional period, which can be great if you're certain you can pay off the full balance in that time. However, if you don't, the retroactive interest can be extremely high. A personal loan provides a fixed rate and a clear repayment schedule, which is often safer and more predictable for larger expenses like a full CO2 laser treatment.

Will checking my loan rate for a laser peel affect my credit score?

No. The initial process of checking your rate and seeing what offers you may qualify for uses a soft credit inquiry. This type of inquiry is not visible to other lenders and has no impact on your credit score. A hard credit inquiry is only performed if you choose to move forward with a specific loan offer.

Can I use the loan to pay any dermatologist or plastic surgeon?

Absolutely. Since the funds are deposited directly into your bank account, you have the freedom to choose any qualified provider you wish. You are not locked into a specific network of doctors. This allows you to select the best specialist for your needs, pay them directly, and manage the loan repayment separately.

Financing for Laser Skin Resurfacing

Get the clear, confident skin you want with a simple personal loan to cover the full cost of your CO2, Fraxel, or Erbium laser treatment.

Check your rate

The cost of clear skin shouldn't be a barrier.

Health insurance won't cover cosmetic laser treatments like CO2 or Fraxel.
A personal loan provides a straightforward way to pay for elective procedures on your own terms, outside the insurance system.
High-interest credit cards can turn a one-time procedure into years of debt.
Personal loans often have lower, fixed interest rates, giving you a clear end date for your payments and predictable monthly amounts.
Saving up thousands of dollars can mean delaying the results you want right now.
Financing lets you schedule your treatment sooner and pay for it over time with manageable installments that fit your budget.

Using a Personal Loan for Your Laser Treatment

When you're ready to invest in a procedure like CO2 laser resurfacing or a series of Fraxel treatments, the upfront cost can be the biggest hurdle. A personal loan for cosmetic surgery offers a clear and structured path to payment. Unlike a credit card with a fluctuating balance or a clinic's limited payment plan, a personal loan provides you with a lump sum of cash. This gives you the power to pay your dermatologist or plastic surgeon in full, just as if you were paying with cash.

This approach simplifies the financial relationship with your provider and allows you to focus on your treatment and recovery. The loan is then repaid in fixed monthly installments over a set period, typically two to five years. This predictability means you'll always know how much you owe each month and exactly when your laser treatment will be fully paid off. It’s an effective way to budget for the full cost of your desired procedure, from initial consultation fees to any necessary follow-up care for your laser peel or acne scar removal.

Your Financing Process in 3 Simple Steps

1
Check Your Rate
Fill out a short online form with your desired loan amount. This takes about two minutes and results in a soft credit pull, which does not affect your credit score.
2
Compare and Choose Your Offer
If you qualify, you'll see loan offers from various lenders. Compare APRs, monthly payments, and loan terms to find the one that best suits your budget.
3
Get Funded and Book Your Treatment
Once you select an offer and complete the final verification, funds are typically deposited directly into your bank account, often as soon as the next business day. You can then pay your clinic and schedule your procedure.

Estimating Your Laser Skin Resurfacing Costs

CO2 Laser Resurfacing (Full Face) Highly effective, more downtime	$4,000 - $6,000
Fraxel Laser Treatment (per session) Often requires 3-5 sessions	$1,000 - $2,000
Erbium Laser Resurfacing Less recovery time than CO2	$2,000 - $5,000
Anesthesia & Facility Fees Depends on provider and setting	$500 - $1,500

Estimated monthly

$109/mo

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

The final cost of laser skin resurfacing can vary significantly based on your geographic location, the experience of your practitioner, and the specific technology being used (e.g., fractional vs. ablative lasers). It's crucial to get a detailed quote from your chosen provider that outlines the total expense, including the number of recommended sessions for optimal results. A personal loan can be structured to cover this entire amount, ensuring there are no financial surprises along the way.

See what your monthly payment could be.

Get a personalized estimate without affecting your credit score.

Check Your Rate Now

Loan amount: $2,000 – $10,000
APR: 7.99% – 35.99%
Term: 24 mo – 60 mo

Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%-8.99% of your loan amount, which will be deducted from any loan proceeds you receive.

Financing Options for Laser Treatments

Feature	Personal Loan	Medical Credit Card	In-House Payment Plan
Interest Rates	Fixed APR, often lower	High variable APR, deferred interest traps	Often 0% for a short promotional period
Flexibility	Cash to use at any provider	Only at participating providers	Only for that specific clinic
Repayment Term	2-5 years, predictable payments	Revolving balance, can take years to pay off	Very short, typically 6-18 months
Best For	Covering the full cost with a clear payoff date	Smaller costs you can pay off before interest hits	When other options aren't available

Compare your options without commitment.

Seeing your loan rate is free and won't hurt your credit.

See Your Personalized Rate

What Lenders Look For

Good to Excellent Credit: A score of 640 or higher is generally needed for the most competitive rates, though some partners work with scores starting around 600.
Verifiable Income: Lenders need to see that you have a steady source of income to comfortably handle the monthly loan payments.
Low Debt-to-Income (DTI) Ratio: Your total monthly debt payments (including the potential new loan) should ideally be less than 40% of your gross monthly income.
Established Credit History: A longer history of responsible credit use, such as paying bills on time, demonstrates reliability to lenders.

If you're on the borderline, you can strengthen your application by checking your credit report for errors and paying down existing credit card balances before you apply.

Ready to see what you qualify for?

The pre-qualification process is fast and simple.

Find Out Now

Smart Steps for Financing Your Skin Treatment

Navigating the financing for a cosmetic procedure requires careful planning. To ensure a smooth and financially sound process, consider these key tips before committing to a loan for your laser skin resurfacing:

Get a Final Quote First: Before applying for a loan, have a consultation and get an all-inclusive written quote for your entire treatment plan. This ensures you borrow the correct amount.
Factor in All Costs: Remember to account for potential follow-up visits, prescribed skincare products for post-treatment care, and any time you might need to take off work for recovery.
Understand Origination Fees: Some personal loans include an origination fee, which is deducted from the loan proceeds. Be sure to look at the APR, as it reflects the total cost of borrowing, including fees.
Confirm There Are No Prepayment Penalties: Choose a loan that allows you to pay it off early without any extra fees if you find yourself in a position to do so.

Laser Resurfacing Financing FAQs

Can I get a loan for a Fraxel or CO2 laser treatment with bad credit?
While having a higher credit score (typically 640+) will give you access to better interest rates, some lending partners specialize in working with individuals with fair or developing credit. You may still be able to qualify, but be prepared for a higher APR. It's always worth checking your rate, as the initial inquiry is a soft pull and won't harm your credit score.
How quickly can I get funds for my laser skin resurfacing procedure?
The process is designed to be fast. After you select a loan offer and complete the final verification steps (which may include submitting documents like a pay stub), funds are often deposited directly into your bank account within 1-3 business days. Some lenders can even fund as soon as the next business day.
Does the loan cover the full cost, including consultation and follow-up care?
Yes. A personal loan provides you with a lump sum of cash, which you can use for all treatment-related expenses. This includes the initial consultation fees, the procedure itself, any facility or anesthesia fees, and even post-treatment skincare products recommended by your doctor. Be sure to request a loan amount that covers your total estimated cost.
Is it better to use a personal loan or a medical credit card?
It depends on your situation. Medical credit cards often offer 0% interest for a promotional period, which can be great if you're certain you can pay off the full balance in that time. However, if you don't, the retroactive interest can be extremely high. A personal loan provides a fixed rate and a clear repayment schedule, which is often safer and more predictable for larger expenses like a full CO2 laser treatment.
Will checking my loan rate for a laser peel affect my credit score?
No. The initial process of checking your rate and seeing what offers you may qualify for uses a soft credit inquiry. This type of inquiry is not visible to other lenders and has no impact on your credit score. A hard credit inquiry is only performed if you choose to move forward with a specific loan offer.
Can I use the loan to pay any dermatologist or plastic surgeon?
Absolutely. Since the funds are deposited directly into your bank account, you have the freedom to choose any qualified provider you wish. You are not locked into a specific network of doctors. This allows you to select the best specialist for your needs, pay them directly, and manage the loan repayment separately.

Ready to invest in your confidence?

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.