Can I get a personal loan for plastic surgery with bad credit?

While having a good credit score (typically 640+) will give you access to the best rates and terms, some of our lending partners specialize in working with borrowers with fair or developing credit. Lenders will look at your entire financial profile, including your income and debt-to-income ratio, not just your credit score. If you have bad credit, applying with a creditworthy co-signer can also improve your chances of approval for a cosmetic surgery loan.

How quickly will I receive the money for my surgery?

The funding process is typically very fast. After you select a loan offer and complete the final verification steps with the lender, funds are often deposited directly into your bank account in as little as one to two business days. This allows you to schedule your procedure and pay your surgeon promptly without delays.

Does the loan money go directly to my surgeon?

No, a key benefit of a personal loan is its flexibility. The approved funds are deposited directly into your personal bank account as a lump sum. You then have the control to pay your surgeon, the surgical facility, the anesthesiologist, and any other related expenses as needed. This puts you in charge of the funds.

Can I use a loan to finance a 'mommy makeover' or multiple procedures at once?

Absolutely. Personal loans are an excellent option for financing comprehensive procedures like a mommy makeover, which often combines a tummy tuck, breast augmentation or lift, and sometimes liposuction. You simply apply for the total amount needed to cover all the planned procedures and associated fees. This consolidates the cost into a single loan with one easy monthly payment.

What is the difference between financing with a personal loan and using CareCredit for plastic surgery?

A personal loan provides a lump sum of cash with a fixed interest rate and a set repayment term, resulting in predictable monthly payments. CareCredit is a medical credit card that often offers promotional 0% APR periods. The risk with medical cards is that if you don't pay the entire balance by the end of the promo period, you may be charged high, retroactive interest on the original amount. A personal loan's terms are clear and consistent from day one.

Are there any prepayment penalties if I want to pay off my cosmetic surgery loan early?

Most of the personal loan providers in our network do not charge prepayment penalties. This means if you are able to pay off your loan ahead of schedule, you can do so without incurring extra fees, potentially saving you a significant amount in interest charges over the life of the loan. Always confirm this detail in your loan agreement.

Financing for Your Cosmetic Surgery

Compare personal loan offers for elective procedure costs such as surgeon fees, facility fees, anesthesia, and related recovery expenses.

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The procedure is planned. The price tag isn't.

Health insurance rarely covers elective cosmetic procedures, leaving you with the full bill.
A personal loan provides a lump sum of cash you can use to pay your surgeon directly, bypassing insurance limitations.
The total cost, including facility fees and anesthesia, can be much higher than the initial quote.
We help you find financing that can cover the entire cost of the procedure and related expenses, so there are no surprises.
Medical credit cards can have confusing terms or deferred interest that balloons if not paid on time.
Personal loans offer a fixed interest rate and a set repayment term, meaning your monthly payment never changes.
Coming up with $5,000 to $25,000 in cash isn't feasible for most people.
Financing breaks down a large upfront cost into manageable monthly payments that fit your budget.

Using a Personal Loan for Plastic Surgery Financing

When you've decided to move forward with a cosmetic procedure, the last thing you want is financial stress. A personal loan for cosmetic surgery is a straightforward financing tool that empowers you to manage the cost effectively. Unlike secured loans, these are unsecured, meaning you don't need to provide collateral like your car or home. You receive a single, lump-sum payment directly into your bank account. This gives you the freedom to pay your chosen surgeon and cover all associated costs, from the abdominoplasty cost to post-operative care.

This approach differs significantly from options like CareCredit for plastic surgery or other medical credit cards. With a personal loan, you get a fixed interest rate and a clear repayment schedule over a set term (typically 2 to 7 years). Your monthly payment is predictable and won't change, making it easier to budget for your new look without worrying about surprise interest rate hikes or complicated promotional periods. It’s a popular method for everything from breast augmentation financing to covering the full facelift cost.

Get Your Financing in 3 Simple Steps

1
Check Your Rate
Fill out a short online form with your desired loan amount and basic information. This takes about two minutes and won't impact your credit score.
2
Review Your Options
If you pre-qualify, you'll see loan offers from our network of lending partners. Compare APRs, terms, and monthly payments to find the best fit.
3
Receive Your Funds
Once you select an offer and complete the final verification, funds are typically deposited directly into your account within 1-2 business days.

Example scenario

Getting a loan was way easier than I thought. I could finally schedule the mommy makeover I'd been wanting for years without draining my savings. The process was fast and the payments are totally manageable.

Jessica M.·Mommy Makeover Recipient, Dallas

See Your Personalized Loan Options Now

Find out what you could qualify for in minutes. It's free and won't affect your credit score.

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What to compare before choosing an offer

What to compare	Why it matters
APR	APR includes the interest rate and certain fees, so it is usually better for comparing loan offers than interest rate alone.
Monthly payment	Make sure the payment fits your budget before accepting an offer. A longer term may lower the monthly payment but can increase total interest.
Origination fee	Some lenders deduct a fee from the loan proceeds. Compare how much cash you would actually receive after fees.
Total repayment	Look beyond the payment and compare the total amount repaid over the full loan term.
Funding timing	Funding speed varies by lender, bank, verification steps, and when you accept final terms.
Credit inquiry	Initial rate checks generally use a soft inquiry. If you choose an offer, the lender may complete a hard credit inquiry before final approval.

Separate the medical decision from the financing decision. Compare loan terms before committing.

What to have ready before checking rates

Requested loan amount: Use a realistic estimate based on the bill, quote, invoice, or project cost you need to cover.
Income and employment details: Lenders typically review income, employment, and debt obligations when evaluating final terms.
Monthly budget: Know the payment range you can handle before comparing term lengths.
Use of funds: Be ready to explain what the loan is for, especially for medical, home repair, startup, or emergency expenses.

Checking rates is not a loan approval. Final rates, terms, loan amount, and funding timing depend on lender review.

Estimating the Total Cost of Your Procedure

The price of cosmetic surgery can vary widely based on the surgeon's experience, your geographic location, and the complexity of the procedure. For example, the average rhinoplasty cost can differ significantly from the typical breast lift cost. It's crucial to get a detailed quote from your surgeon's office that breaks down all expenses. Don't forget to account for costs beyond the surgery itself, such as pre-operative tests, post-operative garments, and prescription medications.

Example Cost Breakdown: Mommy Makeover

Surgeon's Fee (Tummy Tuck & Breast Augmentation) Varies by surgeon and location	$15,000
Anesthesia Fee Based on procedure duration	$2,500
Surgical Facility Fee Covers operating room and staff	$3,000
Post-Op Garments, Meds & Follow-ups Estimated recovery expenses	$1,000

Estimated monthly

$489/mo

Based on a $21,500 loan with a 5-year term at 11.99% APR. Your actual rate may vary.

Loan amount: $5,000 – $25,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual Annual Percentage Rate (APR) depends on your credit score, loan amount, term length, and credit history. All loans are subject to lender approval.

Comparing Financing Options: Personal Loans vs. Alternatives

When considering how to pay for your surgery, you have several paths. Many patients look into options like CareCredit for breast implants or other medical credit cards. While convenient, these often come with deferred interest plans that can become very expensive if the balance isn't paid in full during the promotional period. In-house financing offered by the surgeon's office is another option, but it may have higher interest rates or less flexible terms. A personal loan provides a clear, transparent alternative with one fixed payment.

Personal Loan vs. Medical Credit Card vs. In-House Financing

	Personal Loan	Medical Credit Card	In-House Financing
Interest Rate	Fixed APR	Promotional 0% APR, then high variable rate	Often high fixed rate
Loan Amount	Lump sum for all costs	Covers specific medical charges	Covers surgeon's fee only
Repayment	Predictable monthly payments	Minimum payments, risk of deferred interest	Fixed payments, often shorter terms
Flexibility	Use funds for any related expense	Only for participating providers	Only for that specific surgeon

Qualifying for a Cosmetic Surgery Loan

What Lenders Typically Look For

Good to Excellent Credit: A credit score of 640 or higher is generally preferred for the most competitive rates, though some partners consider scores in the fair range.
Verifiable Income: You'll need to show a steady source of income through pay stubs, bank statements, or tax returns to demonstrate you can repay the loan.
Low Debt-to-Income (DTI) Ratio: Lenders look at your existing debt payments relative to your gross monthly income. A lower DTI ratio improves your chances of approval.
Positive Credit History: A history of on-time payments and responsible credit management shows lenders you are a reliable borrower.

If you have a lower credit score, consider applying with a co-signer who has a stronger credit profile. This can significantly increase your chances of approval and may help you secure a lower interest rate.

Find Out What You Qualify For

Your credit score won't be impacted when you check your personalized loan offers.

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Tips for a Smooth Financing Process

Securing financing for elective surgery is a major financial decision. To ensure you make the best choice for your situation, it's wise to approach the process with a clear plan. Here are a few key considerations to keep in mind as you compare options for your tummy tuck financing or breast lift financing.

Get a Final Quote First: Before applying for a loan, have a final, all-inclusive quote from your surgeon. This ensures you borrow the right amount and avoid shortfalls.
Read the Fine Print: Always understand the terms of any loan offer, including the APR, origination fees (if any), and whether there are penalties for early repayment.
Factor in Recovery Time: If your procedure requires you to take unpaid time off work, consider borrowing slightly more to cover living expenses during your recovery period.
Compare Multiple Offers: Don't take the first offer you receive. Checking your rate with us allows you to see options from multiple lenders, empowering you to choose the best deal.

Ready to Compare Offers?

A few minutes is all it takes to see your options.

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Frequently Asked Questions About Cosmetic Surgery Financing

Can I get a personal loan for plastic surgery with bad credit?
While having a good credit score (typically 640+) will give you access to the best rates and terms, some of our lending partners specialize in working with borrowers with fair or developing credit. Lenders will look at your entire financial profile, including your income and debt-to-income ratio, not just your credit score. If you have bad credit, applying with a creditworthy co-signer can also improve your chances of approval for a cosmetic surgery loan.
How quickly will I receive the money for my surgery?
The funding process is typically very fast. After you select a loan offer and complete the final verification steps with the lender, funds are often deposited directly into your bank account in as little as one to two business days. This allows you to schedule your procedure and pay your surgeon promptly without delays.
Does the loan money go directly to my surgeon?
No, a key benefit of a personal loan is its flexibility. The approved funds are deposited directly into your personal bank account as a lump sum. You then have the control to pay your surgeon, the surgical facility, the anesthesiologist, and any other related expenses as needed. This puts you in charge of the funds.
Can I use a loan to finance a 'mommy makeover' or multiple procedures at once?
Absolutely. Personal loans are an excellent option for financing comprehensive procedures like a mommy makeover, which often combines a tummy tuck, breast augmentation or lift, and sometimes liposuction. You simply apply for the total amount needed to cover all the planned procedures and associated fees. This consolidates the cost into a single loan with one easy monthly payment.
What is the difference between financing with a personal loan and using CareCredit for plastic surgery?
A personal loan provides a lump sum of cash with a fixed interest rate and a set repayment term, resulting in predictable monthly payments. CareCredit is a medical credit card that often offers promotional 0% APR periods. The risk with medical cards is that if you don't pay the entire balance by the end of the promo period, you may be charged high, retroactive interest on the original amount. A personal loan's terms are clear and consistent from day one.
Are there any prepayment penalties if I want to pay off my cosmetic surgery loan early?
Most of the personal loan providers in our network do not charge prepayment penalties. This means if you are able to pay off your loan ahead of schedule, you can do so without incurring extra fees, potentially saving you a significant amount in interest charges over the life of the loan. Always confirm this detail in your loan agreement.

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.