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Best Plastic Surgery Loans

Cosmetic surgery can be expensive, and your health insurance may not cover the full cost. You might need a plastic surgery loan to help pay for the cost. Luckily, the best plastic surgery loans are quick and easy to apply for.

Best Plastic Surgery Loans
Lindsay Frankel
Written by:Lindsay Frankel
Personal Finance Expert
Best Plastic Surgery Loans

Many or all of the products featured here are from our partners who compensate us. This may affect which companies we write about and where the company appears on a page. However, any analyses, or reviews expressed in this article are those of the author’s alone, and have not been approved or endorsed by any partner.

Most common cosmetic surgeries cost several thousands of dollars. For example, the average breast reconstruction surgery costs $15,225, according to CareCredit, a medical credit card provider. If you’re wondering how to pay for plastic surgery, one financing option you may consider is a plastic surgery loan. When you apply for a cosmetic surgery loan from an online lender rather than a bank, you’ll enjoy a faster, easier process. Some online lenders also have more lenient qualification requirements. Our team of financial experts reviewed and ranked more than 30 online lenders to help you choose the best plastic surgery loan for your needs.

Best Plastic Surgery Loans

Top Picks for Best Plastic Surgery Loans

  • Credible - Best for Comparison Shopping
  • AmOne — Best for Loan Comparison
  • Upstart — Best for Bad Credit
  • SoFi — Best for No Fees
  • Figure — Best for Forbearance
  • Upgrade — Best for Flexible Terms

Best Plastic Surgery Loan Options for 2023

Best Overall

Credible - Best for Comparison Shopping

2.49% to 35.99%
Loan Amounts
Min. Credit Score
Key Features
  • Checking rates does not affect credit score
  • Best rate guarantee
  • Allows you to compare loans from top-rated lenders
  • Loan amounts up to $100,000
  • No hidden fees
  • Easy online application
Pros & Cons
  • Competitive interest rates
  • No hidden fees or prepayment penalties
  • Low credit accepted
  • Flexible repayment terms
  • Excellent customer service
  • Not a direct lender
  • Rates will vary by lender
  • Some lenders may charge late fees

Credible plastic surgery loans go up to $100,000 with competitive interest rates and flexible repayment terms. Credible is not a direct lender, but rather a loan marketplace that connects you to lenders you qualify for. Rather than spending hours researching lenders, you can spend your time finding the best plastic surgeon. Credible only works with top-notch lenders and does not charge any origination fees. Poor credit is accepted, as are those with low income.


Main Features

Credible offers personal loans loans from $600 to $100,000 that can be used to cover the cost of plastic surgery. Rates starting at 4.60% and terms are generally two to three years. Credible is not a lender but a loan marketplace connecting you with reputable lenders within minutes. There are no hidden fees and low credit is accepted. To apply for a personal loan with Credible, simply fill out their easy online application. You’ll be matched with lenders you qualify for, and from there you can choose your loan amount, rate, and lender. If approved, you’ll sign for the loan and may receive funds as soon as the next business day.

If you need a plastic surgery personal loan but don’t have time to shop rates, apply with Credible. Credible connects you to lenders within minutes and allows you to view rates, loan amounts, and fees in real-time, saving you both time and money. Once you find a loan you like, you can choose to move forward with the process and potentially have your funds within 24 hours of closing.

AmOne — Best for Loan Comparison

Loan Amount
Min. Credit Score
Key Features
  • Variety of personal and business loans
  • Fast application process
  • Loans are available for borrowers with low credit scores
Pros & Cons
  • Options for every credit tier
  • Flexible repayment terms up to 72 months
  • Quick and easy process
  • U.S.-based customer support team
  • Get multiple rate quotes without hurting your credit
  • Rates and terms vary by lender
  • May lead to calls and emails from lenders

If you want to check your rate with multiple lenders in one spot, AmOne is our top pick of the loan comparison platforms. They offer options for every credit tier, and you’ll only need to enter your personal details once. Just be aware this may result in sales calls from lenders, even after you’ve selected the best loan to fund your cosmetic surgery.


Main Features

Depending on the lenders you’re matched with, you can borrow up to $50,000 using the AmOne platform. Terms vary up to 72 months and APRs range from just 2.49% to 35.99%. Funding time varies but can be as quick as the same day. AmOne has options for all credit tiers and incomes, but the best rates are reserved for borrowers with excellent credit.

If you’re curious to see what you’re eligible for and don’t mind screening a few calls from lenders that can offer you a loan, AmOne can save you a lot of time and provide you with personalized support.
upstart review

Upstart — Best for Bad Credit

3.09% - 35.99%
Loan Amounts
Min. Credit Score
Key Features
  • Loans can be funded in one busines day
  • Prequalification with a soft credit check
  • Accepts borrowers with fair credit
Pros & Cons
  • More lenient qualification requirements than other lenders
  • APRs capped at 35.99%
  • Excellent customer service reviews
  • 99% of loans funded within 24 hours
  • Allows you to change your due date
  • Only two term options
  • No cosigned or joint applications
  • May charge an origination fee
  • Charges a late payment fee
  • Not available in West Virginia or Iowa

Upstart welcomes applicants with credit scores as low as 300 as well as those with no credit history but still caps rates at 35.99%. You can check your rate without hurting your credit, and most people receive their funds the same day, so Upstart is ideal for bad credit borrowers who are planning how to finance plastic surgery.


Main Features

You can borrow between $1,000 and $50,000 from Upstart with your choice of a three or five-year repayment term. APRs range from 5.35% to 35.99%. There is also a 0% to 8% origination fee and a late payment fee of 5% of the past due amount or $15, whichever is greater. Funding typically happens the next business day. To be eligible, you’ll need a credit score of at least 300 or not enough credit history to generate a score. You can’t have had any bankruptcies or public records in the last year, and your debt-to-income ratio must not exceed 50% (45% in some states). You’ll also need to provide proof of income, but there’s no specific minimum income requirement.

Upstart offers fair credit borrowers large enough loans to fund most procedures at relatively low rates. While excellent credit borrowers may be able to find fewer fees elsewhere, Upstart is the best option for people who have made credit mistakes in the past and need cash for plastic surgery.
 sofi review

SoFi — Best for No Fees

6.99% to 21.78%
Loan Amount
Up to $100,000
Min. Credit Score
Key Features
  • No origination, prepayment, or late payment fees
  • Joint applications accepted
  • Offers .25% discount for autopay
  • Borrowers up to $100,000
Pros & Cons
  • No fees of any kind
  • Includes no cost financial advice
  • Includes free career coaching
  • Offers unemployment protection
  • Borrow up to $100,000
  • Well-rated mobile app
  • Funding as soon as the same day
  • Accepts joint applications
  • Flexible repayment terms
  • Check your rate without hurting your credit
  • Extended customer service hours
  • $5,000 minimum borrowing amount
  • Fair credit borrowers may not be approved
  • Higher APRs on longer term loans
  • Mixed customer service reviews on Trustpilot

If you have good or excellent credit and want to enjoy member benefits, low rates, no fees, and unemployment protection with your plastic surgery loan, SoFi is the right lender for you. While the lender doesn’t explicitly offer medical loans, there are no restrictions on using a SoFi personal loan for cosmetic surgery. Plus, SoFi is one of the few lenders that can provide up to $100,000 for more extensive procedures.


Main Features

You can borrow between $5,000 and $100,000 from SoFi and choose a repayment term between 2 and 7 years. Rates start at 6.99% with the Autopay discount on 2-year loans and go up to 22.28%. The minimum APR on an 84-month loan is 11.59%. There are no origination fees, late fees, hidden fees, or prepayment penalties, and you can receive your funds as soon as the same business day. While there’s no specific minimum credit score, several third-party sources report that you’ll need good credit to be approved. SoFi will evaluate your income but doesn’t have a minimum requirement.

If you can qualify for a loan from SoFi, you’ll likely find that the lender has the fewest fees and the most benefits, making it ideal for funding your cosmetic surgery. You should still compare APRs from a few other lenders before making a decision, however.

Figure — Best for Forbearance

5.75% to 22.87%
Loan Amount
Up to $50,000
Min. Credit Score
Key Features
  • Autopay discount of 0.25%
  • Prequalify without hurting your credit score
  • Large loan amounts available
Pros & Cons
  • Forbearance program
  • Referral program
  • No prepayment penalties
  • Excellent customer service reviews
  • Rates as low as 5.75% APR
  • Automated application process
  • HELOC also available
  • Check your rate without hurting your credit
  • Only two repayment terms on personal loans
  • May charge an origination fee
  • No cosigned or joint applications
  • Minimum $5,000 borrowing amount

If you’re looking for cosmetic surgery financing, Figure offers a few options, including a personal loan and a 100% online home equity line of credit. And you can borrow with the comfort of knowing that Figure has both excellent customer service reviews and a formal forbearance program. You can pause payments for up to six months over the life of your loan should you experience hardship related to things like medical needs and unemployment.


Main Features

With Figure, you can apply for between $5,000 and $50,000 to use for cosmetic surgery and repay the loan in a three or five year term. APRs range from 5.75% to 31.44% with an Autopay discount, and there is an origination fee of up to 5%, depending on where you live and your creditworthiness. There are no prepayment penalties to worry about and funding can occur as soon as the next business day. The minimum credit score for an HELOC is 620, and while Figure doesn’t disclose a minimum score for its personal loans, they’re likely looking for applicants in the same minimum tier.

Whether you need a lump sum personal loan or a line of credit for ongoing medical treatment, Figure can offer you the cash you need with great service. Figure’s forbearance options are also ideal for borrowers who could potentially face medical hardship.

Upgrade — Best for Flexible Terms

5.94% to 35.97%
Loan Amount
Min. Credit Score
Not disclosed
Key Features
  • Funding as soon as the next day
  • Can be approved with fair credit
  • Variety of discounts on rates
Pros & Cons
  • Flexible repayment terms
  • No prepayment penalties
  • Check your rate without hurting your credit
  • Open to fair credit borrowers
  • Can change payment date
  • Rates as low as 5.94%
  • Extended customer support hours
  • Excellent customer service reviews
  • Allows joint applications
  • Discount for rewards checking members
  • Charges an origination fee
  • Charges a late payment fee

Like SoFi, Upgrade offers flexible repayment terms between 24 and 84 months and few restrictions on loan use. But Upgrade is easier to qualify for than SoFi with fair credit. Upgrade also offers borrowers the ability to change their payment date to fit their budget. Upgrade is an especially good option for existing rewards checking members, who can receive a significant discount on their personal loan APR.


Main Features

You can borrow anywhere from $1,000 to $50,000 from Upgrade and choose a repayment term between 24 and 84 months. APRs range from 5.94% with the Autopay discount to 35.97%. Upgrade charges an origination fee between 2.9% and 8%. The lender also charges a $10 late payment fee. While Upgrade doesn’t disclose a minimum credit score or income requirements, the lender is reportedly welcoming to fair credit applicants and considers a greater variety of information than just your credit score.

If you can’t qualify for a loan from SoFi, Upgrade has many of the same features that make it a good choice for plastic surgery loans, but also has looser requirements. The lender charges an origination fee, but most customers are happy with the process.

How to Choose the Best Plastic Surgery Loan

When comparing cosmetic surgery loans, you’ll want to pay attention to the following factors. Our team of experts evaluated each lender using the criteria below:

  • Loan Features: Make sure the lender offers the amount you need with a term that results in a monthly payment you can afford, and check to ensure there are no restrictions on using the loan for medical purposes.
  • Interest Rates and Fees: Aim to apply for the loan with the lowest interest rates and the fewest fees that you are eligible for based on your creditworthiness. Avoid all lenders that charge prepayment penalties.
  • Application Process: Consider whether the lender offers prequalification without a hard credit pull. If your reconstructive surgery is an emergency, pay attention to each lender’s funding time as well.
  • Qualification Process: Some lenders have stricter qualification criteria than others. Make sure you’re likely to qualify before you formally apply.
  • Customer Support: Check the lender’s options for getting in touch with the customer support team. You should be able to find a convenient time to call or email when assistance will be available.
  • Online User Reviews: Look at what people are saying about each lender on third-party review sites like Trustpilot, CreditKarma, and ConsumerAffairs. Any negative patterns in customer reviews should raise a red flag.
  • Perks and Bonuses: Some lenders offer payment flexibility, hardship protection, educational resources, or other benefits. If you want advanced technology such as mobile app loan management, you should look for lenders that offer that as well.

Best Plastic Surgery Loans — Feature Comparison

Rocket Loans4.4
  • Est. APR - 6.723% to 35.89% 
  • Min. Credit Tier - Fair 
  • Loan Amount - $2,000 to $45,000 
  • Loan Term - 36 or 60 months

Average Costs of Plastic Surgery Procedures

According to CareCredit, below are the average costs of the most common plastic surgery procedures:

  • Breast augmentation: $4,516
  • Breast reconstruction: $15,225
  • Breast implant removal: $3,059
  • Breast lift: $5,012
  • Breast reduction: $5,913
  • Buttock augmentation: $4,807
  • Buttock implants: $5,278
  • Buttock lift: $5,482
  • Cheek implant: $3,669
  • Chin augmentation: $3,137
  • Dermabrasion: $1,786
  • Ear surgery: $3,736
  • Eyelid surgery: $4,120
  • Facelift: $8,005
  • Forehead lift: $3,900
  • Liposuction: $3,637
  • Nose job: $5,483
  • Tummy tuck: $6,514
  • Hernia repair: $5,600

How to Get a Plastic Surgery Loan

While the process varies depending on the lender you choose, you’ll generally follow these steps:

  • Check your credit report at to see what you’re eligible for and dispute any errors
  • Prequalify with a few different lenders you’re likely to be eligible for. This will only result in a soft credit check, which will not hurt your credit.
  • Choose the lender with the lowest rate and the fewest fees you can qualify for, and proceed to the formal application. You’ll need to provide your social security number and proof of income, and this step will result in a hard credit check, which will cause a slight drop in your score.
  • Once approved, read the fine print and sign and accept your loan documents.
  • Wait for the funds to appear in your bank account, which typically happens within just a few days.

Where to Get Plastic Surgery Loans

  • Banks: Banks provide in-person service, but bank loans are often more difficult to qualify for than online loans. They also require paperwork and can take longer to fund. If you have a good relationship with your bank, you may consider asking about a plastic surgery loan.
  • Credit Unions: Credit unions often offer low rates, but they have membership requirements. If you’re already a member of a credit union, this might be a good place to start looking for a cosmetic surgery loan.
  • Online Lenders: Online lenders review a greater variety of information than just your credit score when making an approval decision. They can also fund your cosmetic surgery loan quickly, sometimes even in the same day. And they offer a digital process that many borrowers prefer.

Alternative Financing Options for Cosmetic Surgery

  • Credit Card: You might consider a medical credit card, which typically have lower APRs and are designed for medical expenses, or a 0% introductory APR credit card, if you can pay off the balance within about 18 months.
  • Home Equity or Auto Equity Loan: These are secured loans that allow you to borrow against the equity you’ve built in your home or vehicle. They typically come with lower rates than personal loans, but can take longer to get.
  • HELOC: An HELOC is a revolving line of credit that allows you to draw from the equity in your home as needed. It’s a great option for borrowers who can’t afford to repay a loan right away, since the draw period typically lasts five or ten years before repayment of principal and interest begins.
  • 401(k) Loan: You should only use this option if your cosmetic surgery is necessary, since raiding your 401(k) will deplete your retirement savings. You also shouldn’t borrow from your retirement account if you plan to leave your job. But this is a no credit check option you can use to pay for plastic surgery, and you can avoid tax penalties if you repay the loan with interest.
  • Payment Plan: Talk to your doctor about payment plans offered by your healthcare institution. You may be able to pay for the procedure in fixed installments.
  • Health Savings Account or Flexible Spending Account: If your procedure is medically necessary and you have an HSA or FSA account, you can use your savings in these accounts to cover the cost.
  • Crowdfunding: If you think your social network will be sympathetic to your cause, start a crowdfunding campaign to raise money for your procedure.


If you can’t afford to pay for your cosmetic surgery all at once, an unsecured personal loan from an online lender is a great option. It’s fast and easy to get the money you need, and if you have good credit, you’ll likely beat the APR on your credit cards. There are also loan options for poor credit borrowers who may have difficulty getting a credit card. What’s more, the lenders we chose don’t have any restrictions on using the funds for medical procedures. You can’t go wrong with the lenders on our list, but be sure to prequalify with a few of them to compare rates before you decide.

Frequently Asked Questions(FAQ)

What Is the Best Way to Finance Plastic Surgery?

Talk to your surgeon about a payment plan, first and foremost. If that’s not an option and you have good credit and can afford repayment within 18 months, your best bet will be either a 0% introductory APR credit card or a medical credit card with an interest-free period. As long as you’re careful to pay off the balance in time, you won’t pay any interest. But if you need longer to pay for the procedure or you can’t qualify based on your creditworthiness, your next best option will be a personal loan because of the speed, flexibility, and low cost.

Is It Hard to Get Financing for Plastic Surgery?

Not especially. If you have bad credit, you might face a challenge, but many lenders are willing to provide loans for cosmetic surgery. If you apply with an online lender, you can even get your funds as soon as the same day.

Do People Take Out Loans for Plastic Surgery?

It’s very common for people to take out loans for plastic surgery. If your cosmetic procedure is medically necessary and your insurance doesn’t cover the full cost, then a plastic surgery loan is a good idea. But if you can avoid borrowing and save up cash to pay for your procedure, you’ll save money.

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