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.
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.