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Plastic Surgery Financing
11 Jul 2019

Need a New Nose? the Ultimate Guide on Plastic Surgery Financing

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Americans are spending more than ever on plastic surgery with over $16 billion being spent in 2016 alone. Which is why for many, plastic surgery financing is the only option for obtaining the look they desire.

Whether you’re looking for rhinoplasty or breast augmentation there are a number of options for receiving financing for your plastic surgery needs. Read on to learn more about applying for and receiving plastic surgery financing.

The Cost of Various Procedures

Before applying for plastic surgery financing it’s important to know what type of procedure you’re looking for and the average price. Some of the most common procedures sought after in the United States include breast augmentations, liposuction, nose reshaping, and eyelid surgery.

The cost of these procedures can range from $6,000-$12,000 depending on your location and the method used.

To get an exact cost, it is recommended for you to contact your plastic surgeon to request a quote.

Paying for Plastic Surgery with a Personal Loan

It’s important to know that medical insurance will not cover the cost of elective plastic surgery. Meaning if you’re choosing to have the plastic surgery done without a medical need for it you could be out of pocket thousands of dollars.

Unless you choose to tap into your savings, it will be best to apply for a personal loan that can then be used to cover your medical expenses.

You’ll want to keep in mind that depending on the procedure you will also have to go through a specified period of recovery time. This often results in time taken off from work.

When calculating the amount of money you’ll need, you want to determine whether you have enough vacation days accumulated to cover your missed workdays or if you’ll need the loan amount to include this deduction in your paycheck.

Finding the Right Lender

The good news is, there are a number of options available for obtaining a personal loan for your plastic surgery procedure. Each loan option will depend on your credit score as well as the amount you are looking to borrow.

When reviewing loan options be sure to look into their repayment terms as well as any late fees or interest rates.

Read on for our top picks on plastic surgery financing options.

Light Stream

If you’re familiar with SunTrust Banks you may also be familiar with Light Stream. Light Stream is a division of the bank that can offer loans from $5,000-$200,000 with term options ranging between 24 and 144 months.

Light stream also offers fixed-rate loans that come without fees or prepayment penalties. This can be an excellent option for financing medical expenses. However, these ideal rates require excellent credit scores.


Upstart is one option often used for those seeking a personal loan for their medical expenses. These loans can go up to $50,000 with term options of 36 or 60 months.

While these rates are ideal for plastic surgery financing it is important to know that a credit score of 620 is the minimum that can be accepted. Unfortunately, it is nearly impossible to get a bad credit personal loan to finance your cosmetic surgery.

It’s also important to know that while there are no prepayment penalties Upstart does have late fees of up to 5%.

Freedom Plus

If you need between $7500 and $40,000 for your plastic surgery procedure Freedom Plus maybe an option worth considering.

This lender offers loans with no prepayment penalties and 24 to 60-month terms.

Another benefit of freedom plus loans is that the loan decision will be made quickly. In fact, you can find that the funds will be deposited into your account within 48 hours.

This is ideal in the event that you need to cover your medical costs within a short period of time.


Avent is a loan option that’s ideal for those seeking loans between $2,000 and $35,000 with terms between 24 to 60 months.

One of the benefits of Avent loans is that their minimum credit scores tend to vary depending on the type of loan you’re seeking. For this reason, it’s ideal to look into Avent loan requirements based on each of the programs.

It’s also important to know that there is the potential for late fees with Avent loans and that the percentage of these late fees may vary depending on the amount you receive.

Additional Options for Plastic Surgery Financing

If you believe that you have enough cushion in your savings account you may choose to dip into that savings account in order to pay for your plastic surgery procedure. However, it’s important to know that there is no guarantee of how a procedure will turn out.

If you need to go back in for additional treatments or you’re facing a specific situation like your body rejecting a breast implant or facing an infection, you want to know you have additional funding to handle the problem.

If you can justify medical reasons for why you need your plastic surgery done, for example, a reduction of back pain or increased health benefits, there is a chance that you can have your plastic surgery procedure paid for by your health insurance provider.

However, it’s important to know that if you choose this option you may have to have a written letter from your doctor dictating why the specific plastic surgery procedure is necessary.

The Financial Help You Need When You Need It

Whether you’re looking for plastic surgery financing or a personal loan for an urgent situation, it’s important to gather all the information you can in order to better assess your options.

If you’re seeking more information on personal loans, check out our blogs today for the professional advice you need to take control over your financial situation.

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