Medical Loans for Cosmetic Surgery
Feeling good about yourself shouldn’t mean waiting for years to save money. When you’re ready to invest in the cosmetic procedure that’ll boost your confidence, flexible financing options help make your transformation possible today.
Get a decision in 3 minutes
No upfront fees or costs
Applications open 24/7
Fund any cosmetic procedure
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Cosmetic Surgery Financing
Quick Approval Process
Fill out one straightforward application and connect with lenders who specialize in cosmetic procedure financing in about 3 minutes¹. Skip the lengthy approval processes that delay your transformation. Our network understands you’re ready to take this step.
Fast Funding for Your Procedure
Once you’re approved, money for your cosmetic surgery could arrive in your account as soon as the next business day*. Whether you’re scheduling a consultation or ready to book your procedure date, we help you move forward without unnecessary delays.
Best Cosmetic Surgery Loans for All Credit Types
Past financial challenges won’t automatically disqualify you from getting the procedure you want. Our lending partners evaluate your current situation and income rather than focusing exclusively on credit history³.
How Medical Loans for Cosmetic Surgery Work
Cosmetic surgery loans are personal loans used to cover elective procedures that insurance typically won’t pay for. When you apply through Yup Loans, we connect you with lenders who recognize that cosmetic procedures are meaningful investments in your wellbeing and self-confidence³.
The entire application process happens online at your convenience. After you submit your information through our secure platform, we’ll match you with direct lenders. If you’re approved, you’ll see loan offers with clear terms including interest rates, payment schedules, and total costs. There’s no obligation to accept any offer that doesn’t align with your budget.
Once you accept an offer, funds transfer directly into your checking account as soon as the next business day*. You can then pay your surgeon’s office directly or handle deposits and procedure costs as needed.
Repayment works through scheduled monthly installments over your chosen loan term, giving you predictable payments that fit into your monthly budget. Unlike financing plans with changing rates, these loans typically feature fixed payments so your monthly amount stays consistent⁴.
Get Plastic Surgery Financing in 3 Easy Steps
1
Simple Application
Complete our online form in minutes and connect with lenders offering the best cosmetic surgery loans.
2
View Your Offer
Look over the loan terms and make sure they work for your budget4. You’re not locked in – only accept the loan if it works for you.
3
Receive Your Funds
Once approved, money for your cosmetic procedure can be deposited into your account as soon as the next business day*.
You Can Use Bad Credit Cosmetic Surgery Loans For…
Your appearance impacts how you feel every single day, and waiting indefinitely for elective procedures can affect your quality of life.
Our lending network provides financing that can cover virtually any cosmetic and plastic surgery procedure, including:
- Breast augmentation and lifts
- Tummy tucks and body contouring
- Liposuction and fat reduction
- Rhinoplasty and facial procedures
- Facelifts and neck lifts
- Eyelid surgery and brow lifts
- Mommy makeover procedures
- Brazilian butt lifts
- Dental work
- Laser skin treatments and resurfacing
- Botox and injectable treatments
- Hair restoration and transplants
- Non-surgical aesthetic treatments
Remember that procedure costs vary depending on the complexity of your surgery and your plastic surgeon’s qualifications and experience. When you’re looking for a provider, prioritize finding an experienced plastic surgeon you trust rather than getting the lowest price – your safety and results are worth the investment.
Reviews
Michelle T., Phoenix, AZ⁵: “After three kids, I wanted my body back but thought cosmetic surgery was out of reach financially. My credit wasn’t perfect after multiple maternity leaves and reduced income. Yup Loans connected me with a lender who approved my mommy makeover financing the same day I applied. The monthly payments are manageable, and I finally feel like myself again. The confidence I gained has been life-changing for my whole family.”
David R., Chicago, IL⁵: “I’d been self-conscious about my nose since high school but could never afford a rhinoplasty. Traditional financing companies said no because of past credit issues. Yup Loans found me a lender within hours, and I had my surgery scheduled within two weeks. Now I actually enjoy having my picture taken! The straightforward payment plan fits perfectly into my budget.”
Plastic Surgery Personal Loans FAQs
What credit score is needed for cosmetic surgery financing?
There’s no minimum credit score requirement to apply for cosmetic surgery financing through our network³. Our lending partners evaluate multiple factors beyond just your credit score when reviewing applications. Many people with less-than-perfect credit, including those with scores around 500, previous bankruptcies, or limited credit history, successfully qualify for financing options. Your current income and ability to make monthly payments matter more than past credit challenges.
Does insurance cover any cosmetic procedures?
Most cosmetic and elective procedures aren’t covered by health insurance because they’re not considered medically necessary. Some procedures could qualify for partial coverage if they address functional issues or reconstruct features after injury or illness – e.g rhinoplasty for breathing problems or breast reduction for back pain might receive some coverage. Always check with your insurance provider about your specific procedure, but plan to finance the full amount yourself in most cases.
Can I get a get a loan for plastic or cosmetic surgery with bad credit?
You can qualify for cosmetic surgery loans for bad credit even with a low credit score³. The lenders in our network understand that past financial difficulties don’t reflect your current income or ability to manage monthly payments. A lot of people with credit challenges, previous bankruptcies, or limited credit history successfully secure financing for their cosmetic procedures. Your readiness to invest in yourself matters more than historical credit problems
Should I take out a personal loan or credit card to finance my plastic surgery procedure?
Personal loans typically offer better terms for cosmetic surgery than credit cards. Unlike credit cards with variable interest rates that can increase your payments unpredictably, personal loans provide fixed monthly payments and set repayment terms⁴. This makes budgeting easier and often results in lower overall interest costs for larger procedure amounts. Personal loans also won’t impact your existing credit card limits, preserving that available credit for other needs or emergencies.
How do I get a loan for cosmetic surgery?
Getting a loan for cosmetic surgery starts with completing our quick online application. We’ll match you with lenders in our network who specialize in elective procedure financing³. After reviewing loan offers, you choose the terms that fit your situation, and funds arrive in your account as soon as the next business day*. You then pay your surgeon directly or according to their payment requirements.
What is the most popular cosmetic surgery in the USA?
Liposuction is the most popular cosmetic surgery procedure in the United States. It remains a top choice for body contouring, with an average cost of $3,637. This procedure appeals to many patients looking to remove stubborn fat deposits that don’t respond to diet and exercise alone. However, total costs can vary significantly based on the treatment area, your location, and your plastic surgeon’s expertise.
Get Your Cosmetic Surgery Loan Today
Don’t put off the transformation you’ve been imagining. Your confidence and happiness deserve investment. Our quick application takes just minutes to complete¹, and you could get approved faster than scheduling your consultation*.