Quick answer
Cosmetic surgery is usually not covered by insurance, so financing comes from surgeon payment plans, medical credit cards or personal loans. Get an all-in written quote first, including anesthesia, facility fees and follow-up care. Medical cards often use deferred interest, so a fixed-rate loan can be safer if you will need more than the promo period.
Elective procedures give you one advantage: time. You can get quotes, compare financing and save before you commit. Use it.
Get the full price in writing
Ask the practice for an all-in quote covering surgeon fees, anesthesia, the facility, supplies, garments, prescriptions and follow-up visits. Ask what a revision would cost if one is needed. Financing a number that later grows is how people end up with two loans.
Financing options
| Option | Pros | Cons |
|---|---|---|
| Practice payment plan | Simple, sometimes interest-free | Often short terms or large deposits |
| Medical credit card | Promotional periods | Deferred interest if not paid in time |
| Personal loan | Fixed APR and payment, any provider | APR depends on credit |
| Savings plus a small loan | Least interest | Waiting to schedule |
The CFPB explains that medical credit cards are often signed up for at the provider's office and that interest is often deferred. If a balance remains when the promo ends, you may owe significant interest and fees.
What a cosmetic surgery loan costs
Here is what borrowing $8,000 over 48 months costs at three APRs across the 5.99% to 35.99% range offered on our network.
| APR | Monthly payment | Total interest | Total repaid |
|---|---|---|---|
| 5.99% | $187.84 | about $1,016 | about $9,016 |
| 15.99% | $226.68 | about $2,881 | about $10,881 |
| 35.99% | $316.57 | about $7,196 | about $15,196 |
Red flags
- Pressure to sign financing the same day as the consultation.
- Quotes that leave out anesthesia or facility fees.
- A "no interest" plan where no one can tell you what happens if the balance is not paid in full.
For treatment insurance might cover, see medical loans.
If a fixed-rate installment loan is the right tool, use the form on this page to see whether partner lenders may have an offer, or call (800) 236-7761. You can also compare costs first with the loan payment calculator.
Examples are illustrations, not offers. Approval, APR and terms depend on the lender, your state and your credit profile.
Frequently asked questions about plastic surgery financing: options, costs and red flags
Can I finance plastic surgery with bad credit?
Some lenders and medical credit programs approve lower scores, usually at higher APRs. Compare the total cost and consider saving for part of the procedure to borrow less.
Is a medical credit card a good way to pay for cosmetic surgery?
Only if you can pay the full balance before the promotional period ends. The CFPB warns that deferred interest can add significant interest and fees if a balance remains.
What costs should the quote include?
Ask for surgeon fees, anesthesia, facility or hospital fees, implants or supplies, garments, medications and follow-up visits, and what happens if a revision is needed.
Sources
- CFPB: What should I know about medical credit cards and payment plans for medical bills? (accessed 2026-10-09)
- CFPB: I got a credit card promising no interest for a purchase if I pay in full within 12 months. How does this work? (accessed 2026-10-09)
- CFPB: What is the difference between a loan interest rate and the APR? (accessed 2026-10-09)
Last updated 2026-10-09. How we research and update pages.