Important disclosure

Cosmetic Surgery Loans

Cosmetic surgery can be expensive, but there’s a way to pay for it without butchering your budget. Find cosmetic surgery loans from various Aussie lenders, estimate repayments, and compare features to decide which option best suits your needs.

Compare cosmetic surgery loans

Loan Amount

$10,000

Term

3 months

OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.
Plenti

Plenti - Personal Loan - Average Credit

EST Monthly Repayment
EST Monthly Repayment
18.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Cosmetic surgery loans – Finance your self-care & improvements

Australia’s recent boom in cosmetic surgeries has led the industry over the billion-dollar mark. Hailed as the secret fountain of youth for many celebrities, cosmetic surgery is no longer the hush-hush topic it once was. An increasing number of ordinary Aussies are, therefore, subjecting themselves to a skilled surgeon’s nips and tucks, whether it’s by choice or medically necessary.

Since these procedures often come with a price tag worth thousands of dollars, more and more Aussies also find themselves in need of viable financing options. If you need extra cash to pay for your procedure, getting a personal loan for cosmetic surgery can help get things done.

How can a personal loan for cosmetic surgery help me?

A cosmetic surgery personal loan provides the funds you need to go under the knife. Given that the cost of such procedures is steep at best and prohibitive at worst, getting credit may be necessary. The funds you receive can help pay for:

  • Cosmetic surgery. This includes any elective procedures that improve a person’s appearance but are not medically necessary. In Australia, popular cosmetic procedures include anti-wrinkle injections, breast augmentation and reduction, liposuction, and eyelid surgery.
  • Plastic or reconstructive surgery. Although most people use plastic surgery and cosmetic surgery interchangeably, there’s a distinct difference between the two. Plastic surgery includes restorative procedures such as the repair of birth defects and injuries resulting from trauma or medical conditions.

It’s common for health insurance to cover medically necessary procedures. But you’ll have to spring for the funds if the procedure is not covered. If you take out a cosmetic surgery loan, you can use the funds not only for the procedure but for other related and unrelated expenses. For instance, you might need extra cash to pay for your regular bills when you take time off to recover.

How do cosmetic surgery loans work?

Cosmetic surgery loans have all the features of other types of personal loans, such as wedding loans, holiday loans, and home improvement loans. Generally, personal loan money can be used for most legitimate purposes, so it’s up to you to decide whether you want to pay for a nose job or a car.

Personal loan credit providers include banks, credit unions, online lenders, and P2P lenders. There are also specialist lenders that provide medical loans for cosmetic surgery, dental treatment, IVF, and other medical procedures.

Typically, cosmetic surgery loans can be split into:

  • Secured/Unsecured. The difference lies in whether you put up an asset as security for your loan. If the debt is secured, it comes with a lower rate. But you may lose your car, home, or property if you default. Alternatively, you could opt for an unsecured personal loan at a higher interest rate that offsets the lender’s risk.
  • Fixed rate/Variable rate. The interest rate type you choose depends on whether you prefer a stable budget or the opportunity to save should rates fall. A fixed rate stays the same, so you always know what you’ll pay. A variable rate, however, can rise (you pay more) or fall (you save). Additionally, variable rates tend to be lower than fixed interest rates.

Pros of cosmetic surgery personal loans

  • It splits the cost of your surgery into smaller installments, which you can pay off at a later date.
  • Most personal loans are unsecured, so you won’t need collateral to apply.
  • You can tailor the loan to your situation and needs since a wide range of features and options are available.

Cons of cosmetic surgery personal loans

  • Fees and charges increase the total cost of your surgery. If borrowing costs are too high, financing might not be a cost-effective solution.
  • A secured loan puts your assets at risk, while an unsecured loan comes with higher interest rates.
  • If you borrow more than you can afford, you could end up paying more to cover late repayment fees. This can also affect your credit score.

How do I choose the best cosmetic surgery loan in Australia?

Searching for the best cosmetic surgeon in town isn’t the only shopping you’ll do if you’re financing your procedure. You’ll also need to research and compare cosmetic surgery loans before settling on the best option for you. Key points to consider include:

  • Borrowing costs. As already mentioned, cosmetic surgery can be costly. If you’re adding the cost of credit on there, it should ideally be the lowest you can find. Start with the headline interest rate and then check fees and charges. These include upfront application and establishment fees plus ongoing monthly charges. If you see the comparison rate, it represents the overall cost of the loan, including interest. Our cosmetic surgery loan calculator can also help you choose affordable repayments for easy management of your debt.
  • Restrictions. Some lenders have restrictions on what you can use the money for, how much you can borrow, and the length of your loan term. Others may not allow you to make extra repayments if you decide you want an early exit. Make sure these restrictions don’t clash with your financial objectives.
  • Additional features. Personal loans may come with attractive features such as discounts, redraw facilities, and no extra repayment fees. Some lenders allow you to choose a repayment schedule that suits you, so these features are worth noting down.

Cosmetic surgery loans – Frequently asked questions

How do I apply for a cosmetic surgery loan online?

Compare cosmetic surgery loans in the product table above, then click “Go to Site.” You can fill out the application form on your chosen lender’s website if you qualify. Generally, that means you must be at least 18 years and a permanent resident with a stable income.

Are there any alternative finance options besides personal loans?

You could also try 0% credit cards, medical credit cards, or check if your cosmetic surgeon offers payment plans.

Can I apply for a cosmetic surgery loan if I have bad credit?

In some cases, yes, but it’s harder to do so. Personal loans for bad credit often have higher rates, which makes your procedure even more expensive.

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