Cosmetic Loans: Financing Plastic Surgery in 2024

Loans are one way — but not the only way — to pay for plastic surgery. Compare loans for cosmetic work or plastic surgery, as well as other options for financing your procedure.

Last updated on December 15, 2023
Written by 
Annie Millerbernd
Assistant Assigning Editor
Kim Lowe
Edited by 
Kim Lowe
Lead Assigning Editor
Fact Checked
Annie Millerbernd
Written by 
Assistant Assigning Editor
Kim Lowe
Edited by 
Kim Lowe
Lead Assigning Editor
Fact Checked

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SoFi Personal Loan
SoFi Personal Loan
SoFi Personal Loan
5.0
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SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.

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Cosmetic Loans: Financing Plastic Surgery in 2024

Lending Club
LendingClub
Best for Cosmetic surgery loans
4.5
Flexible payments
Est. APR

9.06-35.99%

Loan amount

$1K-$40K

Min. credit score

600

Check Rate
on NerdWallet
on NerdWallet
Key Facts:

LendingClub personal loans are a solid option for good-credit borrowers looking to consolidate debt and build their credit.

Qualifications:
  • Minimum credit score: 600; average borrower score is above 700.
  • Minimum income: None; lender requires proof of income. Borrower average is $100,000 per year.
  • Maximum DTI: 40%.
  • Minimum credit history: 36 months and two accounts.
Available Term Lengths:2 to 6 years
Fees:
  • Origination fee: 3% to 8%.
  • Late fee: 5% of payment or $15 after 15-day grace period.
  • Insufficient funds: $15.
Upstart
Upstart
Best for Cosmetic surgery loans
Fast funding
Flexible payments
Est. APR

7.80-35.99%

Loan amount

$1K-$50K

Min. credit score

None

Visit Lender
on Upstart's website
on Upstart's website
Check Rate
on NerdWallet
on NerdWallet
Key Facts:

Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid choice for financing large purchases.

Qualifications:
  • Must be a U.S. citizen or permanent resident living in the U.S.
  • Must be at least 18 years old in most states.
  • Must have a valid email address and Social Security number.
  • Must have a full- or part-time job, a full-time job offer starting within six months or another source of regular income.
  • Must have a personal bank account at a U.S. financial institution with a routing number.
  • No bankruptcies in the last 12 months.
  • No current delinquent accounts on your credit reports.
  • Fewer than six hard inquiries on your credit report in the last six months, excluding student, auto and mortgage loans.
  • Minimum credit score: None.
  • Minimum annual income: $12,000.
Available Term Lengths:3 to 7 years
Fees:
  • Origination: 0% to 12%.
  • Late fee: 5% of the unpaid amount or $15, whichever is greater.
  • Insufficient funds fee: $15.
Lightstream
LightStream
Best for Cosmetic surgery loans
Rate discount
Est. APR

6.99-25.29%

Loan amount

$5K-$100K

Min. credit score

660

Key Facts:

LightStream is a solid option for good-credit borrowers, with no fees and low rates that vary based on loan purpose.

Qualifications:
  • Minimum credit score: 660, but can vary depending on the loan purpose and amount.
  • Maximum debt-to-income ratio: 50%.
  • Minimum credit history: 3 years.
  • Income sources accepted: Employment, retirement, rental income, alimony, child support, Social Security payments and disability benefits.
  • Must be a U.S. citizen or permanent resident who is at least 18 years old and has a U.S. bank account.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: None.
  • Late fee: None.
Upgrade
Upgrade
Best for Cosmetic surgery loans
Rate discount
Est. APR

9.99-35.99%

Loan amount

$1K-$50K

Min. credit score

580

Key Facts:

Upgrade personal loans come with multiple rate discounts and offer direct payment to creditors. This lender has a low minimum credit score requirement, making the perks stand out even more.

Qualifications:
  • Minimum credit score: 580.
  • Minimum number of accounts on credit history: One account.
  • Maximum debt-to-income ratio: 75%, including mortgage payments.
  • Minimum length of credit history: Two years.
  • Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security, disability benefits and other sources.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: 1.85% to 9.99%.
  • Late Fee: $10.
  • Failed payment fee: $10.
Discover
Discover® Personal Loans
Best for Cosmetic surgery loans
Fast funding
Est. APR

7.99-24.99%

Loan amount

$2.5K-$40K

Min. credit score

660

Key Facts:

With competitive rates and no origination fees, Discover personal loans are good options for borrowers with good and excellent credit.

Qualifications:
  • Minimum credit score: 660.
  • Minimum annual household income: $25,000. Income can come from employment, retirement, alimony, child support, Social Security payments and disability benefits.
  • Must provide a valid U.S. address and email address.
  • Must be 18 years old with a valid Social Security number.
Available Term Lengths:3 to 7 years
Fees:
  • Origination fee: None.
  • Late fee: $39.
SoFi
SoFi Personal Loan
Best for Cosmetic surgery loans
Rate discount
Est. APR

8.99-29.99%

Loan amount

$5K-$100K

Min. credit score

None

Key Facts:

Qualified borrowers will find few lenders better than SoFi, thanks to thoughtful perks like unemployment protection and free financial advising.

Qualifications:
  • Must be at least 18 years old in most states.
  • Must be a U.S. citizen, permanent or non-permanent resident, including DACA recipients and asylum seekers.
  • Must be employed, have sufficient income from another source, or have an offer of employment to start within the next 90 days.
  • Acceptable income sources: Employment, spouse’s income, retirement, alimony, child support, Social Security payments and disability benefits.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: 0% to 7%.
  • Late fee: None.
Prosper
Prosper
Best for Cosmetic surgery loans
Est. APR

8.99-35.99%

Loan amount

$2K-$50K

Min. credit score

560

Key Facts:

Prosper accepts borrowers across the credit spectrum and offers competitive rates and fees, plus instant approval.

Qualifications:
  • Minimum credit score: 560; borrower average is 705.
  • Minimum income: No minimum requirement; borrower average is $131,000.
  • Maximum debt-to-income ratio: 50% (excluding mortgage); borrower average is 41.6% (including mortgage).
  • Must be at least 18 years old.
  • Must provide Social Security number and a U.S. bank account.
Available Term Lengths:2 to 5 years
Fees:
  • Origination fee: 1% to 9.99%.
  • Late fee: The greater of $15 or 5% of the unpaid amount.
  • Insufficient funds fee: $15.
  • Mailed-in payment fee: $5.
Lending Club
LendingClubBest for Cosmetic surgery loans
Est. APR
9.06-35.99%
Loan amount
$1K-$40K
Min. credit score
600
Best for Cosmetic surgery loans
Flexible payments
Check Rate
on NerdWallet
on NerdWallet
Key Facts:

LendingClub personal loans are a solid option for good-credit borrowers looking to consolidate debt and build their credit.

Qualifications:
  • Minimum credit score: 600; average borrower score is above 700.
  • Minimum income: None; lender requires proof of income. Borrower average is $100,000 per year.
  • Maximum DTI: 40%.
  • Minimum credit history: 36 months and two accounts.
Available Term Lengths:2 to 6 years
Fees:
  • Origination fee: 3% to 8%.
  • Late fee: 5% of payment or $15 after 15-day grace period.
  • Insufficient funds: $15.
Upstart
UpstartBest for Cosmetic surgery loans
Est. APR
7.80-35.99%
Loan amount
$1K-$50K
Min. credit score
None
Best for Cosmetic surgery loans
Fast funding
Flexible payments
Visit Lender
on Upstart's website
on Upstart's website
Check Rate
on NerdWallet
on NerdWallet
Key Facts:

Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid choice for financing large purchases.

Qualifications:
  • Must be a U.S. citizen or permanent resident living in the U.S.
  • Must be at least 18 years old in most states.
  • Must have a valid email address and Social Security number.
  • Must have a full- or part-time job, a full-time job offer starting within six months or another source of regular income.
  • Must have a personal bank account at a U.S. financial institution with a routing number.
  • No bankruptcies in the last 12 months.
  • No current delinquent accounts on your credit reports.
  • Fewer than six hard inquiries on your credit report in the last six months, excluding student, auto and mortgage loans.
  • Minimum credit score: None.
  • Minimum annual income: $12,000.
Available Term Lengths:3 to 7 years
Fees:
  • Origination: 0% to 12%.
  • Late fee: 5% of the unpaid amount or $15, whichever is greater.
  • Insufficient funds fee: $15.
Lightstream
LightStreamBest for Cosmetic surgery loans
Est. APR
6.99-25.29%
Loan amount
$5K-$100K
Min. credit score
660
Best for Cosmetic surgery loans
Rate discount
Key Facts:

LightStream is a solid option for good-credit borrowers, with no fees and low rates that vary based on loan purpose.

Qualifications:
  • Minimum credit score: 660, but can vary depending on the loan purpose and amount.
  • Maximum debt-to-income ratio: 50%.
  • Minimum credit history: 3 years.
  • Income sources accepted: Employment, retirement, rental income, alimony, child support, Social Security payments and disability benefits.
  • Must be a U.S. citizen or permanent resident who is at least 18 years old and has a U.S. bank account.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: None.
  • Late fee: None.
Upgrade
UpgradeBest for Cosmetic surgery loans
Est. APR
9.99-35.99%
Loan amount
$1K-$50K
Min. credit score
580
Best for Cosmetic surgery loans
Rate discount
Key Facts:

Upgrade personal loans come with multiple rate discounts and offer direct payment to creditors. This lender has a low minimum credit score requirement, making the perks stand out even more.

Qualifications:
  • Minimum credit score: 580.
  • Minimum number of accounts on credit history: One account.
  • Maximum debt-to-income ratio: 75%, including mortgage payments.
  • Minimum length of credit history: Two years.
  • Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security, disability benefits and other sources.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: 1.85% to 9.99%.
  • Late Fee: $10.
  • Failed payment fee: $10.
Discover
Discover® Personal LoansBest for Cosmetic surgery loans
Est. APR
7.99-24.99%
Loan amount
$2.5K-$40K
Min. credit score
660
Best for Cosmetic surgery loans
Fast funding
Key Facts:

With competitive rates and no origination fees, Discover personal loans are good options for borrowers with good and excellent credit.

Qualifications:
  • Minimum credit score: 660.
  • Minimum annual household income: $25,000. Income can come from employment, retirement, alimony, child support, Social Security payments and disability benefits.
  • Must provide a valid U.S. address and email address.
  • Must be 18 years old with a valid Social Security number.
Available Term Lengths:3 to 7 years
Fees:
  • Origination fee: None.
  • Late fee: $39.
SoFi
SoFi Personal LoanBest for Cosmetic surgery loans
Est. APR
8.99-29.99%
Loan amount
$5K-$100K
Min. credit score
None
Best for Cosmetic surgery loans
Rate discount
Key Facts:

Qualified borrowers will find few lenders better than SoFi, thanks to thoughtful perks like unemployment protection and free financial advising.

Qualifications:
  • Must be at least 18 years old in most states.
  • Must be a U.S. citizen, permanent or non-permanent resident, including DACA recipients and asylum seekers.
  • Must be employed, have sufficient income from another source, or have an offer of employment to start within the next 90 days.
  • Acceptable income sources: Employment, spouse’s income, retirement, alimony, child support, Social Security payments and disability benefits.
Available Term Lengths:2 to 7 years
Fees:
  • Origination fee: 0% to 7%.
  • Late fee: None.
Prosper
ProsperBest for Cosmetic surgery loans
Est. APR
8.99-35.99%
Loan amount
$2K-$50K
Min. credit score
560
Best for Cosmetic surgery loans
Key Facts:

Prosper accepts borrowers across the credit spectrum and offers competitive rates and fees, plus instant approval.

Qualifications:
  • Minimum credit score: 560; borrower average is 705.
  • Minimum income: No minimum requirement; borrower average is $131,000.
  • Maximum debt-to-income ratio: 50% (excluding mortgage); borrower average is 41.6% (including mortgage).
  • Must be at least 18 years old.
  • Must provide Social Security number and a U.S. bank account.
Available Term Lengths:2 to 5 years
Fees:
  • Origination fee: 1% to 9.99%.
  • Late fee: The greater of $15 or 5% of the unpaid amount.
  • Insufficient funds fee: $15.
  • Mailed-in payment fee: $5.

Our pick for

Cosmetic surgery loans

Lending Club
Check Rate
on NerdWallet
on NerdWallet
View details
Lending Club

LendingClub

Est. APR

9.06-35.99%

Loan amount

$1,000-$40,000

Min. credit score

600

Lightstream

LightStream

Est. APR

6.99-25.29%

Loan amount

$5,000-$100,000

Min. credit score

660

Upgrade

Upgrade

Est. APR

9.99-35.99%

Loan amount

$1,000-$50,000

Min. credit score

580

Discover

Discover® Personal Loans

Est. APR

7.99-24.99%

Loan amount

$2,500-$40,000

Min. credit score

660