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Best Plastic Surgery Loans in 2025
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Best Plastic Surgery Loans in 2025

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Last updated on 05/14/2025Fact Checked
Loans are one way — but not the only way — to finance plastic surgery. Compare unsecured loans for cosmetic work or plastic surgery, as well as other options for financing your procedure.
 

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Compare the best debt consolidation loans for you, in one place

Best for co-borrowers

2025 NerdWallet award winner

Est. APR

7.90 - 35.99%

Loan amount

$1K - $50K

Min. credit score

600

Loan term

2 to 6 years

Get My Rate

Our take on LendingClub

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

Best for thin credit profiles

Est. APR

6.70 - 35.99%

Loan amount

$1K - $75K

Min. credit score

None

Loan term

3 to 5 years

Get My Rate

Our take on Upstart

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 financing choice for large purchases. Read our review of Upstart

Best for low rates

2025 NerdWallet award winner

Est. APR

6.99 - 25.14%

Loan amount

$5K - $100K

Min. credit score

660

Loan term

2 to 7 years

Get My Rate

Our take on LightStream

LightStream is a solid option for good- and excellent-credit borrowers, with no fees and a promise to beat competitors’ rates. Read our review of LightStream

Best for bad credit

2025 NerdWallet award winner

Est. APR

7.99 - 35.99%

Loan amount

$1K - $50K

Min. credit score

600

Loan term

2 to 7 years

Get My Rate

Our take on Upgrade

Upgrade accepts lower credit scores than similar lenders, and it offers multiple rate discounts for its personal loans. Read our review of Upgrade

Best for large loan amounts

2025 NerdWallet award winner

Est. APR

8.99 - 35.49%

Loan amount

$5K - $100K

Min. credit score

None

Loan term

2 to 7 years

Get My Rate

Our take on SoFi Personal Loan

SoFi offers large online personal loans with consumer-friendly features for good- and excellent-credit borrowers. Read our review of SoFi Personal Loan

Best for mobile app experience

Est. APR

8.99 - 35.99%

Loan amount

$2K - $50K

Min. credit score

560

Loan term

2 to 5 years

Get My Rate

Our take on Prosper

Prosper is a peer-to-peer online lending platform that accepts borrowers across the credit spectrum. Read our review of Prosper

How we chose the best personal loans

Our team of consumer lending experts follows an objective and robust methodology to rate lenders and pick the best.

30+

Lenders reviewed

We review over 35 lenders, including major banks, top credit unions, leading digital platforms, and high interest installment lenders operating across multiple states.

25+

Categories assessed

Each lender is evaluated across five weighted categories and 27 subcategories, covering affordability, eligibility, consumer experience, flexibility, and application process.

60+

Data points analyzed

Our team tracks and reassesses hundreds of data points annually, including APR ranges, fees, credit requirements, and borrower tools, ensuring up to date, accurate comparisons.

Star rating categories

We evaluate more categories than competitors and carefully weigh how each factor impacts your experience.
Affordability

25%

We review lenders’ annual percentage rate offerings and the competitiveness of each lenders’ APR range. We also assess whether a lender charges an origination fee and any opportunity for borrowers to receive a rate discount.

Customer experience

20%

We consider the experience of the consumer trying to manage a personal loan, which means accessibility of customer service representatives, whether borrowers can choose and change their payment due date, and the ability to track their loan on a mobile app.

Underwriting and eligibility

20%

We consider the rigorousness of each lender’s underwriting practices and how widely available their loans are. This category includes whether a lender does a hard credit check before providing a loan, the range of credit profiles they accept and how many states their loans are offered in.

Loan flexibility

20%

We assess how flexible lenders can be with borrowers, including whether they offer multiple loan types, personal loan amounts and repayment term options and whether they offer direct payment to creditors on debt consolidation loans.

Application process

15%

We consider the lender’s full application process, including a borrower’s ability to preview their loan offer via pre-qualification, whether basic loan information such as APR range and repayment terms are available and easy to find online and how quickly a loan can be funded after approval.

5.0

Overall score

NerdWallet’s review process evaluates and rates personal loan products from more than 30 financial technology companies and financial institutions. We collect over 60 data points and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.
NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines.
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Best loans for plastic surgery

LightStream: Best for low rates

What to know about LightStream: LightStream’s annual percentage rates tend to be lower than other lenders, especially if you have good to excellent credit (690 credit score or higher). This makes your cosmetic loan more affordable and easier to repay.
Pros
  • No fees.
  • Rate discount for autopay.
  • Long repayment terms and large loan amounts.
  • Fast funding.
  • Rate Beat program and Experience Guarantee.
Cons
  • No option to pre-qualify.
  • No direct payment to creditors with debt consolidation loans.
  • High minimum loan amount.

SoFi: Best for large loan amounts

What to know about SoFi: SoFi loans come in a wide range of amounts – from $5,000 to $100,000 – making them especially flexible for borrowers who may need a larger amount to cover their procedure.
Pros
  • Multiple rate discounts.
  • Fast funding.
  • Large loan amounts.
  • Joint loan option.
  • Mobile app to manage loan.
Cons
  • High minimum loan amount.
  • No secured loan option.

Upstart: Best for thin credit profiles

What to know about Upstart: If you’re worried about qualifying for a plastic surgery loan, Upstart may be a good place to start. It considers applicants with thin credit histories or no credit score at all and uses alternative data (like education and work experience) to help qualify you.
Pros
  • Accepts borrowers with bad credit or thin credit histories.
  • Has a low income requirement.
  • Fast approval and funding.
  • Allows secured loans.
  • Option to change your payment date.
Cons
  • Origination fee.
  • No rate discounts.
  • No joint or co-signed loans.
  • No direct payment to creditors on debt-consolidation loans.

LendingClub: Best for co-borrowers

What to know about LendingClub: LendingClub offers joint cosmetic loans, which means you can add an additional borrower to your application. If this person has a higher credit score or income than you, it can help you get approved for the loan.
Pros
  • Joint loan option.
  • Direct payment to creditors with debt consolidation loans.
  • Option to pre-qualify with a soft credit check.
  • Option to change your payment date.
Cons
  • Origination fee.

Upgrade: Best for bad credit

What to know about Upgrade: Upgrade has a minimum credit score requirement of 580, so borrowers with fair to bad credit (669 score or lower) will likely have an easier time qualifying for a cosmetic loan, compared to other lenders.
Pros
  • Multiple rate discounts.
  • Secured and joint loans.
  • Mobile app to manage loan payments.
  • Direct payment to creditors with debt consolidation loans.
  • Long repayment terms on home improvement loans.
Cons
  • Origination fee.
  • No option to choose initial payment date.

Discover: Best for fast funding

What to know about Discover: If you need quick access to loan funds, Discover can provide same-day decisions on applications, and it can deposit the money in your account as early as the next business day.
Pros
  • No origination fee.
  • Fast funding.
  • Direct payment to creditors with debt consolidation loans.
  • Wide variety of repayment term options.
  • Available nationwide.
Cons
  • No rate discount.
  • Late fee.
  • No co-sign or joint loan option.

Prosper: Best for mobile app experience

What to know about Prosper: If you don’t have regular access to a computer or prefer a mobile app experience, Prosper lets you apply for a cosmetic loan, make payments on the loan and even keep tabs on your credit score from the Prosper mobile app.
Pros
  • Instant approval.
  • Joint loan option.
  • Hardship program for borrowers in need.
  • Mobile app to manage loan.
Cons
  • No rate discount.
  • Charges origination and late fees.
  • No direct payment to creditors with debt consolidation loans.

How to finance plastic surgery

1. Compare cosmetic loan options

Personal loans for cosmetic or plastic surgery are available from online lenders, banks and credit unions, and each type of lender has different approval requirements and loan features. It's best to compare multiple loan offers and consider the following:
  • Amounts and terms: Like other personal loans, plastic surgery loans are disbursed as a lump sum, typically $1,000 to $50,000. You’ll then repay the loan with interest over a set term, which can be two to seven years. You’ll want to make sure you choose a lender that offers the amount and term you’re looking for.
  • Borrower requirements: Another way to narrow down potential lenders is to look at their borrower requirements. Many lenders have a minimum credit score requirement, and some list a minimum income requirement. You’ll want to make sure you meet these requirements before applying. 
  • APR: The annual percentage rate is a good way to do an apples-to-apples comparison when deciding between lenders, since it represents the entire cost of a loan, including any fees. APRs may range from 6% to 36%, and the loan with the lowest APR is typically the cheapest. 
  • Monthly payment: A loan's monthly payment – which is based on the loan amount, APR and loan term – typically starts 30 days after receiving the loan funds. Look for a loan with payments that fit comfortably into your monthly budget. A personal loan calculator can help you determine a loan’s monthly payment.
  • Loan features. Depending on the lender you choose, your loan may include special features like financial planning help, free credit monitoring and hardship protection.
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Nerdy Tip

Not sure a personal loan is the best fit for you? Read about other cosmetic financing options — including payments plans, medical credit cards and medical insurance — lower down.

2. Pre-qualify with multiple lenders

Once you have a few lenders in mind, it’s best to pre-qualify before you formally submit your application.
Pre-qualification, which is when you fill out a short online application with the lender and undergo a soft credit check, will give you an idea of what rate and term you can expect on a cosmetic or plastic surgery loan.
Pre-qualifying won’t hurt your credit score, and it can help you further narrow down your options, based on what rate you qualify for with each lender. It’s usually best to choose the lender that quotes the lowest rate.

3. Apply and get approved

Once you’ve pre-qualified and decided on a lender, it’s time to apply for the loan. Most applications today can be completed online and will typically ask for personal details like your Social Security number, as well as proof of identity and income. Many online lenders can approve you the same- or next-day you apply.
Once approved, the lender will typically deposit the funds in your bank account. Some lenders offer same-day funding. You’re then free to use the money for your cosmetic procedure, but make sure you have a plan to repay the loan. Payments are due monthly, and late payments can trigger fees and hurt your credit score.

Alternative ways to finance cosmetic or plastic surgery

Medical insurance

Some procedures you might think of as cosmetic may be covered, at least in part, by your insurance if they’re medically necessary. For example, your insurer may cover reconstructive surgery after an accident or breast reconstruction after a mastectomy due to cancer. Call your insurance company and confirm coverage before proceeding with any financing options.

Savings

Like most other discretionary expenses, NerdWallet recommends saving up for elective surgery. If you build up enough savings to fund the procedure yourself, you won’t incur any debt or pay interest, making it among your least expensive options.

Payment plans

Your doctor’s office may allow you to set up a scheduled repayment plan that works with your budget and, in some cases, doesn't include interest. It’s best to call the office first and discuss all payment options before proceeding with an elective procedure.

Medical credit card

Medical credit cards offered through some medical providers can be a no-interest option for funding a procedure if you pay it back on time.
CareCredit is a popular financing option that you can use to pay for medical bills. If approved, you can get zero-interest promotional financing terms to pay for procedures that cost $200 or more. However, make sure to pay the full balance by the end of the term or you’ll be charged interest retroactively on the entire amount.

0% credit card

Like a medical credit card, a 0% interest credit card requires that you pay the loan back before the promotional period expires to avoid high interest charges. These cards typically require good to excellent credit (scores above 689) to qualify.