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.

Annie Millerbernd
Written by
Last updated on December 15, 2023
Edited by
✅ Fact checked and reviewed
Kim Lowe
Edited by
✅ Fact checked and reviewed

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Cosmetic Loans: Financing Plastic Surgery in 2024

Upgrade
Upgrade
Best for Cosmetic surgery loans
5.0
Rate discount
Est. APR
8.49-35.99%
Loan amount
$1K-$50K
Min. credit score
560
Visit Lender
on Upgrade's website
on Upgrade's website
Check Rate
on NerdWallet
on NerdWallet
View details
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
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
Lending Club
LendingClub
Best for Cosmetic surgery loans
4.5
Flexible payments
Est. APR
8.98-35.99%
Loan amount
$1K-$40K
Min. credit score
600
Check Rate
on NerdWallet
on NerdWallet
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
Lightstream
LightStream
Best for Cosmetic surgery loans
Rate discount
Est. APR
6.99-25.49%
Loan amount
$5K-$100K
Min. credit score
660
Prosper
Prosper
Best for Cosmetic surgery loans
Est. APR
8.99-35.99%
Loan amount
$2K-$50K
Min. credit score
560
Upgrade
UpgradeBest for Cosmetic surgery loans
Est. APR
8.49-35.99%
Loan amount
$1K-$50K
Min. credit score
560
Best for Cosmetic surgery loans
Rate discount
Visit Lender
on Upgrade's website
on Upgrade's website
Check Rate
on NerdWallet
on NerdWallet
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
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
LendingClubBest for Cosmetic surgery loans
Est. APR
8.98-35.99%
Loan amount
$1K-$40K
Min. credit score
600
Best for Cosmetic surgery loans
Flexible payments
Check Rate
on NerdWallet
on NerdWallet
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
LightStreamBest for Cosmetic surgery loans
Est. APR
6.99-25.49%
Loan amount
$5K-$100K
Min. credit score
660
Best for Cosmetic surgery loans
Rate discount
ProsperBest for Cosmetic surgery loans
Est. APR
8.99-35.99%
Loan amount
$2K-$50K
Min. credit score
560
Best for Cosmetic surgery loans

Our pick for

Cosmetic surgery loans

Lending Club
Check Rate
on NerdWallet
on NerdWallet
Lending Club

LendingClub

Est. APR

8.98-35.99%

Loan amount

$1,000-$40,000

Min. credit score

600

Lightstream

LightStream

Est. APR

6.99-25.49%

Loan amount

$5,000-$100,000

Min. credit score

660

Upgrade

Upgrade

Est. APR

8.49-35.99%

Loan amount

$1,000-$50,000

Min. credit score

560

Discover

Discover® Personal Loans

Est. APR

7.99-24.99%

Loan amount

$2,500-$40,000

Min. credit score

660

SoFi

SoFi Personal Loan

Est. APR

8.99-29.99%

Loan amount

$5,000-$100,000

Min. credit score

None

Prosper

Prosper

Est. APR

8.99-35.99%

Loan amount

$2,000-$50,000

Min. credit score

560

» MORE: Best medical loans

How to compare cosmetic surgery loans

Personal loans for cosmetic or plastic surgery are offered 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:

Borrower requirements. Compare different lenders to see what they require from a borrower. Some have a minimum credit score, debt-to-income ratio or income requirements.

APR. The annual percentage rate represents the entire cost of a loan, including any fees, and should be clearly disclosed by the lender. The APR is also a good way to do an apples-to-apples comparison when deciding between lenders. The loan with the lowest APR is typically the cheapest.

Monthly payment: A loan's monthly payment typically starts 30 days after receiving the loan funds. The fixed payment is based on the loan amount, APR and loan term. Look for a loan with payments that fit comfortably into your monthly budget.

At a 15% APR, a $7,655 loan paid back over three years would require monthly payments of about $265 and a total interest cost of $1,898.

Fees. Be sure you know whether your loan comes with any fees, like an origination fee, which could reduce the actual loan amount you receive, or late payment fees.

Loan features. Depending on the lender you choose, your loan may include special features like financial planning help, free credit monitoring and unemployment protection.

Pre-qualify for a plastic surgery loan

Taking the steps to pre-qualify will give you an idea of the rate and term you can get on a personal loan. Most online lenders perform a soft credit check during pre-qualification, which won’t hurt your credit score. You can prequalify and check your rate with multiple lenders online to find the best offer.

Pre-qualify with NerdWallet to compare lenders and receive personalized rates.

Alternative ways to finance cosmetic or plastic surgery

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.

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.

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.

Last updated on December 15, 2023

Methodology

NerdWallet’s review process evaluates and rates personal loan products from more than 35 technology companies and financial institutions. We collect over 50 data points from each lender 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.

To recap our selections...

NerdWallet's Cosmetic Loans: Financing Plastic Surgery in 2024

  • LendingClub: Best for Cosmetic surgery loans
  • Upstart: Best for Cosmetic surgery loans
  • LightStream: Best for Cosmetic surgery loans
  • Upgrade: Best for Cosmetic surgery loans
  • Discover® Personal Loans: Best for Cosmetic surgery loans
  • SoFi Personal Loan: Best for Cosmetic surgery loans
  • Prosper: Best for Cosmetic surgery loans
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