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.
Checking rates is free and won't impact your credit score.
A plastic surgery loan is a personal loan you use to pay for cosmetic procedures, including surgery. If approved, you'll receive a lump sum of money from a bank or online lender and repay the loan plus interest in fixed monthly installments, typically over two to seven years.
Most plastic surgery loans are unsecured loans, meaning you don’t need to put down collateral. Approval is usually based on your credit score, income and debts.
You can use plastic surgery loans for many types of procedures, including liposuction, breast augmentation or reduction, rhinoplasty or facelifts.
Best for overall plastic surgery loan
2026 NerdWallet award winner
6.49 - 24.89%
$5K - $100K
660
2 to 7 years
Best for co-borrowers
2026 NerdWallet award winner
6.53 - 35.99%
$1K - $60K
600
2 to 7 years
Best for large loan amounts
2026 NerdWallet award winner
8.74 - 35.49%
$5K - $100K
None
2 to 7 years
Best for fair to good credit
2026 NerdWallet award winner
6.70 - 35.99%
$1K - $75K
None
3 to 5 years
Best for fast funding
7.99 - 24.99%
$2.5K - $40K
660
3 to 7 years
Our team of consumer lending experts follows an objective and robust methodology to rate lenders and pick the best.
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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.
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Each lender is evaluated across five weighted categories and 27 subcategories, covering affordability, eligibility, consumer experience, flexibility, and application process.
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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.
We evaluate more categories than competitors and carefully weigh how each factor impacts your experience.
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.
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We considered multiple factors when choosing the best plastic surgery loans, including lender requirements, loan amounts and funding time. Our list features lenders that accept different credit bands, offer loan amounts that cover common procedures and fund loans quickly.
What to know about LightStream: LightStream’s starting annual percentage rates are lower than other lenders, but it requires a 660 credit score for personal loans. If you qualify, the low APR makes your cosmetic loan more affordable and easier to repay.
LightStream's smallest loan is $5,000, so if your procedure costs less and you need a smaller loan, keep reading.
What to know about LendingClub: LendingClub's loans start at $1,000, and it offers joint cosmetic loans that let you add a 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.
One drawback to LendingClub is it may charge an origination fee that adds to the cost of your loan.
🤓 Nerdy Tip
You’ll see that many lenders charge origination fees, which can be up to 10% of the loan amount and are typically taken from the loan proceeds. Say you get a $20,000 loan with a 5% origination fee. That 5% — or $1,000 — would be deducted from your loan and leave you with $19,000. And while you receive the lesser amount, you must still repay the higher amount.
What to know about SoFi: SoFi also offers a wide range of amounts — from $5,000 to $100,000 — making it especially flexible for borrowers who may need a larger amount to cover their procedure. SoFi also offers joint loans.
SoFi says its origination fee is optional, but could be up to 7% of the loan amount.
What to know about Upstart: If you’re worried about qualifying for a loan, Upstart may be a good place to start. It considers applicants with thin credit histories or no credit score and uses alternative data (like education and work experience) to help you qualify.
Note that Upstart doesn't offer features other lenders have, like rate discounts or joint loan options. And its origination fee may be up to 12% — the highest among lenders we review.
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.
Discover's starting rate runs slightly higher than other lenders, plus there's no way to get a discounted rate.
Personal loans for cosmetic or plastic surgery are available from online lenders, banks and credit unions. Each lender has different approval requirements and loan features. It's best to compare multiple loan offers and consider the following:
» MORE: Best medical loans
Use our calculator to see what your monthly payment might be based on the loan amount, APR and term. You can plug in different amounts to see how the monthly payment and total cost change.
Estimated monthly payment
$309.92
Total interest over 3 years
$1,156.95
Total loan payment
$11,156.95
Loan amount
$10,000
Interest rate
7.25%
Loan term (years)
3
» MORE: How to get a personal loan in 7 steps
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.
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. NerdWallet recommends saving up for most discretionary expenses, including non-essential cosmetic surgery.
Some providers offer in-house financing, while others partner with a third-party company. Many third-party companies offer temporary 0% interest, but read the agreement carefully. You could be charged retroactive interest if you don’t repay the full balance before the promo period ends.
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.
» MORE: What to know about the CareCredit card
Like a medical credit card, a 0% interest credit card requires that you repay the money you borrow before the promotional period expires to avoid high interest charges. However, unlike with CareCredit and some other medical credit cards, you’ll only be charged interest on the remaining amount if you don’t pay the full balance before the interest-free window ends. These cards typically require good to excellent credit (credit score in the mid-600s or higher) to qualify.
Most lenders consider your credit score, income and debts in determining whether to approve you for a plastic surgery loan. It can be hard to qualify for the best rates if you don’t have good or excellent credit, though you may qualify for a loan through a lender that has flexible credit requirements.
Yes, you can pay for plastic surgery in installments with a personal loan or medical payment plan. Personal loan terms are typically monthly payments for two to seven years.
Some lenders require good or excellent credit (a credit score in the mid-600s or higher), while others accept applicants with fair or bad credit (credit score in the low-600s or lower) or a thin credit file. Research lenders’ requirements before you apply.
