10 Best Cosmetic Surgery Loans for Bad Credit in 2023

Overview — 5kFunds is a lender marketplace that we recommend if you struggle to find loans for cosmetic surgery with bad credit. For one, it partners with many lenders that work with low-credit and limited-credit borrowers. 

In most other ways, this is a typical lender marketplace — easy to use, straightforward, and accommodating. 

Only personal loans — 5kFunds only connects borrowers with lenders for precisely the purpose of personal loans, helping you find a lender that’ll be willing to provide you with a loan and serve your specific needs.

Any credit accepted — 5kFunds doesn’t place credit score limits on applications, so you can even apply for plastic surgery loans for very bad credit. But, of course, that doesn’t mean you’re guaranteed approval, and the ultimate decision will be up to the lender.

It’s good to know that the service is entirely free to use. However, whether or not you’ll have to pay an origination fee depends on the lender.

Another great perk is that 5kFunds won’t do a hard credit pull. In other words, your credit score will be left intact until you decide to accept a loan, as the lender you choose to work with will likely perform a hard credit score check before they approve your loan.

Limited customer support —  There’s one thing we didn’t really like — reaching customer support was a bit challenging. Though, by and large, 5kFunds is a reliable platform to compare and find plastic surgery financing companies.   

Overview — Like Avant, Upstart services a wide range of personal loan types. We picked it as one of the best providers of cosmetic surgery loans with bad credit, mainly due to its proprietary underwriting model. 

In a nutshell, this model makes it easier for you to qualify for a loan if you have a short credit history, as it enables lenders to evaluate you easier by using other credit signals than solely your credit score. 

It’s also a slightly better option if you’re trying to consolidate several loans, albeit falling slightly behind our top pick.

Credit decision AI — Instead of relying solely on your credit score, Upstart uses an underwriting model that includes factors like work history, college major, and over 1,000 other signals to decide what loan terms you qualify for. 

As a result, it’s extremely favorable for younger lenders and for financing plastic surgery with a low credit score.

Flexible payments — Like Avant, Upstart allows you to change the payment date an unlimited number of times. 

You can also make payments with checks and online, or you can set up automatic payments. You can even split your monthly bill into two recurring monthly payments to pay off the liposuction you’ve been desiring, or a rejuvenating brow lift. 

Expedited funding — Getting pre-qualified for cosmetic surgery financing could take you as little as a few minutes, and the company claims that 99% of borrowers receive their funds within 24 hours.

Overview — Avant is a well-known personal loan servicer that specializes in bad-credit lending. As such, it provides fast funding, flexible loan terms, and even offers secured loans. 

Additionally, it has a solid track record going back all the way to 2012. 

We think you’ll agree that this is the best place to get plastic surgery financing all but guaranteed, and for a good reason, too (as you’ll see below). 

Pre-qualify — Like most reputable lenders, Avant allows you to pre-qualify for a loan with a soft credit check. 

Mind you, the pre-qualified loan terms aren’t set in stone. Still, they’ll give you an idea of your monthly loan payments and how the loan fits into your budget for dental or breast implants. 

Flexible payment date — We like that Avant allows borrowers to change the loan repayment date at any time. It’s a feature you’ll probably use often, even if your cosmetic surgery financing fits into your monthly spending.

Expedited funding — When your application is approved, Avant will deposit funds into your account as early as the next business day.

No direct payments to creditors — The only time we wouldn’t recommend Avant is if you’re seeking plastic surgery financing for poor credit, yet you need debt consolidation. This is because the company doesn’t make direct payments to creditors on consolidated loans.

Overview — LendingTree is one of the oldest lender marketplaces — it’s been in operation since 1998. As a result, many of the top loan providers work with LendingTree. So, undoubtedly, this is one of the best plastic surgery financing options out there, regardless of your credit score.

Soft credit checks — LendingTree only makes soft credit inquiries to screen your application, so you don’t have to worry about it affecting your credit score. On the other hand, the lender you end up with might require a hard credit check. 

Highly reputable lenders — LendingTree’s long history and reputation attract some of the leading lenders in the nation. No loans from sketchy lenders here.

Huge resource library — Besides being one of the best places to find cosmetic surgery finance for bad credit or otherwise, LendingTree is also an excellent place to learn about how to achieve your financial goals.

Namely, LendingTree provides plenty of educational material in the form of articles, various calculators, and information about financial products.

Unsolicited communication — The only part about LendingTree we didn’t like is that you’ll have to agree to receiving marketing material from lenders when you apply.

While that material could lead to finding bad credit cosmetic surgery loans in some cases, sometimes it’ll be from lenders you didn’t even match with when you applied.

Overview — If you haven’t had luck applying with more exacting lenders, OneMain Financial is an excellent alternative. 

While OneMain Financial does use credit scores to set loan terms, it complements this data with other factors in its internal algorithm. In other words, it takes into consideration factors like loan purpose, state of residence, whether you’ve filed for bankruptcy, etc., to get a complete financial picture and decide whether you’re a good candidate for a loan. 

This means you’ll have better odds of receiving plastic surgery financing with bad credit or poor credit. The tradeoff is a slightly higher interest rate than some lenders. 

Credit-boosting options — OneMain Financial offers several ways to improve your odds of loan approval. 

You can choose a secured loan and even use your car as collateral. Another option is to make a co-signed or joint loan. Both co-signed and joint loans let someone close to you use their credit score to help your application.

Super-fast funds — If OneMain approves your loan application by noon, you could receive the funds the same business day. Now that’s what we call quick cash.

Otherwise, you’ll get the money by the next business day.

Expensive loans — While OneMain Financial offers almost guaranteed plastic surgery financing with bad credit, that convenience will cost you a high minimum interest rate and an origination fee. That’s certainly putting a price tag on beauty, but it is definitely worth it.

Overview — Zippyloan is a lender marketplace that specializes in helping you find fast cash even if you have a less-than-perfect credit score. It also primarily works with lenders that offer unsecured loans.

If you’re looking into plastic surgery financing for bad credit and you don’t have any collateral to put up, Zippyloan is a great place to start.

Subprime borrowers — As previously mentioned, Zippyloan is really good at matching you up with lenders that’ll fund loan applicants with poor and bad credit (hence why it can sometimes offer high interest rates).

And if you only need a small amount of money, you may even be offered a payday-type loan.

Note: payday loans can have triple-digit interest rates, so make sure you understand the terms thoroughly before committing to one. 

Small loans — Zippyloan facilitates loans up to $15,000. That’s enough for most cosmetic procedures, even facelifting. If you need advanced breast augmentation financing with bad credit, those $15,000 should cover it.

Yet, qualifying for larger loans is a little more difficult if your credit is shot. Meaning, Zippyloan is probably a better option for less complex cosmetic procedures that involve smaller dollar amounts, such as lip implants or eyelid surgery.

Short-term loans — Overall, Zippyloan is a top choice for getting plastic surgery loans for bad credit if you need a relatively small, short-term loan and you don’t have a particular lender in mind.

It can also help rebuild your credit history since most of its lending partners report credit activity.

Overview — FreedomPlus is the lending arm of Freedom Financial — a company specializing in everything from bankruptcy to mortgages. Beauty loans included, of course.

FreedomPlus also has a relatively high minimum loan amount. Accordingly, it’ll appeal to you if you need high-net-amount loans for cosmetic surgery with bad credit to finance your facelift or nose job.

Alternatively, you could also use it to consolidate other debt you may have and include financing for a less expensive cosmetic procedure. You could easily finance lip fillers, botox, and get rid of that debt you’ve had for quite a while at the same time.  

However, if you need to borrow smaller amounts, we recommend opting for lenders like 5kFunds, Zippyloan, AmOne, or LendYou.com, which offer loans as low as $100.

Very bad credit requires a loan partner — FreedomPlus is relatively lenient with its credit requirements but you’re unlikely to qualify with an extremely low credit score.

Nevertheless, FreedomPlus offers joint loan applications, so you may still qualify even if your credit score is lousy, provided that you have a loan partner with decent credit.

Retirement asset discount — Applicants with over $40,000 in a retirement fund may qualify for discounted rates with FreedomPlus. Therefore, if you’ve been diligently saving for retirement, FreedomPlus is the place to capitalize on your responsible financial practices.

Comparably slow funding — Unlike many other loan providers on our list (which provide disbursement on the same day/next business day), FreedomPlus might make you wait for your funds a little longer — one to three days. 

That’s not likely to be an issue for you if you’re getting (say) breast augmentation loans for bad credit, as this procedure requires planning a lot ahead, though it’s worth mentioning.

Overview — AmOne has been around since 1999 and is one of the most respected loan-connecting services you’ll find. 

It works with a wide range of lenders that service borrowers with all credit scores and offer loan terms of up to six years. So, this might be a good place for all those looking for lipo or breast implant financing with bad credit.

Like most companies on our list, AmOne will only perform a soft credit pull to come up with the most suitable offers for you. In other words, your credit score won’t be affected until you decide to accept a loan (when the lender will likely perform a hard credit pull).

Lastly, the company has an A+ BBB rating, so you know you’ll be working with a reputable provider that cares about its customers.

Highly respected lenders — AmOne’s solid reputation primarily results from the caliber of lenders it works with. Some top online installment loan lenders (e.g., Upstart, Marcus, FreedomPlus, Payoff, and Prosper) are all a part of AmOne’s current or past lineup of lenders.

Joint and co-signed loans — AmOne accepts joint and co-signed applications — a useful feature since you can get more favorable loan terms when your credit is higher (which will be the case if you join forces with a co-signer).

That being said, it may be better to apply for AmOne’s loans for plastic surgery with bad credit with a co-signer, even if you’d otherwise be approved, in order to get better loan conditions.

Lack of transparency — The only substantive complaint we have about AmOne is how little information it provides about the loans it facilitates. Most of the information we found was from looking at its lending partners.

Still, you’ll receive all the information about your loan once you qualify, so you don’t have to worry about signing on to something you don’t understand.

Overview — LendYou.com is another loan referral service that can connect you with loan providers that work with clients with any credit score. Hence, you could qualify for an unsecured loan even if your credit score is, well, terrible.

In addition to personal loan purveyors, LendYou.com also works with payday loan providers. 

You can read our full review of LendYou.com before you decide whether this is the right referral service for you.

OLA Accredited — We’re confident in placing LendYou.com on our list of cosmetic surgery loans for bad credit because it’s accredited by the Online Lender Alliance, which means it complies with the OLA’s best practices and code of conduct. 

No credit required — You don’t need to have a fine credit score to apply for a cosmetic loan with LendYou.com. As long as you’re over 18 years old, a US citizen, and have an income of at least $1,000 a month, you can apply for a loan and get that lip filler that’s been on your mind for a while. 

Just remember to always check the loan terms and conditions thoroughly before committing to it. 

Potential hard credit check — LendYou.com’s terms state that the lenders who review your form might perform a hard credit pull. While this isn’t likely (most providers use only a soft pull), keep in mind that this may happen (and that your application might negatively affect your credit score if it does). 

This is why most cosmetic surgery loans for bad credit reviews state you should be reasonably sure the lender will approve you before applying. 

Overview — Jora Credit is what we’d call an emergency option suitable for those situations where you need funding fast and don’t care what it costs. 

It charges a relatively high APR on its installment loans and only offers loans of up to $4,000 (first-time applicants can qualify for loans up to $2,600).

Nevertheless, if you need dental implants financing with bad credit or some other minor procedure that simply can’t wait, Jora can be a real lifesaver.

No fees — Unlike many lenders of its type, Jora doesn’t charge any fees on its loans. So you don’t have to worry about prepayment fees, late fees, or origination fees.

And that’s an outstanding feature because we recommend paying off Jora’s loans as soon as you can.

A-rated — Despite not being accredited by the BBB, Jora currently has an A+ rating on the platform. 

We also rate it highly on its complete transparency of fees and interest rates. There’s even a loan calculator that’ll show you exactly how much your loan would cost under the conditions Jora offers.

Overall, Jora Credit can be a suitable choice for those who need guaranteed financing for plastic surgery and need money in a hurry. Jora doesn’t engage in deceptive practices, and the only major complaint we have is that it isn’t available in all states.