10 Best Cosmetic Surgery Loans for Bad Credit in 2021

Unfortunately, insurance companies rarely cover what they call “elective” cosmetic procedures. And, if your credit isn’t great, that often leaves little option other than to find cosmetic surgery loans, bad credit or not. 

So we set out to find the most favorable cosmetic surgery loans we could find, rating them based on:

• the credit score required
• APR ranges
• the amount they offer

Below is a list of our favorite picks along with comprehensive reviews.

Affiliate Disclosure

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

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

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

Pre-qualify — Avant, like most reputable lenders, 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 will 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.

All in all, it makes payments that much more accessible, and Avant doesn’t limit how many times you can change it.

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 with bad credit yet you need debt consolidation. This is because the company doesn’t make direct payments to creditors on consolidated loans.

Pros:

• Funding as fast as one business day
• Soft pull pre-qualification
• Excellent mobile app
• Unlimited payment date changes
• No prepayment penalty

Cons:

• Origination fee
• Late fees

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 it’s one of the best plastic surgery financing options regardless of your credit score.

Soft credit checks — LendingTree only makes soft credit inquiries to screen your application. Whether the lender you choose requires a hard credit check will vary, but you don’t have to worry about LendingTree affecting your credit.

Highly reputable lenders — LendingTree’s long history and reputation attract some of the leading lenders in the nation. Due to its reputation, LendingTree doesn’t offer loans from sketchy lenders.

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

Namely, it has 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 receive marketing material from lenders when you apply.

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

Pros:

• Works with leading lenders
• Soft pull pre-qualification
• High maximum loan amount
• 320+ lending partners
• Simple application process

Cons:

• Unsolicited marketing material

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

In a nutshell, its model makes it easier to qualify for a loan if you have a short credit history by using other credit signals. 

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 things like work history, college major, and over 1000 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, over the phone, online, and you can set up automatic payments. You can even split your monthly bill into two recurring monthly payments to pay off that liposuction or brow lift. 

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

Pros:

• Unique credit decision model
• Soft pull pre-qualification
• Good for loan consolidation
• 24-hour funding for most loans
• Allows payment date chances

Cons:

• No secured loans
• Origination fee

Overview — 5K Funds 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, it’s a typical lender marketplace — easy to use, straightforward, and accommodating.  

Only personal loans — 5K Funds only connects borrowers with lenders for precisely the purpose of personal loans. And it splits those applications up into small loan amount intervals.

That makes it a lot easier to find a lender that will serve your specific needs and excludes lenders with whom you’d have a low chance of approval. 

Any credit accepted — 5K Funds 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 you choose to work with.

The service is entirely free to use. Additionally, the loan’s origination fee depends on the lender.

The same goes for hard credit inquiries. Meaning, 5K Funds won’t do a hard credit pull. Instead, the lender will likely do it before approving your loan. 

Limited customer support — By and large, 5K Funds is a reliable platform to compare and find plastic surgery financing companies. The only thing that we didn’t like was how difficult it was to reach customer support, and the business has numerous complaints about the same issue.

Pros:

• Excludes lenders you won’t qualify for
• Quick and easy application
• Loan terms as short as 61 days
• No credit score requirement
• Free to use

Cons:

• Poor customer support
• Only for US citizens

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

While it does use credit scores to set loan terms, it complements that with an internal algorithm to get a complete financial picture. 

In other words, 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 offers you 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 is almost guaranteed plastic surgery financing with bad credit, that convenience will cost you a high minimum interest rate and an origination fee. Putting a price on beauty is possible in some cases.

Pros:

• All credits accepted
• Favorable secured loans
• Flexible payment date
• Excellent mobile app
• Same-day funding possible

Cons:

• Origination fee
• High APR

Overview — ZippyLoan is a lender marketplace that specializes in helping you find fast cash with less-than-perfect credit. 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, ZippyLoans is a great place to start.

Subprime borrowers — As previously mentioned, ZippyLoans is really good at matching you up with lenders that will fund loan applications with poor and bad credit — hence why it can sometimes offer high interest rates.

If you need a small amount, 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 — ZippyLoans facilitates loans up to $15,000. That’s enough for most cosmetic procedures, even facelifting. However, if you need advanced breast augmentation financing with bad credit, you may need a bigger loan amount.

Plus, qualifying for larger loans is a little more difficult if your credit is shot. Meaning, ZippyLoans 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, ZippyLoans is a top choice to finance plastic surgery loans for bad credit if you want 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.

Pros:

• All credits accepted
• Favorable secured loans
• Flexible payment date
• Exceptional mobile app
• Same-day funding possible

Cons:

• Lenders may charge high APR
• Lenders may include origination fees

Overview — FreedomPlus is the lending arm for Freedom Financial — a company specializing in everything from bankruptcy to mortgages and home equity lines of credit. 

FreedomPlus has a relatively high minimum loan amount. Accordingly, it will 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 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 some time.  

However, if you need to borrow smaller amounts, we recommend a lender like 5K Funds or ZippyLoans, which work with loans as low as $100.

Plastic surgery financing for poor credit — FreedomPlus is relatively lenient with its credit requirements. That said, you’re unlikely to qualify with an extremely low credit score.

Nevertheless, FreedomPlus offers joint loan applications, so you may still qualify with lousy credit if 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.

If you’ve been diligently saving for retirement, FreedomPlus is the place to capitalize on your responsible financial practices.

Comparably slow funding — FreedomPlus disburses funds within two days of loan approval. That’s not likely to be an issue for you if you’re getting (say) breast augmentation loans for bad credit, though it’s worth noting.

Pros:

• Retirement asset discount
• Direct pay discount
• Joint application discount
• Debt consolidation help
• Top-notch customer service

Cons:

• No autopay discount
• High minimum loan amount

Overview — AmOne has been around since 1996 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 12 years. 

And, it’s one of the only places you can apply for plastic surgery financing with no credit check. Instead, you’ll only need to provide a credit score estimate to get started.

Lastly, the company has an A+ rating with the BBB, 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 — such as SoFi, Lightstream, 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 it has favorable loan terms when your credit is higher.

It may be better to apply for loans for plastic surgery with bad credit with a co-signer even if you’d otherwise be approved, in order to get better conditions on the loan.

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.

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

Pros:

• Works with top lenders
• Accepts all credit levels
• Accepts joint and co-signed app’s
• Plastic surgery financing with no credit check
• A+ BBB rating

Cons:

• Relative lack of transparency

Overview — LendYou is another loan referral service that can connect you with lending providers for any credit score. In addition to personal loans, it works with some payday loan providers. Hence, you could qualify for an unsecured loan even if your credit score is, well, terrible. 

You can read our full review about LendYou before you decide whether it’s the right referral service for you.

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

No credit required — You don’t need to have a credit score to apply for a cosmetic loan with LendYou. As long as you’re a US citizen and have an income of at least $1,000 a month, you can apply for that tummy tuck. 

This is why most cosmetic surgery loans for bad credit reviews state you should be reasonably sure the lender will approve you before applying since the application could involve a hard credit pull. 

Potential hard credit check — LendYou’s terms state that the lenders who review your form might do a hard credit pull. It’s not likely, and most will use a soft pull. Nevertheless, keep in mind that your application might negatively affect your credit score if they do.

If you’re looking for guaranteed financing for plastic surgery, LendYou might provide it. Just remember to always check the loan terms and conditions thoroughly before committing to it.

Pros:

• Accepts all credit scores
• OLA accredited
• Fast application process and funding
• Payday loans available

Cons:

• May result in a hard credit pull
• You may get unsolicited marketing material from lenders

Overview — Jora Credit is what we would call an emergency option if 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 cannot 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’re able.

A-rated — Despite not being accredited by the BBB, Jora currently has an A-rating based on customer reviews. 

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

Overall, Jora can be a suitable choice to get cosmetic surgery loans for bad credit if you need money in a hurry. It doesn’t engage in deceptive practices, and the only major complaint we have is that it isn’t available in all states.

Pros:

• Accepts all credit scores
• No fees
• Full rate transparency
• No minimum income required
• A BBB Rating

Cons:

• High APR
• Not available in all states

Now that we have covered all the best options to cover the costs of your procedure, let’s go over some helpful tips to help you find the right one.

Just because these are all installment loans that you can likely access with bad credit doesn’t mean they’re all appropriate for your intended cosmetic procedure. Here are the things we recommend you look at first when comparing them.

How Much Money Do You Need for Plastic Surgery?

You’ll want to get a loan that can cover the amount of the procedure — pretty straightforward. 

But you should also consider additional costs that will come up afterward.

If you’re financing breast implants with bad credit, for instance, the average cost of the procedure is around $4,500, according to the ASPS.

However, that doesn’t account for necessary expenses, such as anesthesia, post-op care, and operating facilities.

In other words, get a solid quote from a reputable cosmetic surgeon before you start looking for a loan to cover the costs. That way, you’ll be confident the amount is enough to pay for the procedure and related expenses.

Repayment Period and Repayment Terms 

The general rule is that more extended repayment periods mean lower monthly payments but higher overall loan cost, and vice versa.

Ideally,cosmetic surgery loans bad credit borrowers want longer repayment periods with flexible repayment terms. 

Put differently, it’s best to get a long-term loan with no prepayment penalty and pay it off quickly. That way, you can make low monthly payments and pay the least in interest.

Annual Percentage Rate

The annual percentage rate (APR) represents how much the loan will cost you every year that it goes unpaid. For example, a $1,000 loan with a 10% APR costs $100 in interest and fees every year.

The latest data from the Federal Reserve show that the average APR for personal loans is 9.58%.

If you need a cosmetic procedure such as breast implants finance with bad credit, chances are your APR will be above average since credit heavily impacts APR. 

We would generally not recommend getting a loan with an APR over 36% unless it’s an emergency. In addition, most experts agree that 36% is a reasonable cap, and it is the legal APR cap in some states.

Speed of Disbursement

Lastly, check how fast the company can fund the loan. 

Some loan providers can take up to a week or longer to deposit the funds into your account after you’ve been approved. For online personal loans, the gold standard is funding by the following business day. 

Some companies offer funding as quickly as the same day you’re approved, but most offer one to two business days, like FreedomPlus and Avant.

Do Cosmetic Surgery Loans with No Credit Check Exist?

Should there be no other choice, you should go for no credit check lenders. There are very few lenders on our list (or generally) that offer loans without doing a credit check. The ones that do, though, charge exorbitant interest rates to make up for the risk of not checking your credit. 

Overall, we think most people probably have better options than using no-credit-check payday loans and other such options. Secured loans are often preferable as are cash advance apps if you just need a short-term loan.

If you have a limited credit history, we recommend working with lenders like Upstart, who use non-traditional underwriting models instead of just credit scores.

And if your credit is terrible, there are still options like Jora, who work with people in your position. 

Cosmetic surgeries are common these days, and most are in a relatively accessible price range as medical procedures go. 

But that doesn’t mean they’re cheap, and unsecured installment loans are a reliable way to find financing for cosmetic surgery. Above, we put together an excellent list of cosmetic surgery loans for bad credit borrowers. 

We want you to have the appearance of your dreams (and remain healthy too), so find the loan that best fits you and apply the moment you have all surgeon fees disclosed.