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10 Best Cosmetic Surgery Loans for Bad Credit in 2023

  • November 16, 2022
  • Bojana Petkovic
Best Cosmetic Surgery Loans for Bad Credit

Unfortunately, insurance companies rarely cover what they call “elective” cosmetic procedures. And, if your credit is considered poor, that often leaves little option other than to find cosmetic surgery loans for bad credit. 

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

  • The credit score required
  • APR ranges
  • The amount of money they offer

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

Top Cosmetic Surgery Financing Options (Highlights)

We may earn a commission on sales made from partner links on this page. This doesn’t affect our research and evaluation process. Read our full Affiliate Disclosure.

1. 5kFunds

1. 5kFunds Bad Credit Wedding Loans- 5kFunds

Key Features

  • No credit score requirement
  • No hard credit pulls
  • Quick and easy application
  • Loan terms as short as 61 days
  • Free application service
star 10
5.99%–35.99% APR Read Review
Visit Site

2. Upstart

2. Upstart Upstart Logo

Key Features

  • Unique credit decision model
  • Soft pull pre-qualification
  • Good for loan consolidation
  • 24-hour funding for most loans
  • Allows payment date changes
star 9.9
5.6%–35.99% APR Read Review
Visit Site

3. Avant

3. Avant Cosmetic Surgery Loans Bad Credit - Avant

Key Features

  • Funding as fast as one business day
  • Soft pull pre-qualification
  • Excellent mobile app
  • Unlimited payment date changes
  • No prepayment penalty
star 9.7
9.95%–35.99% APR Read Review
Visit Site

4. LendingTree

4. LendingTree Cosmetic Surgery Loans Bad Credit - LendingTree

Key Features

  • Works with leading lenders
  • Soft pull pre-qualification
  • High maximum loan amount
  • 500+ lending partners
  • Simple application process
star 9.7
APR from 4.99% Read Review
Visit Site

5. OneMain Financial

5. OneMain Financial Cosmetic Surgery Loans Bad Credit - OneMain Financial

Key Features

  • All credit types accepted
  • Favorable secured loans
  • Flexible payment date
  • Excellent mobile app
  • Same-day funding possible
star 9.5
18.00%–35.99% APR Read Review
Visit Site

6. ZippyLoan

6. ZippyLoan Cosmetic Surgery Loans Bad Credit - ZippyLoan

Key Features

  • All credit types accepted
  • Favorable secured loans
  • Favorable secured loans
  • Flexible payment date
  • Exceptional mobile app
star 9.4
9.99%–35.99% APR Read Review
Visit Site

7. FreedomPlus

7. FreedomPlus Cosmetic Surgery Loans Bad Credit - FreedomPlus

Key Features

  • Retirement asset discount
  • Option to choose your payment date
  • No prepayment fees
  • Top-notch customer service
star 9.4
7.99%–29.99% APR Read Review
Visit Site

8. AmOne

8. AmOne Cosmetic Surgery Loans Bad Credit - AmOne

Key Features

  • Works with top lenders
  • Accepts all credit levels
  • Accepts joint and co-signed applications
  • A+ BBB rating
star 9.3
2.49%–35.99% APR Read Review
Visit Site

9. LendYou

9. LendYou Cosmetic Surgery Loans Bad Credit - LendYou

Key Features

  • Accepts all credit scores
  • OLA accredited
  • Payday loans available
  • Fast application process and funding
star 9.2
4.99% to 450% APR Read Review
Visit Site

10. Jora Credit

10. Jora Credit Cosmetic Surgery Loans Bad Credit - Jora Credit

Key Features

  • Accepts all credit scores
  • No fees
  • Full rate transparency
  • No minimum income required
  • A+ BBB Rating
star 9.1
99.00%–349.00% APR Read Review
Visit Site

10 Reliable Lenders for Plastic Surgery Financing

1. 5kFunds

1. 5kFunds Bad Credit Wedding Loans- 5kFunds
star 10

Key Features

  • Estimated APR: Varies according to the lender (typically 5.99%–35.99%)
  • Credit score: Any
  • Loan amount: $100–$35,000
  • Term: 61 days to 72 months
5.99%–35.99% APR
Visit Site Back To List

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.   


Pros

  • + No credit score requirement
  • + No hard credit pulls
  • + Quick and easy application
  • + Loan terms as short as 61 days
  • + Free application service

Cons

  • − Only for US citizens

2. Upstart

2. Upstart Upstart Logo
star 9.9

Key Features

  • Estimated APR: 5.6%–35.99%
  • Credit score: 580+
  • Loan amount: $1,000–$50,000
  • Term: 36 and 60 months
5.6%–35.99% APR
Visit Site Back To List

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.


Pros

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

Cons

  • − Origination fee

3. Avant

3. Avant Cosmetic Surgery Loans Bad Credit - Avant
star 9.7

Key Features

  • Estimated APR: 9.95%–35.99%
  • Credit score: 580+
  • Loan amount: $2,000–$35,000
  • Term: 12–60 months
9.95%–35.99% APR
Visit Site Back To List

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.


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

4. LendingTree

4. LendingTree Cosmetic Surgery Loans Bad Credit - LendingTree
star 9.7

Key Features

  • Estimated APR: From 4.99%
  • Credit score: 600+
  • Loan amount: $1,000–$50,000
  • Term: up to 60 months
APR from 4.99%
Visit Site Back To List

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.


Pros

  • + Works with leading lenders
  • + Soft pull pre-qualification
  • + High maximum loan amount
  • + 500+ lending partners
  • + Simple application process

Cons

  • − Unsolicited marketing material

5. OneMain Financial

5. OneMain Financial Cosmetic Surgery Loans Bad Credit - OneMain Financial
star 9.5

Key Features

  • Estimated APR: 18.00%–35.99%
  • Credit score: Any
  • Loan amount: $1,500–$20,000
  • Term: 24–60 months
18.00%–35.99% APR
Visit Site Back To List

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.


Pros

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

Cons

  • − Origination fee
  • − High APR

6. ZippyLoan

6. ZippyLoan Cosmetic Surgery Loans Bad Credit - ZippyLoan
star 9.4

Key Features

  • Estimated APR: 9.99%–35.99%
  • Credit score: Any
  • Loan amount: $100–$15,000
  • Term: 6–72 months
9.99%–35.99% APR
Visit Site Back To List

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.

 


Pros

  • + All credit types accepted
  • + Favorable secured loans
  • + Favorable secured loans
  • + Flexible payment date
  • + Exceptional mobile app

Cons

  • − Lenders may charge high APR
  • − Lenders may impose origination fees

7. FreedomPlus

7. FreedomPlus Cosmetic Surgery Loans Bad Credit - FreedomPlus
star 9.4

Key Features

  • Estimated APR: 7.99%–29.99%
  • Credit score: 620+
  • Loan amount: $5,000–$50,000
  • Term: 24–60 months
7.99%–29.99% APR
Visit Site Back To List

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.

 


Pros

  • + Retirement asset discount
  • + Option to choose your payment date
  • + No prepayment fees
  • + Top-notch customer service

Cons

  • − Only for loans over $5,000

8. AmOne

8. AmOne Cosmetic Surgery Loans Bad Credit - AmOne
star 9.3

Key Features

  • Estimated APR: 2.49%–35.99%
  • Credit score: Any
  • Loan amount: $100–$50,000
  • Term: 0–72 months
2.49%–35.99% APR
Visit Site Back To List

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.


Pros

  • + Works with top lenders
  • + Accepts all credit levels
  • + Accepts joint and co-signed applications
  • + A+ BBB rating

Cons

  • − Relative lack of transparency

9. LendYou

9. LendYou Cosmetic Surgery Loans Bad Credit - LendYou
star 9.2

Key Features

  • Estimated APR: 4.99%–450.00%
  • Credit score: Any
  • Loan amount: $100–$35,000
  • Term: Varies according to lender
4.99% to 450% APR
Visit Site Back To List

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. 


Pros

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

Cons

  • − The application may result in a hard credit pull
  • − You may get unsolicited marketing material from lenders

10. Jora Credit

10. Jora Credit Cosmetic Surgery Loans Bad Credit - Jora Credit
star 9.1

Key Features

  • Estimated APR: 99.00%–349.00%
  • Credit score: Any
  • Loan amount: $500–$4,000
  • Term: 8–30 months
99.00%–349.00% APR
Visit Site Back To List

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. 


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

 

How to Choose the Right Loan for Cosmetic Surgery

Now that we’ve covered all the best options for covering 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 needed for the procedure — pretty straightforward. 

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

For instance, if you’re after financing breast implants with bad credit, the first thing you should know is that the average cost of the procedure is around $4,500, according to the ASPS.

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

In other words, you should 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, those looking for cosmetic surgery loans with bad credit 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 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.

Note: The latest data from the Federal Reserve show that the average APR for personal loans was 10.16% in August 2022.

However, if breast implants are what you’ll finance with bad credit, chances are your APR will be above average since credit heavily impacts APR. 

We generally wouldn’t recommend getting a loan with an APR over 36% unless it’s an emergency. Most experts agree that 36% is a reasonable cap, and it’s 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. 

While some companies offer same-day funding, most of them will disburse you in one to three business days, like FreedomPlus.

Do Cosmetic Surgery Loans with No Credit Check Exist?

Yes, of course they do. However, should there be no other choice, you should go for no credit check lenders. Generally, there are very few lenders 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 only 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 score is terrible, there are still lenders that work with people in your position (e.g., Jora). 

Final Cut 

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 suitable and reputable 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.

FAQs

How can I get plastic surgery with no money?

The first thing you should do is thoroughly check your insurance policy. Some policies cover certain cosmetic procedures, such as reconstructive surgeries. Even if the policy doesn’t cover the entire procedure, you could make up for the difference with a small personal loan. 

Another alternative is using (medical) credit cards to cover the expenses of the procedure. 

Lastly, you can ask the surgical center where you intend to have the plastic surgery if it offers any kind of financing plan. 

What credit score is needed for United MedicalCredit?

United Medical Credit accepts applicants with credit scores as low as 585, but the ultimate credit score requirement depends on its lending partners’ requirements.

Do plastic surgeons take Care Credit?

You can use a CareCredit card to pay for a variety of surgical cosmetic procedures, including:

  • Breast augmentation
  • Body sculpting
  • Liposuction
  • Rhinoplasty, etc.

However, whether or not an individual surgeon accepts the CareCredit card will vary.

What credit score is needed for cosmetic surgery financing?

The credit score you’ll need will largely depend on the lender (while your chances of getting surgery financing will be greater if your credit score is better, there are personal loan providers that work with all credit levels).

The same applies to seeking financing options from the surgical center you chose — the credit score may vary significantly. 

Nevertheless, by and large, you can find cosmetic surgery loans for bad credit from many lenders. 

 

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Bojana Petkovic

Bojana is a web content manager, writer, and fitness enthusiast. Having written numerous articles about personal finances, bank loans, mortgages, letters of credit, and the status of new rising industries (cannabis in particular), it was only a matter of time before she focused all her organizational might, research capacity, as well as her impeccable writing skills, on a single project. Thus — Capital Counselor was born.

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