Best Plastic Surgery Financing for Borrowers With Bad Credit

Andrew Reyes
A person handing a plastic surgeon $100 bills.

Both invasive and non-invasive plastic surgery is expensive. Nearly all invasive surgeries cost well over $2,000, and some surgeries, such as a facelift, can cost over $7,000. Whether it’s for aesthetic or reconstructive purposes, the cost of plastic surgery is more than most can afford.

Getting a loan for plastic surgery financing is how many plastic surgery patients afford to get the procedure. This article includes the best lenders and lender portals for those looking for plastic surgery loans.

Table of Contents

Lenders That Provide Plastic Surgery Loans

Here are our top picks for the best plastic surgery financing for those with bad credit. is an easy lending portal with a vast network of lenders ready to connect with borrowers. Their application process is easy and asks for standard personal information such as the borrower’s address, bank information, Social Security number, and income.

To use, borrowers must make at least $1,000 a month after taxes and have a personal checking account. Borrowers who qualify can connect with lenders who are likely to approve a loan.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more from CashUSA today. has a large network of lenders who are prepared to work with borrowers with low credit scores. To qualify for, borrowers must have a stable monthly income and be at least 18 years old.  

Once the borrower accepts a loan from a lender, they will receive the loan within one business day. also offers expert-written articles to guide borrowers on how to take out loans, spend funds, and create payment budgets.  

  • Loan amounts: $500 to $5,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: Three years.

Learn more from BadCreditLoans today.


Payoff has a user-friendly site that offers loans to those looking to boost their credit scores. Loans through Payoff have no late payment fees and have fixed APRs instead of variable APRs.  

Payoff reduces multiple high-interest payments into a low-rate monthly payment, helping borrowers pay off debts faster, easier, and stress-free. They also use an intuitive app that allows borrowers to track their loans on their mobile devices.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff today.


Prosper has flexible terms and next-day funding for those who need loans between $2,000 and $40,000. They offer both fixed rates and variable rates with no prepayment penalties.

Over one million people have borrowed through Prosper. The process is fast and secured, with a simple application. Within moments of applying, Prosper connects borrowers with lenders ready with loans.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


OppLoans is an option for fast funding through an online application. The application is short, simple, and only asks a few questions. After approval, borrowers can receive their money in 24 hours.  

OppLoans specializes in payday loans, fast loans that propel the borrower from one payday to the next. Typically, payday loans have APRs as high as 400%; OppLoans’ payday loans have a maximum APR of 160%.

  • Loan amounts: $500 to $4,000;
  • APR: 59.00% to 160%;
  • Loan terms: Up to two years.

Learn more from OppLoans today.

OneMain Financial

OneMain Financial ensures that borrowers know every step of their loan process. They have a clearly labeled website and an intuitive payment schedule. Borrowers can take out loans between $1,500 and $20,000 with term lengths anywhere between 24 months and 60 months.

OneMain Financial’s application is short and only asks for necessary information. Borrowers will need to provide OneMain Financial with their desired loan amount, name and address, Social Security number, and monthly income details.

After applying, OneMain Financial connects borrowers with a portal of lenders who are likely to approve them.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: Two to five years.


Avant has amazing customer service ready to help you apply for loans. They have a clear process and work to improve the credit scores of their customers. In addition to loans, Avant has personal finance training on their blog to help borrowers build credit.

Most loans are available by the next business day, making for fast delivery and reliable service. Avant also has a wide range of loan options that borrowers can manage through Avant’s mobile app.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.


Upstart offers loans as low as $1,000 and as high as $50,000, ensuring that all of your loan needs are covered. After submitting a short online application, Upstart will connect borrowers with lenders offering low rates.

Borrowers can browse their options and choose a lender that fits their payment schedule. Once chosen, funds are deposited within one business day.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms:Three to five years. is a free service that encourages borrowers to review loans before accepting the funds. Once approves a loan, the borrower can expect to see the money within one business day. has competitive rates to help borrowers save money when paying back their loans. They have clear, honest rates and show the APR for each loan term on their website. For example, for a two-year loan for $8,500, the borrower can expect to pay an APR of 6.99%.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms:Three to 72 months.

Learn more from PersonalLoans today.

What Is Plastic Surgery Financing for Borrowers With Bad Credit?

Americans spent more than $16.5 billion on plastic surgery in 2018, including both invasive and minimally invasive procedures. Most plastic surgery procedures cost over $2,000, and insurance rarely covers costs unless the procedures are reconstructive or medical.  

Millions of people turn towards plastic surgery financing to pay for their medical bills. There are several options, such as a medical credit card or medical loan. However, those with bad credit scores are unlikely to be approved for either.

Another option is to take out a personal loan from an online lender. Plastic surgery patients can take out a personal loan and pay their medical bills upfront. Then, over the next several months, they pay back the loan through monthly installments.  

With a good credit score, borrowers can get personal loans with low rates. However, a borrower with a low credit score might need to pay a higher APR for their personal loan.

How Do I Get Plastic Surgery Financing if I Have Bad Credit?

Getting plastic surgery financing through a personal loan doesn’t have to be complicated, even if you have bad credit. Here are five steps you need to take to get a loan for plastic surgery:

  1. Choose a lending portal that fits your needs. Many lending portals offer different benefits, and it’s important to consider all of your options.
  2. Fill out an application with your basic personal information. Most lending portals need to know your income, address, and Social Security number to connect you with lenders.
  3. Find a lender that offers the right loan.
  4. Read the loan terms before accepting the loan.
  5. Accept the loan and receive your money within one business day.

With a lower credit score, you can expect higher APRs. Many lending portals aim to increase the credit scores of their borrowers. They report to credit bureaus monthly and build new credit.

By partnering with a lender who wants to increase your credit score, you can qualify for better rates on your next loan.

How to Find the Best Plastic Surgery Financing Provider if You Have Bad Credit

Here are three important traits of a good plastic surgery loan for bad credit:

Low APR Range

The most important aspect of a plastic surgery loan is the APR. Borrowers should avoid accepting loans with APRs higher than 36%. Instead, look for fixed loans with low APRs. Avoiding high-rate loans will help borrowers save money and pay off their debts faster.

Accepts Bad Credit

Applying to loan services that don’t accept low credit scores is exhausting for those with credit scores under 700. Lenders are more likely to reject a borrower if it seems like they come with too much risk. When you’re applying for loans, focus on lenders who accept low-credit borrowers.

Good Customer Service

Having good customer service and an intuitive interface is often overlooked, even though it is one of the most important things to look for in a lender. Working with an unresponsive or uncaring lender can be frustrating since the lender can directly impact your credit score.

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