Cosmetic Surgery Financing: Bad Credit Considered!

How does cosmetic surgery financing work?

A cosmetic surgery loan is when you borrow an agreed amount of money from a lender, and repay the outstanding debt and accrued interest, via monthly instalments. Upon approval, the money is transferred directly into your account and is used to spread the cost of cosmetic surgery into affordable monthly payments.

Can you get cosmetic surgery on finance?

Yes, you can get cosmetic surgery on finance. Loans for cosmetic surgery can be used to cover liposuction, breast enlargement, facelifts, botox, tummy tucks, nose jobs, and many more procedures. By using a cosmetic surgery loan, you can spread the upfront cost of these treatments from 1 – 60 months.

What credit score do you need for cosmetic surgery?

You do not need a specific credit score to be eligible for cosmetic surgery financing. Although lenders perform a credit check, they also consider other factors when assessing an application, such as the affordability of the cosmetic surgery loan. It means your credit rating isn’t the only thing they assess.

There are loan plans available which are suitable for people with good credit and for people with poor credit.

It is likely that those with bad credit will be limited to the loans that they’re accepted for and may be subject to pay higher rates of interest. Nonetheless, you can still receive cosmetic surgery financing with bad credit.

How to get plastic surgery with bad credit?

People with bad credit can apply for a cosmetic surgery loan to help afford the cost of plastic surgery. Those with bad credit may find it easier to be accepted if they consider taking out a secure or guarantor loan as lenders see these types of loan as less risky.

However, people looking to apply for unsecured cosmetic surgery loans with bad credit can still do so. These loans usually come with higher interest rates and shorter repayment periods.

Do you have to pay for cosmetic surgery upfront?

Generally, you will have to pay for cosmetic surgery upfront as it is rarely covered by the NHS. Some plastic surgery companies provide their own cosmetic financing scheme, but this may only be available to people with good credit.

Alternatively, by taking out a personal loan you can spread the cost of an upfront payment over a fixed period of months. You repay the loan and any interest accrued. This can help alleviate the burden of losing lots of money at once, making the payment much more manageable.

Those who have bad credit may want to consider going to a broker, who work with lenders who can offer a variety of loan application options for people with good and bad credit.

I am struggling with debt – what should I do?

If you’re struggling with debt, then you should not take a loan out to cover any long-standing debt. This can cause further financial problems and it is always advised to never borrow more than you can actually afford.

If you are struggling from debt there are organisations that can provide advice to you for free. This websites include:

• Money Advice Service
• Citizens Advice
• National Debtline

Why choose us for your cosmetic surgery financing?

Flexy Finance work’s with a panel of the top UK lenders, who can offer instant decision cosmetic surgery loans for anyone who needs it, even if you have bad credit. We offer personal loans from £100 – £5,000 with a flexible repayment period of 1 – 60 months.

Here at Flexy Finance, we recognise that not everybody in the UK has the luxury to afford cosmetic surgery. We also understand that not everybody has a good enough credit history to help finance it.

We also believe that you shouldn’t be limited by circumstance. As a credit broker, we work with a distinguished panel of lenders who offer a variety of cosmetic surgery loans in the UK.

• By being able to choose between £100 – £5,000 and a repayment plan ranging between 1 – 60 months, you can have a loan that is tailored to the cosmetic procedure that you want.
• Our application process is designed to be user friendly and compatible on a computer and on your phone. That way, you can apply while you’re on the go or from the comfort of your own home.
• We want what is best for you, the customer. That’s why we work with a panel of lenders who share our mindset and are driven to help you achieve your goals.

What are the benefits of cosmetic surgery financing?

Cosmetic surgery in the UK is carried out by independent organisations who often charge thousands of pounds for their services. The obvious benefit of a loan is that it can be used to pay for the procedure. However, there are many other reasons why people take out cosmetic financing:

Benefits of cosmetic surgery loans

• Affordable monthly instalments

Paying for cosmetic surgery in a lump sum can leave you without a lot of money very quickly. By spreading the cost of plastic surgery via monthly instalments, you can make the cost much more manageable.

• Pay for quality

Cosmetic surgery is a life changing decision, so should be performed by a top quality surgeon. A loan can help ensure that you can afford the very best plastic surgeon and ensure you get a safe and successful procedure.

• No need to save up

Rather than waiting for years to save up for surgery, by taking out a personal loan you can speed up the process. By reducing the saving period, it will allow you to access private cosmetic surgery procedures much more quickly.

• The loan is tailored to you

As you get to choose how much money you need and how long you need to repay it, you can choose a payment plan that suits you. This means you can tailor your loan to the specific cosmetic surgery that you need.

• Available for bad credit

Finance plans provided by cosmetic surgery organisations can be very exclusive and often require you to have a very good credit rating. In comparison, a cosmetic surgery loan is much more universal, which means you can get cosmetic surgery loans with bad credit.

• Flexible loans

The flexible nature of personal loans means that they can be used to finance many different forms of cosmetic surgery procedures. Therefore, you have greater control on how you would like to spend your loan, unlike other types of financing which can be much more restrictive.

• Variety of loans

Lenders offer a variety of loans for cosmetic surgery finance, such as secured and unsecured loans, as well as guarantor and no-guarantor loans. This can help increase your chances of being accepted for a loan if you have a bad credit score.

Uses Of Cosmetic Surgery Loans

Since it is a non-compulsory process, cosmetic surgery is not normally covered by health insurance. So, in order for you to receive your dream treatment comfortably and affordably, there are several different ways that you can receive medical financing for cosmetic surgery. Cosmetic surgery loans can be used for a variety of different surgical and nonsurgical procedures, but the most popular of treatments are detailed below.

What Surgeries Are Covered Under Cosmetic Surgery Financing?

Our cosmetic surgery loans can be used for any cosmetic surgery procedures. However, research shows that the following are the most popular in the UK:

• Breast Augmentation

Breast augmentation, also technically referred to as augmentation mammaplasty, is a surgical procedure that involves the use of breast implants or the transference of fat as a way of increasing breast size.

• Liposuction

Liposuction is more commonly known abbreviated as ‘lipo’ by a lot of people.

This process is by which some of the patient’s excess body fat is removed from different areas of their body to improve body shape and proportion.

• Nose Job

A nose job or a nose reshaping’s technical term is called a rhinoplasty. This treatment is undergone by patients who want to change the shape of their nose. This can involve reducing the size of your nose or even increasing it.

• Tummy Tuck

A tummy tuck is also known as an abdominoplasty and involves eliminating excess fat and skin from your abdomen, in aid of tightening the muscles in your abdomen.

• Facelift

The clue is in the name. A facelift is a surgery that involves the lifting of your skin or underlying muscle for the purpose of tightening the face skin and smoothing wrinkles.

Your Cosmetic Surgery Financing Options

The majority of cosmetic surgery treatments are elective, which means that you will be required to fund your treatment yourself. It’s not all bad though – due to the increasing popularity of cosmetic surgery in the UK, there are plenty of available finance options available on the market for you to choose from. So if you are wondering how to finance cosmetic surgery, below are some options for you to consider.

What is the best way to finance plastic surgery?

There are multiple ways to finance plastic surgery and ultimately it is down to the discretion of the person paying for the plastic surgery. That is why we have provided some financing options to consider if you’re looking for plastic surgery.

1. Cosmetic Surgery Loan

A cosmetic surgery loan can be a quick and flexible way to help finance plastic surgery. Application for a cosmetic surgery loan using an online lender is quick and simple and can be completed in minutes. Some of the key benefits of a cosmetic surgery loan is the fact that the money can be transferred very quickly, which can speed up the cosmetic surgery process.

2. Save up

If you’re not keen on borrowing money, then the other option is to save up and pay for the plastic surgery upfront. The benefit of this is that you don’t owe any money, which may be a preferred option for some people. However, plastic surgery is notoriously expensive, so saving up can take some time.

3. Credit Cards

You may even decide to opt for a 0% interest credit card to pay for your cosmetic surgery treatments. There are several credit cards that offer an introductory interest free period, so depending on your credit history, and your ability to get a hold of one of these cards, this may be a good option.

However, it is also important to bear in mind that this particular type of credit card will only be 0% interest for a limited amount of time, so if you are unable to repay your balance before the period ends, you are likely to face high charges.

How Do Our Loans Work?

If you are looking to receive cosmetic surgery financing with us, then you might be wondering how the application process works. We’ve made sure that applying for our loans are simple and quick so that you can receive your medical treatments without delay. If you want to receive cosmetic surgery finance apply online with our step-by-step process below.

1. Choose Your Financing Plan

You have the freedom of deciding how much you want to borrow and for how long. We want to make sure that we accommodate for everyone and their individual circumstances which is why we offer loan applications from £100-£5,000, with repayment periods of 1-60 months. So, if you want to pay smaller monthly instalments over a longer period, you can do so!

2. Fill In Our Online Form

After you have decided on your plan, you will be required to provide some details on our online form. These will be things that you should know off the top of your head so don’t worry about rummaging through old documents to find the relevant information! The following details are needed.

• Forename and surname

• The purpose of your loan

• Date of birth

• Email address

• Contact number

• Marital status

• Number of dependants

3. Receive An Instant Decision

We take customer satisfaction very seriously. This is why we made sure that you receive an instant decision on your loan. You should know whether you have been accepted or not within seconds of providing the above information! We work with a panel of some of the top UK lenders within the industry, to find the best cosmetic surgery financing for you.

4. Repay Your Loan

Now that you have been accepted for your loan, you should receive the money directly into your account within just 24 hours! After this, you will continue to pay off your loan balance in affordable and flexible monthly instalments that you have previously agreed with the lender.

Am I eligible for cosmetic surgery loans?

If you want to apply for cosmetic surgery loans with Flexy Finance, you have to meet the following requirements:

• You are a UK resident.
• You are employed and earn a minimum of £800 a month.
• You have a UK bank account and an operational debit card.
• You are 18 years old or over.

However, there are also criteria that you must qualify for if you want to receive the best cosmetic surgery financing. Whilst most cosmetic surgeries require that you are at least 18 years of age, this can vary depending on what type of treatment it is, as well as the risks involved.

If you are looking to receive medical financing for cosmetic surgery, you are likely to be an ideal candidate if you are healthy, pose small risks, and have realistic expectations. However, if you suffer from more serious health issues such as diabetes, heart disease, depression, or obesity, there could be complications.

Discussing health and lifestyle habits with your surgeon would be a good place to start. This way your surgeon can make the necessary assessments to decide whether you are fit for your particular surgery or treatment.