At Fair Go, we’ll ensure you get the right loan – at the right rate, over the right term – so you don’tstress or lose any sleep. After all, you don’t want a cosmetic surgery loan that gives you wrinkles.
As one Australia’s largest non-bank personal loan lenders, we’re as responsible as we are flexible.
We’ll ensure you can afford your cosmetic or plastic surgery loan. We’ll minimise the cost of your loan, with personalised rates that recognise your credit history. And we’ll even reward your loyalty with rate and fee discounts.
|Loan Amounts||$300 – $2,000||$2,050 – $5,000||$5,050 – $10,000|
|Average Term||1 – 12 months||6 – 24 months||9 – 36 months|
|Typical Establishment Fee||$0 – $400||$394 – $771||$536 – $662|
|Monthly Fee||$0 – $80||$9||$10|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%||15.92% – 19.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%||21.65% – 26.55%|
|Average Term||6 months||12 months||17 momnths|
|Repayment Per Week||$61||$76||$100|
|Interest Rate Per Annum (APR)||N/A||24.24%||18.59%|
|Comparison Rate||73.06% 1||50.50% 2||24.49% 3|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 6 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
There are no restictions on our cosmetic surgery loans. In fact, we offer medical loans for any medical, elective or plastic surgery procedure, as well as general health and non-surgical treatments. If it’s important to you and your wellbeing, we can help you find the right loan.
People take out cosmetic or plastic surgery loans for a range of reasons, such as:
You can borrow up to $10,000 for cosmetic or plastic surgery, depending on your credit score and individual assessment.
We’re here to help you secure the loan you need, but we do it the right way, ensuring your loan is structured to suit you and that you can afford the repayments.
It depends on a number of factors, including the cause of your bad credit rating. There may be a limit on how much we can lend to you for your procedure.
But whatever your credit score, we’ll assess your application openly with you and do everything we can to help you secure a suitable loan.
You can apply online in a matter of minutes – that’s the easiest way to find out if we can arrange a cosmetic surgery loan for you. Or if you’d like to find out more, check out our Can I get a plastic surgery loan if I have bad credit? blog post for some tips on what you need to consider.
While you can use your credit card, it might not be the best option. Many cosmetic procedures have a significant price tag, so you could end up paying a lot of interest if you use your credit card.
You need to be honest with yourself. If you’ll struggle to pay off your credit card bill within a month, then you’ll end up paying interest on the balance on your card. Every month that goes by, you’ll be paying interest on your balance. And interest on the interest you’ve been charged.
It’s a slippery slope. Many people get caught out and end up paying the minimum amount every month. It can take years – and thousands of dollars in interest – before the debt is cleared.
On the other hand, with a responsibly structured cosmetic surgery loan – a loan that we’ve set up to suit you and your financial situation – you can minimise the interest you will pay and break the repayments down into manageable chunks.
No nasty surprises. No unnecessary interest or financial stress.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.