Want a cosmetic surgery loan with a good-looking rate?
Personalised cosmetic surgery loans for any plastic surgery or cosmetic procedure.
- Flexible. Get a loan for any type of surgery.
- Responsible. Relax, we’ve got your back.
- Simple. Apply online for up to $10,000.
All prices shown are indicative and are for new customers. For returning customers, you will be eligible for our Mates Rates Loyalty Reward benefits, which includes a 10% discount on your establishment fee. All personal loan applications are subject to approval and will be assessed separately by reference to the applicant’s individual circumstances.
All prices are indicative. Fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
All prices are indicative. Fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked cosmetic surgery loans questions
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:
- Tattoo removals
- Breast implants and reductions
- Hair transplants
- Botox treatments
- Rhinoplasty and facelifts
- Body contouring or liposuction
- Weight loss procedures
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.
You can apply for your cosmetic or plastic surgery loan online in minutes. If it’s your first loan with us, it can take 24–48 hours to assess your application and, once it’s formally accepted, transfer your funds to your bank account.
A lot depends on how quickly you can provide everything we need to assess your loan. The faster you provide the supporting documentation we need, the sooner we can process your application.
Secure a stress-free cosmetic surgery loan.
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.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Apply securely online in minutes.
So, you’re ready to go forward with your cosmetic procedure. All you need now is a loanto spread the cost of the treatment – a loan that works for you. Then we’re here to help.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.