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Can I get a plastic surgery loan if I have bad credit?

We live in a very complex and competitive world, and the amount of people willing and wanting to have plastic or cosmetic surgery is forever increasing.

Once it was a procedure only the rich and famous would do, but now, everywhere you go, you can see it is a common surgery choice. How can people afford it?

Well, research suggests most people obtain a loan because Medicare or private health insurers do not generally cover plastic and cosmetic surgery procedures.

What if you have bad credit? Can you still get a loan to finance plastic surgery in Australia?

The short answer is yes, you can, depending on how bad your credit rating is. But before you go running off to find the nearest plastic surgeon, here are some important things to consider.

1. Are you absolutely sure you want the procedure?

We really do live in a material world, so try and remove yourself from it and do some major soul searching to ensure you really want to go down this path.

Sure, we all dream of looking like a model, but do you really want to look exactly the same as everyone else? It’s not going to change your personality or what counts inside.

Having said that, if you are convinced you still want to do it for all the right reasons (not for spite, such as wanting to rub it in the face of an ex-partner) then please read on.

2. Have you done your research and understand all the dangers and risks?

This is when you (again) must ask yourself whether you are absolutely sure you want to proceed knowing that there are real risks attached with any type of surgery.

There are a lot of people out there prepared to tell their negative surgery stories, so don’t just ignore them and pretend they don’t exist, put yourself in their shoes.

3. Do you know exactly how much it will cost?

If you still want to proceed, you will need to have a consultation with a plastic surgeon and understand the total costs involved.

Confirm what is included in the fee, whether you need after surgery visits, after surgery special clothing and medications and any other financial requirements that you may be responsible for.

4. Are you sure you won’t put yourself into a worse financial position?

If you want to proceed but will need a loan to pay for it, you really must carefully consider your financial position.

You will be doing the wrong thing if you get yourself into unnecessary debt for a medical procedure that you may want, but do not actually need.

Once you know, again ask yourself if you still want to proceed. If yes, now that you are armed with the total amount you need, you will need to find a lender who can provide bad credit loans for plastic surgery.

5. Where can you find a bad credit loan for Plastic Surgery?

You can search the internet and find plenty of lenders willing to provide bad credit loans for plastic surgery. Here are a few tips to find a loan with no nasty surprises.

  • Make sure the lender is a member of reputable industry bodies such as an Ombudsman service and renowned Australian authorities.
  • Make sure they are transparent about all their fees, for example, early payout fees.
  • Make sure you feel comfortable with the repayments and they are manageable. Don’t take a loan you know you can’t repay.

So can Fair Go Finance help with plastic surgery loans even if you have bad credit?

Yes, we can lend money to people with bad credit for plastic or cosmetic surgery. If you have worked through our tips and wish to go ahead, you can rest assured that our loans have no nasty surprises.

Whether it’s botox, implants, liposuction or a nose reshape, we just want you to know that even though you have bad credit, we may still be able to help you finance your procedure.

If you aren’t exactly sure what has caused your bad credit rating, we recommend you get a copy of your credit report first and check our bad credit loan information. You are always welcome to contact us before you apply, if you’d like to discuss your credit report to make sure you are eligible. We’re here to help.

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Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 12 months
  • I am willing to provide my Bank Statements online
Please note: Bank statements can only be submitted via our secure online service.