Cosmetic Surgery Loans Up To $10,000 – Apply Online Now

Cosmetic surgery loans may be an option for achieving your dream look now! Once your surgery is complete, you make repayments over the coming months or years. So you can get the look you want now and pay later. Apply for cash loans from $300 to $10,000 now.

Monzi is a lender-finding service. We do not offer advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

What is a cosmetic surgery loan?

In short, it’s exactly how it sounds.

A cosmetic surgery loan is a type of credit where you borrow money to cover the costs of elective cosmetic surgery. As a guide, examples of cosmetic surgery may include facelifts, tummy tucks or liposuction.

At Monzi, we work with lenders who may offer personal loans from $300 to $10,000. With this, one way that you may use these loans is to cover your cosmetic surgery costs. Best of all, your costs will be divided evenly over a period ranging from 12 to 24 months.

So, apply with Monzi today.

Interest free loans for cosmetic surgery

Are you looking for interest-free cosmetic surgery loans? We don’t blame you – who wouldn’t?

You could, for example, consider certain payment plans for cosmetic surgery. Some cosmetic surgery clinics may have direct debit payment plan options.

Unlike personal loans, these payment plans are not credit products. As such, you are not charged interest on your payments and you may not require a credit check. Again, direct debit payment plans are different from credit products.

If, however, you are searching explicitly for medical loans interest-free, consider looking elsewhere. While the lenders in Monzi’s network may all vary slightly, they all charge interest. Therefore, interest-free loans are not possible through Monzi.

In short, interest-free loans are never available through Monzi’s lender-finder service.

Is it possible to get cosmetic surgery loans no credit check?

Potentially; however, Monzi has no control over assessment. In short, lenders may not offer no credit check loans online with instant approval. Furthermore, we have no control over the lender you may pair with, meaning we cannot say whether or not you will be credit checked.

Are you applying for cosmetic surgery loans no credit check because of your bad credit history? Before you go anywhere, let us tell you about our network of lenders.

As we have established, a credit check may or may not be part of the lender’s policy. Despite this, we work with lenders that live squarely in the real world. In other words, some lenders may consider offering bad credit loans.

A credit check plays only one part of the process. Lenders will also take into account your:

  • Income
  • Expenses
  • Normal spending habits
  • Debt-to-income ratio
  • Repayment history with other lenders.

As you can see, you may be offered personal loans with bad credit approved instantly. However, it may depend on your lender and financial situation.

Cosmetic surgery loans Australia through Monzi

Monzi is a lender-finder service. We do not offer loans ourselves; however, we work with an extensive network of lenders that potentially can.

Specifically, we work with a network of lenders that may be able to offer easy approval personal loans from $300 to $10,000. Furthermore, you can use these loans to cover any personal expense, including cosmetic surgery.

If your application is approved, you may receive a same day loan after approving your contract. Consumers then make repayments on their short term loan over a period of several months or years.

Unlike certain direct debit payment plans, you will pay interest on top of your personal loan, as well as additional fees and charges.

Cosmetic surgery for unemployed

Need loans as an unemployed individual? There may be some lenders willing to offer fast unemployed cash loans; however, you will still need to be earning sufficient income.

If you’re unemployed, this may be in the form of:

  • Centrelink payments
  • Income from an asset, like a rental property.

Ultimately, lenders will not offer you a loan that you cannot reasonably afford. Therefore, you will need to be earning sufficient income to be considered for approval. Moreover, if you are unemployed, a cosmetic surgery loan may not be appropriate for your situation.

Do any cosmetic surgery loans come with guaranteed approval?

In short, no.

Every lender is required by law to assess whether or not the loan product is suitable for the consumer. Obviously, offering loans with guaranteed approval no matter what completely contradicts this.

Any lender offering guaranteed approval is going directly against responsible lending practices. These practices are laid out by ASIC in the National Consumer Credit Protection Act of 2009. Specifically, the legislation requires all credit providers to:

  • Inquire into the borrower’s financial situation and objectives;
  • Verify the above information themselves; and
  • Determine whether the loan is not unsuitable for the borrower’s need and means.

Are there any guaranteed cosmetic surgery loans?

Yes, there may. However, remember that a ‘guaranteed loan’ doesn’t refer to your outcome. Instead, it relates to the security on your loan.

To make this clear, a guaranteed loan is a secured loan. That means, when you apply, you must provide an asset as security. If you default on your loan, the lender can take steps to repossess your asset to recover their losses. However, this is usually a last resort.

As a guide, assets you may use to secure your loan include:

  • Car
  • Boat
  • Motorcycle
  • Caravan

Some lenders may accept additional assets that aren’t listed above. However, you must contact them to determine if your asset is eligible.

Bad credit cosmetic surgery loans: are they available?

Yes, potentially.

If you’ve got bad credit but need a loan, then Monzi may be able to help. In short, we work with several lenders who may consider offering loans for people with bad credit. However, approval is not certain.

In any case, if your credit isn’t the best, then lenders may assess your financial situation too. By understanding your income and expenses, lenders can potentially determine what may be affordable for you.

As a result, lenders may offer bad credit cosmetic surgery loans in some cases. However, remember that lenders retain the right to approve or deny application where they see fit. Typically, you must demonstrate that you are in a secured financial position.

What can I use cosmetic surgery loans for?

Cosmetic surgery procedures are rarely covered by health insurance. As such, a cosmetic surgery loan may be one way to cover the cost of your procedure.

If you are approved for a personal loan through one of Monzi’s lender-partners, you are afforded a lot of freedom. Moreover, you can use your small personal loan to cover almost any personal cost. Some common cosmetic procedures include:

  • Breast implants
  • Liposuction
  • Eyelid surgery
  • Tummy tuck
  • Rhinoplasty.

What is the definition of cosmetic surgery?

Cosmetic surgery refers to any procedures done to change the appearance of somebody. In particular, cosmetic surgery is often performed on otherwise healthy parts of the body. Generally, people get cosmetic surgery to improve their appearance.

Be aware that cosmetic surgery and plastic surgery are different things. In a nutshell, doctors need to train for an additional five years to become a plastic surgeon. Cosmetic surgery, on the other hand, can be performed by any doctor, without specialised training.

Always speak with your GP first if you are considering cosmetic surgery.

Cosmetic surgery loans – what to ask the surgeon

Going under the knife should not be taken lightly. Moreover, you must ask your surgeon or GP what kind of risks are involved.

For more clarity, consider asking the surgeon more specific questions. You could, for example, ask the following:

  • What qualifications do you have?
  • Have you performed this procedure before? If so, how common is it?
  • Are there any risks I should be aware of?
  • Do you know of anyone who has experienced complications from this procedure?
  • Are there any alternative options I could consider?
  • What should I do when I return home?
  • How much does this procedure cost?

Cosmetic surgery procedures

The best thing about a personal loan is the freedom it affords you. In other words, you can spend your money how you see fit; on the specific procedure you want.

Some of the more common procedures in Australia involve:

  • Breast augmentation. Also known as augmentation mammaplasty.
  • Arm lift. The reshaping of the upper arm to reduce sagging of the skin.
  • Liposuction. Known as lipoplasty, this procedure removes deposits of fat from the body.
  • Tummy tuck. Removes excess skin and fat from the abdominal area.
  • Rhinoplasty. The reshaping of the nose; generally making changes to the bridge or nostrils.

How can I get low-interest cosmetic surgery loans?

Unfortunately, Monzi cannot provide any advice on how you may access a low interest rate on your loan. Moreover, we cannot guarantee what the interest rate on your loan will be.

Ultimately, Monzi is a lender-finder service. In short, we match prospective borrowers with great Aussies lenders. However, each lender varies in their terms. As a result, different lenders may offer different rates.

That said, there are a few factors that may help you access a lower interest rate.

Firstly, if you’ve got good credit, then lenders may reward you, given that you aren’t necessarily a default risk. In addition to this, if you apply for a secured loan, then you may receive a lower rate as the loan is guaranteed by one of your assets.

However, as we’ve mentioned, your lender will determine your rate. As a result, Monzi cannot say with certainty what your rate may be.

Cosmetic surgery loans black and white photo of stethoscope

How does Monzi work?

Monzi aims to match consumers with potential credit providers. We do not provide credit ourselves. Instead, we’ve built up a network of trusted lenders potentially able to offer medical loans for cosmetic surgery.

In particular, you can apply for the following cosmetic surgery loans:

  • Small loans: $300 to $2,000
  • Medium loans: $2,100 to $4,600
  • Large loans: $5,000 to $10,000

Am I eligible for Monzi?

There are four basic criteria that you must meet to get eligible:

  1. 18 years or older.
  2. Australian Citizen or Permanent Resident.
  3. Can provide an email address and mobile number.
  4. Have recent banking history on an online account.

You’re free to apply if you meet everything listed above. Please note, being eligible to apply does not guarantee approval. Approval is always subject to assessment and at the discretion of individual lenders.

How do I apply with Monzi?

Applying for so easy loans with Monzi couldn’t be more straightforward. Just follow these steps:

  1. Use the loan slider to select the amount you wish to apply for.
  2. Complete the submission form. We only ask for essential information, so this may only take a few moments.
  3. We’ll let you know if we match you with a lender. Remember, lenders first assess your application before granting approval.

If the lender approves you, they will send through a digital loan contract. You must read through your contract carefully to make sure you are happy with everything before you approve it.

Are there fees on top of the interest?

Yes, there are additional fees and charges payable on top of the principal and interest. This may include things like establishment fees, ongoing fees or penalty fees for missed or late payments.

All payable fees and charges will be included in your loan contract. That’s why it is important you read through your contract carefully before approving anything.

In particular, make sure you are happy with all aspects of your loan, including:

  • Amount offered. Lenders may not be able to offer the exact amount you applied for on our site, but they’ll do their best. So make sure you know exactly how much you’re taking out and whether you’re happy with it.
  • Interest. The percentage paid on top of the loan principal expressed as an annual rate.
  • Fees & charges. Includes establishment and ongoing fees, as well as penalty fees.
  • Terms. Confirm you are happy with the repayment terms offered to you. The longer the term, the more you will pay in interest overall; the shorter the term, the higher your regular repayments will be.

Can Monzi guarantee me same day cosmetic surgery loans?

Consumers may receive same day cash within 24 business hours of approving their contract. There are, however, several variables at play that prevent Monzi from guaranteeing same day approval.

  • Banking rounds. At certain times throughout the day, lenders transfer funds. Generally, the final round is towards the end of the day’s trade. Miss the final round, and you may only get your cash the next business day.
  • Weekends. No rounds of banking happen over the weekend or on public holidays.
  • Additional information. Lenders may need to pause assessment if they need extra information. Therefore, aim to provide everything the first time you apply.

How do you get approved for a cosmetic surgery loan?

While we cannot guarantee that your application will be approved, one way to access cosmetic surgery loans could be to apply with Monzi.

In short, through our lender-finder service, you may be paired with a lender in just 60 minutes. Best of all, they may be able to offer the personal loans you need to cover the costs of cosmetic surgery. Borrow cash amounts from $300 to $10,000 today.

However, for a lender to approve your application, you must show that you can afford the loan repayments. As a result, you must be earning a consistent income and will likely need to hold stable employment. That said, exact eligibility requirements do vary between lenders.

Do plastic surgeons have payment plans?

Unfortunately, Monzi cannot say.

While we may match you with lenders who can offer cosmetic surgery loans, we cannot speak to the policies of individual plastic surgeons. As a result, you must contact them directly to determine if they offer payment plans.

How can I get plastic surgery with no money?

As we’ve mentioned, there is a distinction between cosmetic surgery and plastic surgery.

In most cases, the key difference is that cosmetic surgery is elective. In other words, it’s used for aesthetic purposes or to change the appearance of a functional body part. Typically, this will not be strictly necessary from a health perspective but is instead completed at the patient’s request.

On the other hand, plastic surgery refers to reconstructive or restorative surgery. Plastic surgery aims to improve the function or appearance of a body part that is abnormal or damaged. For instance, plastic surgery may be necessary to correct birth defects or treat burns. However, there are many other instances where plastic surgery may be required.

Given this, it’s worth noting that some plastic surgery may be covered by government support (e.g. Medicare). As a result, it may still be an option if you need a loan. However, Monzi cannot say what is covered. You must do your own research or consult a medical professional to determine if there is support available.

Finally, cosmetic surgery won’t be covered. As a result, it may not be an appropriate option if you have no money.

What happens if I can’t afford my repayments?

When lenders assess your application, they look to confirm you can reasonably afford your contractual repayments. Obviously, however, life gets in the way of the best-laid plans.

For example, you may no longer be able to afford your repayments if:

  • You lose your job.
  • Your employer reduces your hours.
  • You are injured and no longer able to work.
  • You and your partner split up, resulting in a reduction of income.

Consumers need to provide evidence when they apply for hardship. This could include any of the following:

  • 90 days of recent bank statements
  • Separation certificate from your employer
  • Medical certificate
  • Payslips to show a reduction in income.

If the lender approves your hardship claim, you may be offered a break from repayments or a restructured loan.

Why should I find cosmetic surgery loans with Monzi?

Even after everything we’ve been over, it’s fair to still have a few doubts. To set your mind at ease, here’s why you should consider applying with Monzi.

Monzi is free

The best price point of all – completely free!

Monzi’s service will never cost you a cent. No matter the result, it’ll never cost you anything.

Flexible cosmetic surgery loans repayments

Depending on the lender, you may be able to fit your repayments around your normal life. More specifically, you may be able to choose between a weekly, fortnightly or monthly repayment schedule.

In addition, a direct debit is usually set up from your account. That way, your repayments are made automatically. You just have to keep enough cash in your account on the relevant dates.

100% online

Our online system allows us to help Aussies from any corner of our great nation; all in the blink of an eye.

So if you’re one of those people that hates phone calls or spending half their day in a queue, Monzi is the lender-finder for you.

Simply kick back in your favourite chair, grab your phone and begin! You could secure a loan for cosmetic surgery while still in your dressing gown. Not bad, right?

We get to work ASAP

We aren’t in the business of wasting time. Therefore, we get to work ASAP after you apply. If you apply during normal business hours, you may even get an outcome within 60 minutes of applying.

Keep in mind, you may not receive an outcome until the next business day if you apply outside of normal hours.

Safe and secure

Not one, but two giants of software security protect Monzi’s system: McAfee and Comodo.

Therefore, you can be sure your data is always protected. Furthermore, our system deletes your login details once we get copies of your bank statements.

Ready to begin?

Apply for loans Australia up to $10,000 now!

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Factor In Costs

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440.

Disclaimer: Under the current legislation, all Small Amount Credit Contract loan providers don’t charge an annual interest rate. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The comparison rate on loans between $300 and $2000 could be up to 199.43%. The minimum loan term is 16 days and maximum loan term is 12 months. Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Loan amount

$2,100 - $4,600


13 months (minimum)

24 months (maximum)


47.8% Annual Percentage Rate (APR)

65.85% Comparison Rate p.a.


Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88.

The maximum interest rate for a Medium Amount Credit Contract is 47.8%. Comparison Rate 65.85% p.a. The maximum loan term is 24 months. Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.

Loan amount

$5,000 - $15,000


13 months (minimum)

24 months (maximum)


17% Annual Percentage Rate (APR)

36% Comparison Rate p.a.


Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $16,489.

The starting interest rate for a Personal Loan is 17%. Comparison Rate 36% p.a. The maximum loan term is 24 months. Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $16,489. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.