Cosmetic surgery loans from $2,100 to $15,000. Easy online loan applications. No paperwork. Cosmetic surgery secured loans. Apply online 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 $2,100 to $15,000. 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 surgery
Are you looking for interest-free cosmetic surgery loan? 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. Learn more about motorcycle loan here.
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 surgery loans with 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 loan no credit check because of your bad credit history? Before you go anywhere, let us tell you about our network of lenders. Learn more about buy now pay later here.
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.
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 $2,100 to $15,000. 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.
Do any 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 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 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 loan 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.
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 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.
Can Monzi guarantee me same day 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 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 $2,100 to $15,000 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.
