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Plastic and Cosmetic Surgery Loans — Compare Costs, Rates and Payments
Explore cosmetic surgery financing options and estimate payments with the calculator below. Compare typical costs and rate ranges for popular procedures, learn what lenders and clinics look for, and get answers to common questions so you can apply with confidence.
Cosmetic Surgery Loan Calculator
Estimate monthly, biweekly or weekly payments for your procedure. Inputs auto-format to dollars and percentages.
Typical Cost and Rate Ranges for Cosmetic Procedures
Illustrative ranges only. Always compare personalized quotes and clinic fees in your province.
| Procedure | Typical Cost (CAD) | Common APR or Cost | Typical Term | Notes |
|---|---|---|---|---|
| Rhinoplasty | $7,000 – $12,000 | 8% – 19%+ | 12 – 48 months | Complexity and revisions affect cost |
| Breast Augmentation | $8,000 – $14,000 | 8% – 19%+ | 12 – 60 months | Implant type and facility fees vary |
| Liposuction | $4,000 – $12,000 | 9% – 24%+ | 6 – 48 months | Cost depends on areas treated |
| Tummy Tuck (Abdominoplasty) | $10,000 – $18,000 | 9% – 24%+ | 12 – 60 months | Extended or fleur-de-lis adds cost |
| Facelift | $12,000 – $22,000 | 8% – 19%+ | 12 – 60 months | SMAS, deep-plane, or mini varies |
| Hair Transplant | $6,000 – $15,000 | 9% – 24%+ | 12 – 48 months | Grafts count drives cost |
| Dental Veneers/Aligners | $3,500 – $12,000 | 8% – 19%+ | 6 – 36 months | Clinic promos may apply |
| Laser Skin Resurfacing | $1,500 – $6,000 | 9% – 24%+ | 6 – 24 months | Device type and sessions vary |
Example average costs by procedure
How Plastic Surgery Financing Works
Financing spreads your procedure cost over fixed payments. Many lenders assess credit history, income, and debt levels to set an APR and term, while some clinics partner with financing providers or offer in-house plans. Personal loans provide lump-sum funding you can use at the clinic of your choice. Promotional or zero-interest plans may exist for shorter terms if you meet specific clinic conditions.
What lenders and clinics review
- Credit score and repayment history.
- Verified income and ability to handle payments.
- Total procedure quote including anesthesia and facility fees.
- Down payment amount and optional add-ons (garments, meds, follow-ups).
Eligibility and documents
- Government ID and address.
- Recent pay stubs or bank statements; T4/NOA if self-employed.
- Full clinic quote and appointment date window.
- Void cheque for pre-authorized payments.
Tips to lower your cost
- Compare multiple quotes and ask about off-peak scheduling.
- Increase down payment to reduce interest paid.
- Choose the shortest term your budget can support.
- Skip non-essential add-ons to avoid financing extras.
Comparing financing options
- Personal loan: Fixed rate and payment, usable at any clinic.
- Clinic plan: May offer promos, but limited to partner clinics.
- Line of credit: Revolving, interest applies only to balances used.
- Credit card: Useful for deposits; watch for high interest.
Risks and considerations
- Cosmetic procedures are usually not covered by provincial health plans.
- Interest accrues on financed amounts; read promotional fine print.
- Schedule recovery time and possible revision costs in your budget.
- Ensure your surgeon is certified and clinic is accredited.
Plastic and Cosmetic Surgery Financing FAQ
Can I get approved with fair or rebuilding credit?
Yes. Many lenders work with a wide range of credit profiles. You may start with a higher APR or need a shorter term or co-applicant.
Is zero-interest cosmetic surgery financing available?
Occasionally, for short promos at specific clinics. Missed promo conditions can trigger deferred interest, so read terms closely.
How fast can I receive funds?
Online lenders may decide within hours with funding in one to three business days. Clinic partner programs can be same-day for smaller amounts.
Will financing affect my credit score?
A hard inquiry may be required. On-time payments can help build history; missed payments can hurt your score.
Can I repay early without penalties?
Many personal loans allow extra payments or early payout without fees. Confirm prepayment terms with your lender.
What costs should my quote include?
Surgeon fee, anesthesia, facility fee, garments, prescriptions, follow-ups, and potential travel or accommodation if needed.
Written by:
Amy Orr
Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.
Reviewed by:
Jenna West
Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.
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