Compare Lenders

Select loan amount

Select province

View details

AMOUNT

$1,000 - $50,000

INTEREST RATE

Starting at 7.5%

TERMS

6 - 72 Months

Apply

View details

Plastic and Cosmetic Surgery Loans — Compare Costs, Rates and Payments

Q: Is zero-interest cosmetic surgery financing available?

Sometimes for short clinic promotions with strict conditions. Read terms carefully as deferred interest may apply if conditions are missed.

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.

Procedure cost

Down payment (optional)

Interest rate (APR)

Term length

Clinic/admin fees (optional)

Payment frequency

Apply for Cosmetic Surgery Financing

Estimated payment

$0.00

per month

Financed principal

$0.00

Total interest over term

$0.00

Total paid (principal + interest)

$0.00

Estimates are educational only and not an offer of credit. Terms vary by lender, clinic, province and applicant profile.

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

Rhinoplasty

~$9k

Breast Augmentation

~$11k

Liposuction

~$8k

Tummy Tuck

~$14k

Facelift

~$17k

Hair Transplant

~$10k

For illustration only. Actual pricing depends on clinic, surgeon, location, anesthesia, and facility fees.

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.

Apply for Cosmetic Surgery Financing

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.

Explore more

Similar products

Awesome G.

04:46 26 Feb 25

I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.

Pat M.

03:10 26 Feb 25

Good place to get a loan

Chris “Stufphr” H.

02:07 26 Feb 25

When you feel in need of a loan do it smart and make it a Smarter Loans.

Dan Bott (.

01:41 26 Feb 25

Very Helpful, was assisted in a timely fashion and was ultimately able to receive assistance; I highly recommend!!!

joel K.

22:59 25 Feb 25

I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with

Nate C.

13:22 27 Oct 24

This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.

Vincent J.

07:08 23 Oct 24

Good place for borrowing a bit of money 😁

Kels H.

06:41 23 Oct 24

Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)

Tara H.

16:23 16 Oct 24

From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.

A S.

19:43 11 Oct 24

“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”