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How to Finance Cosmetic Surgery

Doctor consulting a patient on cosmetic surgery.

More people are interested in cosmetic surgery as an option to look and feel their best. However, the price tag still stops many people from getting the procedures they want or need.

Understandably, you can’t afford to invest thousands of dollars out-of-pocket for liposuction, breast augmentation, or a tummy tuck, but not every cosmetic surgery is for the sake of vanity. Some popular reasons include repairing damage caused by an accident, injury, or illness, such as reconstructive surgery after mastectomy for breast cancer survivors.

United Credit believes there’s no bad reason to get the procedures you need. Read through our guide for information on how to finance cosmetic surgery.

Financing Options for Cosmetic Procedures

Finding financing for cosmetic surgery can feel daunting, but you have several alternatives. When seeking financing for cosmetic procedures, consider these five options.

1. Health Insurance

If you have health insurance, it’s worth checking to see if your insurance will cover some or all of the procedures. Sometimes, health insurance will provide at least some financing for cosmetic surgery if the surgery you seek is medically justifiable. For example, a nose job could correct breathing difficulties, or breast reduction surgery may reduce chronic and severe back pain. In that case, your insurance may reduce the amount you’ll expect to pay out of pocket.

2. Hospital Payment Plans

It’s no secret that cosmetic surgery can be expensive, and that’s why some providers offer payment plans. With a payment plan, your provider may require an initial deposit before your surgery, with payment of the remainder over time. However, providers may limit payment plan options to patients with a good credit score or require additional collateral.

3. United Credit

If you’re searching for affordable cosmetic surgery loans, you needn’t look further than United Credit. We work with multiple lending partners to help applicants find the best loan options with affordable monthly payments, competitive loan terms, and interest rates. United Credit also works with borrowers of varying credit scores, so you can discover options for financing the cosmetic surgery you need, even if you have less-than-perfect credit.

4. Personal Credit Card

Many medical providers will accept personal credit cards for cosmetic surgery. However, you should choose a personal credit card wisely. Some credit cards have high-interest rates, which can exponentially increase the cost of cosmetic surgery. If possible, use a low-interest credit card or a credit card with a 0% APR offer to help you pay the loan amount before the issuer increases the APR.

5. A Loan From a Friend or Family Member

You may want to avoid cosmetic surgery loans or have trouble securing credit. If so, you could ask a friend or family member for help. However, depending on the amount, doing so could potentially jeopardize close relationships if you can’t meet agreed-upon loan terms. If you have a friend or family member willing to loan you financing for cosmetic surgery, set specific terms and get them in writing to avoid any negative consequences later.

The Pros and Cons of Securing Financing for Cosmetic Surgery

If you’re wondering how to finance cosmetic surgery, one of the easiest ways is with a cosmetic surgery loan. However, when reviewing your options, you must consider the pros and cons of using a loan to cover your procedure.


  • You can get the surgery you want or need right away
  • With United Credit, you can find the loan terms that best suit your needs through our lender network
  • You won’t need to ask friends or family members for a loan
  • A cosmetic surgery loan may help you build or rebuild your credit score


  • You’ll owe the loan amount plus interest
  • A loan can negatively impact your credit score until it’s closer to being paid off
  • Some loans have high-interest rates, especially if you have a less-than-ideal credit score

Frequently Asked Questions

What cosmetic procedures can I get financed through UC?

There are an array of cosmetic procedures you can finance through our lending partner network. United Credit can connect you with financing options for a variety of surgical cosmetic procedures and treatments, including breast augmentation, tummy tucks, facelifts, and more. We have a diverse selection of cosmetic surgery financing through our lenders.

How does cosmetic surgery financing through UC work?

Our online application process is simple and fast. It only takes a few minutes to complete our simple online application, and you’ll have access to multiple financing options with affordable interest rates and payment terms through our lending partners.

You’ll receive a response from our lender network the same business day, with options that help you find a payment plan that fits your needs and your budget.

Will my credit score affect my application?

Your credit score depends on several factors, including your current income, history of making timely payments for existing loans, whether you’re currently enrolled in debt forgiveness programs, the ratio of “good debt” to “bad debt,” how long you’ve had a credit history and your bank account history. If you find incorrect information in your credit history, you have the right to appeal it and request your score be corrected. This can help you improve your credit score.

However, just because your credit history is less than ideal doesn’t mean you can’t get a loan. When you submit an application, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score. Individual lenders may run a hard credit check, which will impact your score, which is why it’s essential to know what your credit report contains.

How do I determine my credit score?

You can get a credit score from any of the major credit bureaus. Depending on the rating scale a specific credit bureau uses, your score may be higher or lower.

Does my doctor’s office need to be enrolled with United Credit for me to get financing?

The short answer is generally no, your doctor does not need to be enrolled with us. However, certain payment plans may require your doctor to be enrolled so we can issue an ACH or wire transfer to your doctor’s checking account.

How does my doctor get paid?

Once you are approved for financing through one of our lending partners, we work directly with your doctor to submit payment for your procedure. Once your loan is approved, you’ll work directly with the lender to make payments.

UC has helped thousands of people get the cosmetic procedures they want and need, and we want to help you too! To see if you qualify for financing through our lending partner network, start your application now.

United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

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VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.