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Apply for Cosmetic & Plastic Surgery Financing Now

Between $500 and $25,000

Cosmetic & Plastic Surgery

Get the look you want

There’s always something to tuck, tighten, or shine that would enhance your natural beauty. United Credit partners with thousands of businesses across the country, including cosmetic surgeons, plastic surgeons, and med spas who help highlight your best features. Apply for financing in minutes and see how together, we do more.

Thanks to our lending partner network, United Credit can connect you with financing options for a variety of surgical cosmetic procedures and treatments, including:

Surgical cosmetic procedures

Body Lift, Face Lift, Mommy makeover, Brazilian Butt Lift (BBL), Scar Removal or Revision, Rhinoplasty (nose job), Breast Augmentation, Liposuction, Hair, Restoration, Breast Reduction, Breast Surgery, Butt Lift, Fat Transfer

Non-surgical cosmetic procedures

Fillers (Juvederm®), Injectables (Botox® Cosmetic, Dysport™, Xeomin®), Laser hair removal, Chemical peels, Coolsculpting®, Sonobello®, Microdermabrasion, Tattoo Removal, IPL/ Laser treatments

Surgical cosmetic procedures

Body Lift, Face Lift, Mommy makeover, Brazilian Butt Lift (BBL), Scar Removal or Revision, Rhinoplasty (nose job), Breast Augmentation, Liposuction, Hair, Restoration, Breast Reduction, Breast Surgery, Butt Lift, Fat Transfer

Non-surgical cosmetic procedures

Fillers (Juvederm®), Injectables (Botox® Cosmetic, Dysport™, Xeomin®), Laser hair removal, Chemical peels, Coolsculpting®, Sonobello®, Microdermabrasion, Tattoo Removal, IPL/ Laser treatments

How cosmetic and plastic surgery financing works

Easy application
It only takes a few minutes to complete our simple online application

More financing options
Access multiple financing options with affordable interest rates and payment terms

Fast approval
You’ll receive a response from our lender network the same business day

Affordable financing
Find a payment plan that fits your needs and your budget

Superior service
Your dedicated support rep will answer all your questions and help you through the entire application process

Secure financing for cosmetic and plastic surgery procedures from $500 to $25,000*

  • Simple, fast online application
  • Affordable monthly payments
  • No prepayment penalty
  • Competitive interest rates for qualified buyers

*Some applicants may qualify for more. Actual loan amount and terms are dependent on credit usage and history.

Frequently asked questions

How Does Plastic Surgery Financing Through United Credit Work?

United Credit helps consumers within a wide range of credit scores apply for plastic surgery financing, meaning we connect more people like you with the loan you need. We are not a credit card; instead, we are a gateway to installment loans and other financing options with affordable interest rates and payment terms best suited for your credit profile. Loans from our lender network vary based on your credit application.

What Are The Benefits Of Plastic Surgery Financing?

Cosmetic surgery has become increasingly popular and it’s not uncommon to know people who’ve had plastic surgery. Procedures like mommy makeovers, tummy tucks, and cosmetic procedures are popular options for people looking to change their appearance.

United Credit is here to connect you with financing solutions through our network of lending partners. Plastic surgery financing can help you get the procedure you need with a payment plan that fits your budget.

Will Plastic Surgery Financing Cover the Cost of My Procedure?

Unlike a conventional insurance policy, cosmetic surgery financing through United Credit’s lending partners may cover the entire cost of your procedure, up to $25,000. This includes plastic surgery procedures like:

  • Breast augmentation/reduction
  • Hair restoration
  • Tummy tuck
  • Facelift
  • Gender reassignment procedures
Doesn’t My Insurance Cover Plastic Surgery?

Insurance companies are designed to limit and spread risk among the pool of customers, thereby limiting the financial damage both to clients and the company in the case of a payout. In many cases, insurance companies restrict their payouts to “medically necessary” procedures. This means “elective” procedures like cosmetic surgery treatments most likely won’t be covered. Check with your insurance provider for more information.

What Will My Cosmetic or Plastic Surgery Cost?

Cosmetic and plastic surgery costs vary widely depending on factors like the type and extent of the procedure, the billing practices of the surgeon, and how much, and what intensity of postoperative aftercare you need. Some points to consider before you pay for your surgery include:

  • How much does your provider estimate the surgery and all associated costs will run? Most providers should be able to give you a fairly accurate idea of the total amount a procedure will cost.
  • Can another provider perform the procedure and still give you the results you want?
  • Is it possible to have a less expensive alternate procedure that can achieve a similar outcome?
  • Does your provider offer in-house surgery financing?
  • What other outstanding secured and unsecured debt do you have, such as credit cards, student loans, back taxes, mortgage payments, or car loan notes?

When you have the answers to these questions, you’ll have a financial picture that can help give you an idea of your next steps.

Do Plastic Surgeons Offer Payment Plans?

Many plastic surgeons offer plastic surgery financing, some in-house, some through loan brokerages. Before you agree to a procedure or payment plan, you should always get a second opinion on your procedure and evaluate the fine print of the terms carefully so you know what you’re getting into and can make sure the procedure and plan you ultimately go with is the right one for you. United Credit offers financing for cosmetic surgery and can help you skip the frustration of sorting through payment plans so you can discover a plastic surgery financing plan that works with your budget and life!

What Is The Best Financing For Plastic Surgery?

The best financing depends on your needs, your credit, and your financial goals. Things like monthly payments, loan terms and conditions, and APR all work together to make your ideal loan that’s unique to your situation. The United Credit team is dedicated to connecting you with the loan that best meets your needs and fits your budget.

With our industry-leading network of lending partners, you can access loan options for cosmetic surgery, veterinary and pet care, bariatric surgery, and major retail purchases.

How Does a Credit Score Work and What Credit Score Do You Need To Finance Plastic Surgery?

We recommend checking services like Credit Karma, requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a loan.

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.

Testimonials from United Credit Customers

Resources on plastic and cosmetic procedures and financing

Ready to apply?

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.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

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.