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Cosmetic Surgery Loans

Personal Loans up to $15,000

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Apply in less than 8 minutes

What is a cosmetic surgery loan?

Cosmetic surgery loans are a form of personal loan used to cover the expenses of cosmetic surgery. Cosmetic surgery, otherwise known as plastic surgery, is a surgical procedure undertaken to change the appearance of a body part. There are two types of cosmetic surgery: reconstructive surgery and elective surgery. Jacaranda Finance offers quick loans up to $15,000 to cover the cost of any cosmetic surgery expenses. 

What are my options for financing cosmetic surgery?

Cosmetic surgery can be very expensive. Whether it is elective or reconstructive surgery, the bill will often be thousands of dollars. If you do not have the cash available to fund this massive expense, you have a few financing options.

Personal loan for cosmetic surgery 

A personal loan is a great option to finance your procedure. You can apply for the exact amount you need, and you will have a set repayment period. At Jacaranda, you can apply online within a few minutes and you could get an outcome within just 60 minutes*. Personal loans are great for their speed and convenience, as well as their flexible repayment terms that give you plenty of breathing room.

Credit card

Another option for you to finance your procedure is with a credit card. Depending on your credit card limit, you should be able to finance most cosmetic surgery procedures without an issue (you may need to discuss with your provider first). 

Types of cosmetic surgery procedures

There are two types of cosmetic surgery procedures: reconstructive surgery and elective cosmetic surgery

Reconstructive surgery involves improving skin conditions, visible scars, birth defects, distorted body parts or burns. These procedures may be covered by certain health insurance policies, but you should check your plan to know exactly what you are covered for.

Elective cosmetic surgery involves changing one’s appearance due to personal preference or dissatisfaction, like wrinkles, nose shape or stomach fat. 

Some of the most common cosmetic surgery procedures include facelifts, rhinoplasty, breast augmentations and liposuction.

  • Facelift – also called a rhytidectomy, a facelift can either be a small or large procedure depending on what you wish to have done. The procedure involves incisions being made near the ears, chin, or hairline to remove wrinkles, as well as lift and tighten the face.
  • Breast augmentation – a breast augmentation, or a ‘boob job’, involves placing implants over or under a chest muscle. They are usually inserted through the armpit, often filled with a saline solution, and made of a silicone shell.
  • Rhinoplasty – otherwise known as a ‘nose job’ or ‘nose surgery’, this procedure involves resizing, reshaping and smoothing the nose to create facial feature symmetry. People may undergo rhinoplasty for reconstructive or elective surgery, depending on its purpose. 
  • Liposuction – Liposuction is a cosmetic procedure that removes fat usually on your hips, belly, thighs, buttocks, back, arms and under the chin. 

Cosmetic surgery loans for bad credit

Are you looking into cosmetic surgery loans in Australia, but afraid your credit score may prevent you from receiving it? If you have been searching for ‘cosmetic surgery loans with no credit check’, we may be able to help. Jacaranda Finance offers cosmetic surgery loans with bad credit. We will look at your financial situation as a whole to decide whether a personal loan is right for you. 

While we do conduct credit checks because it’s required by law, your credit score will not be the deciding factor of your application. We will also look at your current relationship with money through things like bank statements to ensure that you can comfortably repay your loan. So, even if you have bad credit, we still may be able to help you.


Still have questions? Below, we’ve provided answers to our most commonly asked questions about cosmetic surgery loans.

I haven’t found a doctor yet, can I still get a loan?

Yes! As long as you have an idea of how much the procedure will cost, you can still apply for a personal loan without having found a doctor yet.

What are the fees and charges?

This will completely depend on how much you will be borrowing and your current financial situation. If you want to know more about our fees and charges, visit our personal loan interest rates page.

How do I repay my loan?

Our standard repayment method is Direct Debit. We will set up a direct debit in line with your pay cycle. This can be either weekly, fortnightly or monthly. The debit will come out on this nominated day so that you won’t need to worry about the money being in your account.

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