The decision to undergo plastic surgery can be for medical or aesthetic reasons, like the reconstruction of face or body defects brought about by trauma, disorders or illness, and/or to improve a person’s appearance. The cost for this type of surgery can be significant and not all procedures will be covered by Medicare and private health insurance funds, leaving prospective patients with major decisions around whether or not to proceed.
Those faced with the prospect may be asking ‘can I get a loan for plastic surgery?’ With access to more than 80 lenders, at Jade Finance we have the lender connections, lending products and the expertise to source affordable cosmetic surgery financing – loans for aesthetic surgery at highly competitive rates and flexible terms. Making the prospect of proceeding with the surgery extremely achievable for many people.
The reasons for plastic surgery can be extremely personal and the matter overall, extremely private. We respect the privacy of our customers with our extremely personalised approach to sourcing plastic surgery loans. Customers are assigned their own broker as the single point of contact through the funding process. Each application is addressed individually, with quotes and offers sourced to meet those specific, individual requirements.
Cosmetic surgery financing is provided to cover the expenses associated with procedures for both cosmetic and reconstructive surgery.
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Reconstructive procedures may include surgery to the hand following an accident, microsurgery, craniofacial procedures, and surgery to treat burns. Cosmetic surgeries may include elective procedures to enhance or improve the appearance such as rhinoplasty, breast augmentation, face lifts, liposuction, eyelid surgery and scar correction.
Possibly due to medical technology advances and the availability of services, a growing trend for these types of surgeries has been noted, and cosmetic surgery finance can make them more accessible.
The best loans for plastic surgery are considered to be personal loans. Plastic surgery loans are offered to cover the costs of the procedure. These costs may include the hospital stay, surgeons, anaesthetics, medications, dressings, post-surgery consultations, and rehabilitation. The loan may be sourced to cover the entire cost of the operation – both hospital and surgeon, or the out-of-pocket expenses if partially covered by Medicare or a private health fund.
The loan would be an unsecured format with or without some form of collateral provided. The loan amount approved to an individual would be subject to the assessment of the credit profile and ability to furnish the loan by the lender. Amounts up to $50,000 may be approved for Unsecured Personal Loans.
The interest rate on unsecured loans is higher than for secured loans and is typically variable. Though some personal loans can be obtained with a fixed interest rate. Terms are negotiated with lender by our brokers to deliver a workable repayment schedule.
If considering an aesthetic or reconstruction procedure, speak with us about the best loans for plastic surgery that we can source to suit your profile and requirements.
Our guides offer quick comparisons and simple explainers to help you navigate through the financing process with confidentiality and confidence.
We have provided a convenient Personal Loan Calculator to enable those requiring procedures to easily obtain estimates on finance options for cosmetic surgery. The calculator is an online device on our website and can be used without any obligation to proceed with a loan application.
The amount required for the funding is entered, along with our current rate for personal loans and the preferred term. The estimated monthly repayment for those amounts is immediately displayed. Users should be mindful that the rate that they are offered may differ from our current best rate.
The estimate may provide valuable decision-making and planning assistance. For a quote based on your specific profile, please connect with us online or by phone.
At Jade Finance, we appreciate the very personal nature of cosmetic surgery and provide customers with a discrete and very personalised financing service. Respecting privacy, while sourcing the most competitive interest rate loans.
There can be significant variations across the personal loan lending market, especially for more niche products such as cosmetic surgery financing. We are accredited with more than 80 lenders, which provides our brokers with vast access to the lending market to source the right lender to suit each customer and the best rates.
We understand that the prospect of this type of surgery may be daunting and stressful. We support customers with our streamlined loan application and processing services, fast approvals, and assigning one of our experts to personally handle the process. Reducing the stress, saving time, and delivering the most flexible, affordable lending solution.
Our brokers are highly trained and experienced and assist customers throughout Australia. Contact can be made via our online systems or by simply calling us. Prompt attention is given to every enquiry with quick quotes and fast approvals.
Your privacy is respected at all times throughout the process. To find out how we can assist you with affordable, flexible financing options for plastic surgery, have a confidential phone call with one of our brokers.
Financing options for cosmetic procedures, both elective and non-elective, are provided with personal loans. This sector of the lending market, Consumer Credit, is regulated and overseen through ASIC. The Commission has set the guidelines and regulations by which consumer finance lenders must carry out their role in providing personal loans.
The guidelines cover requirements for eligibility and the documentation which applicants must provide for assessment.
Eligibility criteria includes:
Lenders are required to obtain a range of documentation for the loan application which includes:
In addition to these minimum requirements, lenders may request additional documentation in line with their individual criteria and guidelines. Details of the purpose of the loan are also required.
The initial step in applying for a plastic surgery loan is to check eligibility with one of our brokers. Once we confirm eligibility, the application form needs to be completed with the required documents. When our brokers check these documents, conditional approval may be obtained.
Your Jade broker will then identify which of our lenders is best suited to your individual profile and best-placed to make the best offer for a plastic surgery loan. We source the best quote and offer and present it to the customer for consideration.
Achieving the best interest rate and the preferred terms can depend on the credit score and history. Lenders review credit profiles for creditworthiness and assess financials for the ability to repay the loan.
With plastic surgery and other medical procedures, a key consideration may be the downtime required for the surgery and for recovery. Lenders may be interested in if income will be earned during any time away from work as this may impact the ability to meet repayments.
Providing as much detail as possible, such as if the time is covered by sick leave or accrued holidays, may expedite approval.
When any offer presented is accepted by our customer, we proceed to process the application through to the settlement stage. This is when the funds are transferred to the customer’s bank account and available for the purpose.
Your Jade broker will be guiding you through each stage of the application to ensure a swift, streamlined process. We handle all the discussions and negotiations with lenders to save customers time and hassle.
To confirm your eligibility or to start an application, simply connect with us and advise of your requirements.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 20/12/2024 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
Loans for cosmetic and plastic surgery are provided with unsecured personal loans. Some form of collateral may be requested as security, subject to lender requirements.
Aesthetic surgery loans are unsecured personal loans but some collateral may be required for approval. Security may be provided through unencumbered assets as approved by lenders.
To be eligible for consumer finance in Australia, the applicant must be a permanent resident. Loans can be approved for overseas-based surgery with the applicant assured of returning to live permanently in Australia to repay the finance.
Interest rates are established based on the lender assessment of the application.
Personal loans are available for a wide range of purposes including both elective and essential plastic surgery.
A tummy tuck would be considered as eligible cosmetic surgery financing, subject to individual lender approvals.
In general terms, all types of medical procedures and surgeries may be approved for personal loans. The type of surgery should not generally impact the loan unless the applicant requires significant time away from income-earning work for recovery.
Applications may be approved in as little as 24 hours, depending on the complexity of the application and the promptness in providing the necessary information.
Personal loans may be approved for up to $50,000. Lenders establish the credit limit for individual applicants based on specifics of the applications including earning capacity.
Online loan calculators do not include fees and charges. The rate offered may be different from the rate used in the calculations. These can result in offers differing from estimates.
