Cosmetic Surgery Loans Made Easy

Save Money With $0 Merchant Fee Options!

Offer low payment options for cosmetic surgery
procedures with an easy and simple process!

Cosmetic Surgery Services


Offer financing for removal of excess flesh from the abdomen.

Body ContouringCool Sculpting

Offer financing to your patients for the removal of excess fat in stubborn areas.

Breast augmentation

offer financing to your patients for breast enhancement.

Eyelid surgery

Offer financing for droopy eyelids repair.


Offer financing for removal of unwanted wrinkles.


Offer cosmetic surgery loans for removal of excess fat from under the skin by suction.

Mini facelift

Offer cosmetic surgery loans for the correction of sagging skin around the neck and jawline.

Mommy makeover

Offer cosmetic surgery loans for the improvement of the physical changes that linger long after pregnancy.

Nose jobrhinoplasty

Offer cosmetic surgery loans for nose jobs.

Plastic surgery

Offer cosmetic surgery loans for reconstructing or repairing parts of the body through the transfer of tissue.

Reconstructive surgery

Offer financing for reconstructing a part of the body changed by previous surgery.

Skin Tightening

Offer financing for the improvement of skin laxity and crepiness of the skin.

Tummy tuck

Offer financing for the removal of excess flesh from the abdomen.

Cosmetic Treatment Financing for Providers

When it comes to cosmetic surgery procedures, the costs can be substantial, ranging from hundreds to tens of thousands of dollars. If you’re a cosmetic surgeon seeking financing options as payment solutions, after reading the information below, you will be able to evaluate the best financing options as payment solutions for your cosmetic surgery business.

The Benefits of Financing Cosmetic Procedures with PowerPay

PowerPay is a cosmetic financing company that offers several benefits to both patients and providers by working directly alongside them. Some of our highlights include:

  • No hidden HCP/ office fees
  • Quick payment solutions to help your patients cover their procedures
  • Receive payment instantly with our instant approval process
  • Financial management help for coordinating loans with patients

How do my patients benefit from financing?

Unlock your desired procedures with ease. With our loan program, you can enjoy the following benefits:

  • Affordable Financing: Enjoy lower interest rates and flexible repayment terms suited for your financial needs.
  • No Upfront Costs: Start your desired procedures without financial burden.
  • Achieve Your Dreams: Our loan program empowers you to afford the procedures you’ve always wanted.

How it Works

As a dedicated healthcare provider and business owner, we understand the demands on your time. — that’s why we pride ourselves on making the enrollment process as simple as possible. When you enroll your business with PowerPay, our team will provide comprehensive training, equipping you to offer loans to your patients seamlessly We also offer a range of resources to help your business get started, including mobile links, printed guides, excellent customer service, marketing assistance and even on-demand assistance for any loan-related inquiries.

Once your team has been approved and trained, your patients can apply directly for a loan via our website or yours by simply clicking a link. Our team will promptly review their applications within 24 hours and assist them in selecting the right loan product, including collection of identity, all necessary loan documents, process of stipulations for any applications that might need more work, and funding. For more support, we have a team on stand-by from 8 AM – Midnight (EST) everyday!

PowerPay’s Concierge service is available for healthcare professionals new to patient financing or seeking additional resources to manage the loan process, our Concierge service is here to assist you. By opting for Concierge, your practice will benefit from a dedicated personal finance manager who will handle the time-consuming tasks associated with the loan process on your behalf


of Americans have less than $600 in savings.


of dealers report financing increases their average sale.


of cardholders feel promotion financing makes their larger purchases affordable.

Why You Should Offer Cosmetic Procedure Financing at Your Practice

There are many benefits to offering financing to your patients. To name a few:

  • Grow your client base. Offering loans can help you attract new patients who may not have been able to afford your services otherwise.
  • Increase customer satisfaction. By offering financing, you can make it easier for your patients to get the treatment they need.
  • Improve cash flow. Offering loans can help improve your business’s cash flow by providing you with payment upfront.
  • Decrease cancellations. By removing the obstacle of finances for your patients, they will be able to follow through with receiving your service.

Why might a patient need to finance cosmetic procedures?

Financial constraints can pose challenges for patients seeking affordable access to cosmetic procedures. Whether due to limited upfront funds or the desire to spread costs over time, financing options offer a solution. While certain cosmetic procedures may not be covered by insurance, there are various financing options available to help patients overcome these barriers. With flexible payment plans and tailored financing solutions, patients can undergo cosmetic procedures while managing their budget effectively.

Win More.

Close more sales by focusing on low monthly payments

Keep More.

Eliminate paying fees to banks and finance companies

Earn More.

No more compromising because of cost – upsell the procedure your patient really wants.


Offering Cosmetic Surgery Financing for Medical Professionals FAQ

What types of cosmetic surgeries can be financed through lending institutions?

Cosmetic Surgery Loans are financing loans that cover any medical-related costs associated with surgeries including doctor fees, anesthesia expenses and hospitalization. A few of the specific surgeries covered include tummy tucks, breast augmentation, breast reduction, nose jobs (i.e., rhinoplasty), eyelid surgery (aka blepharoplasty), chin jobs (i.e., mentoplasty), and face lifts are just a few of the procedures covered by cosmetic surgery financing.

To find out exactly which surgeries and procedures are eligible for a loan, contact potential lending providers. It’s important for financing options because many patients have difficulties saving up large sums of money for this expensive lump sum upfront.

How can I offer cosmetic surgery financing to my patients?

There are third-party lenders that work with cosmetic surgery centers to offer patients loans for their surgical procedures. The patient applies for a loan in advance of the surgery, the financing company then takes time to review the loan’s application and provide an approval or denial before any potential surgery is performed. Notably, this requires coordination on the part of the patient, who needs to apply for a loan through a lending partner, but the best lending partners will work alongside your practice to ensure your patients acquire all the information they need before deciding on a cosmetic surgery loan.

If my patient applies for a cosmetic surgery loan, will it impact their credit?

It depends on the loan provider. Some do hard pulls (which can ding your credit score), and some do soft pulls (which don’t impact your credit score). It’s a good idea to ask the loan provider if they do a hard or soft pull, so patients know what to expect.

What is the typical timeframe before a cosmetic surgery loan needs to be paid back in full?

Cosmetic surgery loan providers offer a variety of repayment terms, so it’s important to compare offers before selecting a provider. Some loans may need to be repaid within 12 months, while others may have a repayment period of up to 10 years. It’s important to remember that the longer the repayment period, the more your patients will end up paying in interest. So be sure to ask the lender about any associated fees and whether or not there is an early payoff penalty.

What are patients' payment options?

Other payment options for cosmetic financing include personal loans, lines of credit, credit cards, and paying out of pocket, with personal loans being the most common.

Patients should consider their unique financial needs when making a decision and offering financing through your practice can provide additional support.

PowerPay FAQ: Answers to Top Questions about Offering Loans

Visit the PowerPay business FAQ to learn more about offering patient financing for plastic and cosmetic surgery, as well as answers to other frequently asked questions.