Financing Plastic & Aesthetic
Surgery Procedures

Low Interest  Ι  Fixed Terms  Ι  Personal Loan

Checking your rate will not affect your credit score

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Plastic & Aesthetic Surgery Financing

Are you considering plastic or aesthetic surgery, but worried about the cost? You’re not alone. Many people are hesitant to undergo surgery for financial reasons. But don’t let that stop you from achieving the look you want. There are a variety of financing options available to help make your surgery more affordable. Keep reading to learn more about your options and how to get started.

The Benefits of Financing Plastic & Aesthetic Surgery with PowerPay 

PowerPay is a healthcare loan provider that offers financing specifically for plastic and aesthetic surgery procedures. Some of our highlights include:

  • Soft credit pulls, so there’s no impact on your credit score.
  • No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
  • Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
  • No hidden application fees, and you can receive funds within days of approval.
  • Excellent customer service available to help you through every step of the process.

How does a PowerPay loan work?

Applying for a cosmetic surgery loan with PowerPay is easy! You can fill out our online application via our website, or your doctor can send you a customized link. You will provide some basic information about yourself and your finances, including your treatment plan and driver’s license information.

Once you have been approved for your loan, your provider will be funded for the cost of your procedure. After your procedure is complete, you will begin making payments to PowerPay within 30 days, with monthly payments based on your chosen loan terms. You can also pay off part or all of your loan early without any prepayment penalties.

If you’re considering plastic or cosmetic surgery, PowerPay can help finance it by providing loans with competitive rates and no hidden fees that may make financing less complicated than paying out-of-pocket for plastic or aesthetic surgeries.

Each of these options have their own advantages and disadvantages, so it’s important to choose the option that is best for you.

Industry best program

Up to 72 month terms, rates 9.99% to 12.99%
and max loan of $35,000

Streamlined process

Instant decisions and electronic loan documents
create a fast, easy flowing process

No prepayment penalties

Pay off part or all of the loan at any time
with no fees

Additional Plastic & Aesthetic Procedure and Service Financing Options


A major surgery that removes excess skin and fat from the abdomen, and tightens muscles

Body Contouring CoolSculpting

Also known as Cryolipolysis, this is a body contouring method that targets stubborn fatty tissue by freezing it

Breast augmentation

Also known as augmentation mammaplasty, this is breast enlargement by surgery

Eyelid surgery

Also known as blepharoplasty, this is a cosmetic surgery to remove excess skin or fat from the eyelids


Also known as rhytidectomy, this is a cosmetic surgical procedure to create a younger appearance in your face

Mini facelift

A modified version of a traditional facelift where small incisions are used around your hairline to help lift the lower half of your face to help correct sagging skin

Mommy makeover

A specialized combination of body contouring procedures performed together to improve the physical changes that linger long after pregnancy

Nose job rhinoplasty

Surgery on the nose to change its shape or improve its function

Cosmetic surgery

The process of reconstructing or repairing parts of the body by the transfer of tissue for cosmetic reasons

Reconstructive surgery

A procedure that restores the body after an injury, a disease, or it corrects defects you were born with

Skin Tightening

The improvement of skin laxity and crepiness of the skin

Tummy tuck

A surgical procedure to correct the apron of excess skin hanging over your abdomen

Calculate your plastic or aesthetic surgery monthly loan payment

Term (In Months)

Interest Rate

What are plastic surgery and aesthetic surgery?

Plastic surgery is a type of surgery that reshapes or restores the appearance of body parts, while aesthetic surgery is a type of plastic surgery that improves the appearance of someone’s features.

Why would someone need or want plastic or aesthetic surgery?

There are many reasons why people might choose to undergo plastic or aesthetic surgery. Some of the most common reasons include:

  • To improve self-esteem or body image
  • To correct a physical deformity
  • To restore function to a body part after an injury
  • To look younger

Does medical insurance cover plastic and aesthetic surgery procedures?

Many insurance companies do not cover plastic and aesthetic surgery procedures, but it depends on your specific policy and need for the surgery. For example, if you have a deformity that affects your ability to work, your insurance company may cover the cost of reconstructive plastic surgery.

You should check with your insurance company to see if they will reimburse you for some or all of the cost of your surgery. The amount that they will reimburse you may be limited, so it’s important to have a good understanding of what your costs will be before you schedule any procedures.

What are the typical costs of plastic surgery or aesthetic surgery procedures?

The typical costs of plastic and aesthetic surgery procedures vary widely depending on a variety of factors, such as the type of procedure, the intensity and complexity of the procedure being performed, the cost of materials needed for surgery, surgeon experience, operating room or facility costs and so on.

For example, the average costs of some of the more popular plastic and aesthetic surgeries are below:

  • Breast augmentation: $4,000 – $8,000
  • Rhinoplasty: $4,500 – $12,000
  • Liposuction: $2,500 – $6,000
  • Tummy tuck: $5,000 – $11,000

What are the payment options available for plastic surgery or aesthetic surgery?

There are a variety of payment options available for plastic and aesthetic surgery. Some people choose to pay out of pocket while others use credit cards, take out personal loans, or a line of credit and some even pay for aesthetic and plastic surgery procedures through healthcare loans.

Each of these options have their own advantages and disadvantages, so it’s important to choose the option that best suits your unique financial situation. One of the best ways to finance your procedure is through a service like PowerPay, a company that works with both patients and providers to offer loans specifically for plastic and aesthetic procedures.

Save Time.

2-minute application, instant decisions, electronic docs

Save Money.

with rates from 4.99% and up to 20-year terms, you get the lowest monthly payment

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make your dream home a reality- buy now and pay over time


Plastic Surgery & Cosmetic Surgery Financing FAQ

Can you finance plastic surgery and aesthetic surgery?

Yes. You can finance plastic and aesthetic surgery through a variety of methods, including medical loans, credit cards, and third-party financing.

It’s important to do your research before financing any type of surgery. Make sure you understand the terms of any loan you take out and be sure to shop around for the best rates. By choosing a reputable surgeon and financing your surgery responsibly, you can enjoy the benefits of plastic and aesthetic surgery without putting yourself in debt.

How can I best finance plastic surgery or aesthetic surgery?

A healthcare loan is the best way to finance plastic and aesthetic surgery. A healthcare loan is a type of loan specifically designed to help people pay for medical procedures. Healthcare loans are typically unsecured, meaning you don’t need to put up any collateral in order to get approved. This makes them a great option for people who don’t have any assets they can use as collateral, like a home or a car.

Healthcare loans also tend to have lower interest rates than other types of loans, so you’ll end up paying less in interest over the life of the loan. And because healthcare loans are designed to help people pay for medical procedures, they often come with no prepayment penalties.

How to get approved for plastic and aesthetic surgery financing?

The first step to getting approved for a plastic or aesthetic surgery loan is to fill out an online application. You can do this directly through a lending platform’s website. When you submit your application, be sure to have the following information handy:

  • Your name, Social Security number, and date of birth
  • Your employer’s name and address
  • Your annual income and assets
  • The amount you want to borrow

After you submit your application, a lending partner will review it and let you know if you’re approved.

How does financing work for plastic surgery and aesthetic surgery?

After your plastic surgery or aesthetic surgery loan is approved, the money is released to the medical provider. You will then make monthly payments to the lender until the loan is paid off. Most lenders offer payment plans that fit your budget.

If you’re considering a plastic surgery or aesthetic surgery loan, be sure to compare interest rates and terms from different lenders. Some lenders may have lower interest rates, while others may offer longer repayment terms. Make sure you choose a lender that offers a payment plan you can afford.

What is the average APR of plastic surgery and aesthetic surgery loans?

The average APR for a healthcare loan is around 15%. The average APR for a plastic surgery loan is around 20%. So, there is a bit of a premium to get plastic surgery financing. This higher rate is because there is more risk associated with loans for plastic and aesthetic surgery. As with any type of surgery, there is always some risk of complications.

Some lenders offer lower rates to people who have good credit scores. Others may charge a higher interest rate if the surgery is considered to be riskier. It’s important to shop around to find the best deal on a plastic surgery loan.

PowerPay Plastic & Aesthetic Surgery Loans FAQ

For more information and answers to the top questions asked about PowerPay loans, visit our borrower financing FAQ page.