Plastic Surgery Financing
Flexible ways to cover cosmetic procedures
- Online application 24/7
- Fixed monthly payments
- Competitive APRs
- Available with bad and limited credit
- No hidden fees
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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When someone decides to undergo any cosmetic enhancements, the cost may add unnecessary stress. As most procedures are elective and not medically necessary, insurance typically won’t cover their cost. That’s why patients face large upfront bills that are typically difficult to manage in a single payment.
Plastic surgery financing from 1F Cash Advance helps spread the cost over time, turning a major expense into scheduled monthly payments, even for borrowers with bad credit.
Key Takeaways
- Plastic surgery financing is a sensible way to convert high upfront costs into structured monthly payments.
- At 1F Cash Advance, this option is accessible to more borrowers as approval decisions are based on more than just credit profiles.
- Financing terms vary depending on the procedure cost and individual eligibility.
Designed for Real-Life Financial Situations
The average cost of rhinoplasty is around $11,000, which is difficult to handle right away. At 1F Cash Advance, the goal is to offer options that work with your financial reality, making your dream enhancements more affordable.
Here are the main benefits of working with us:
Access without pressure
You don’t have to postpone procedures while you keep saving money.
Predictable repayments
Fixed structured payments make planning easier, fitting most budgets.
More inclusive eligibility
Lenders consider stable income and overall financial behavior, not just your credit scores.
Quick review when needed
Fast decisions help avoid delays with already scheduled procedures.
What Plastic Surgery Procedures Are Eligible?
This type of financing can help cover any cosmetic and reconstructive procedures. It allows patients to plan both the surgery itself and related expenses more thoroughly.
Commonly covered procedures include:
- Rhinoplasty or revision nose surgery
- Breast augmentation, reduction, or reconstruction
- Liposuction and body contouring
- Facelifts, eyelid surgery, and facial procedures
- Abdominoplasty (tummy tuck)
- Post-surgical costs
How Plastic Surgery Financing Works
Plastic surgery loans for bad credit often work much like regular personal loans. The application process itself is simple and fully online, with clear steps to take.
Submit an Application
Fill out a short online application form that can be completed at any time. Provide basic personal and financial information so the system can assess your eligibility.
Apply NowGet a Loan Decision
Once your application is reviewed, you’ll immediately get an approval decision. Your credit score won’t be affected due to a soft credit check.
Accept Terms and Receive Funds
If approved, read the terms of your loan agreement. If you are comfortable with them, sign the contract. The funds will be sent to the bank account on the same or the next business day, depending on approval times.
How to Qualify
To apply for a medical loan with 1F Cash Advance, you’ll need to meet these basic requirements:
- 18+ years old
- A U.S. citizen or permanent resident
- Valid government-issued ID and SSN
- Active bank account and routing number
- Proof of a steady source of income
- Proof of address
- Contact information (active phone number and email address)
Plastic Surgery Costs
Prices vary heavily depending on the type of procedure, surgeon’s experience, location, clinic itself, and post-procedure needs and follow-ups. Some of them, such as blepharoplasty, may be considered relatively affordable. Others are extremely expensive and require serious financial planning.
Below are average prices for common plastic surgeries in the U.S. in 2026:
| Procedure | Average Cost |
|---|---|
| Breast augmentation | $7,810 |
| Liposuction | $9,067 |
| Facelift | $19,204 |
| Tummy tuck (abdominoplasty) | $12,148 |
| Rhinoplasty | $11,703 |
| Eyelid surgery (blepharoplasty) | $6,339 |
| Brow lift | $8,659 |
| Breast lift | $9,404 |
Source: RealSelf’s patient-reported averages as of January 2026.
Please note that additional expenses, such as anesthesia, facility fees, and recovery support, are typically not included and are calculated separately.
Costs for a Personal Loan for Plastic Surgery
Personal loan terms are subject to approval based on your income and creditworthiness. Interest rates for borrowers with good credit typically range from 5.99% to 35.99%. The repayment can be made over 12 to 60 months.
The examples below show how payments can change depending on the amount, APRs, repayment terms, and borrowers’ profiles, so you can get a general idea of potential expenses:
| Loan Amount | Repayment Term | APR (Estimated) | Monthly Payment | Total Repayment |
|---|---|---|---|---|
| $5,500 | 24 months | 22.75% | $287.37 | $6,896.90 |
| $6,800 | 36 months | 28.90% | $284.59 | $10,245.21 |
| $9,000 | 48 months | 31.95% | $334.34 | $16,048.34 |
Financing Options for Plastic Surgery at 1F Cash Advance
Each procedure requires different amounts and, as a result, repayment strategies. The choice of the loan type should be based on several factors: the amount you need to borrow and the time needed to repay it.
Installment Loan
Installment loan allows you to borrow up to $5,000 and repay it gradually over a set period, from 2 to 24 months. This option works well for mid-range procedures when you want structured payments, a defined payoff timeline, or already have a portion of the amount needed.
Personal Loan
It is better used for covering larger expenses and for longer repayment periods. With 1F Cash Advance, you can take out from $5,000 to $10,000 with a repayment period of up to 60 months. Personal loan makes sense in the case of comprehensive surgeries or when multiple cosmetic treatments are planned at once.
What Is Plastic Surgery Financing for Bad Credit
Plastic surgery financing for borrowers with credit challenges exists because many people have limited credit backgrounds that don’t reflect their current financial stability. Medical and cosmetic bills don’t wait for credit scores to get better, and traditional banks often decline applications as they base their decisions on the FICO ratings.
At 1F Cash Advance, we look beyond a single number. What really matters here is stable income and the realistic ability to pay back the loan. Our main goal of no hard credit check plastic surgery financing is not to promise guaranteed approval to everyone, but to provide a fair chance to borrowers who can handle monthly payments despite previous issues.
Why Choose 1F Cash Advance
We focus on keeping financing as accessible as possible while maintaining transparency. Here’s what sets us apart from other providers:
Online application process
You can apply anytime from any device.
Broad eligibility criteria
Borrowers who meet basic requirements may qualify, even with a limited credit history.
Secure data handling
Personal and financial information is protected using modern encryption protocols.
Different financing options
Our products can be adjusted to the procedure costs and your current financial capabilities.
Clear terms
Rates, fees, and repayment timeframes are disclosed upfront before you sign anything.
Reviews
Here is what our customers say about their experience:
Frequently Asked Questions
What credit score do you need to finance plastic surgery?
There are no minimum credit score requirements when you work with us. We base our decisions on a borrower’s income and overall repayment ability. Approval depends on meeting eligibility criteria and showing that monthly installments are manageable, rather than on a specific score alone.
What are the best cosmetic surgery financing options?
Most borrowers turn to installment loans and personal loans since they can cover any surgery procedure without restrictions. Some people also use medical credit cards. However, they can cost more and come with restrictions. In situations where a surgery is deemed medically necessary to restore function or correct a defect, you can also use insurance to cover the cost.
Are there any hidden fees?
We charge no surprise fees or commissions. You can see all the terms and conditions of the loan offer before you sign it, so make sure to read it carefully to avoid any issues and confusion.
How much can I get?
Loan amounts depend on the loan type: taking out an installment loan, a borrower may get up to $5,000, while with a personal loan, the maximum amount is $10,000. The approved sum is determined by the borrower’s income and credit profile.
Are your loans tailored for plastic surgeries?
1F Cash Advance personal loans are not limited to plastic surgery and can be used for other needs, such as education or home improvements. Cosmetic enhancements are simply one of the reasons some borrowers choose them. For many people, they offer a practical way to pay for plastic surgery over time.
Will applying affect my credit score?
Applying for an installment or personal loan with 1F Cash Advance won’t impact your score, since applications are reviewed using a soft inquiry instead of a hard credit check.
What is your approval rate?
On average, we approve 91% of all the applications we receive. Our approval decisions depend on borrowers meeting basic eligibility requirements that are designed to be accessible to borrowers with different credit profiles.
How does repayment work?
Payments are withdrawn automatically via ACH from your bank account on a due date over the agreed loan term. Dates and amounts are clearly outlined in advance, so make sure to have the amount needed on the account to avoid NSF or overdraft fees.
What if I don’t repay?
Late or missed payments may result in fees. Even though we don’t report on-time payments to credit bureaus, late or missed ones can be reported, which could negatively affect your FICO score.
Does insurance affect my application?
Insurance coverage does not affect your application or eligibility. Financing decisions are made independently of whether you have insurance, partial coverage, or no coverage at all.
How do you differ from CareCredit and other providers?
CareCredit and similar options often rely on medical credit cards that are linked to specific clinics and work as revolving credit. Cosmetic surgery loans, on the other hand, are typically installment-based, with fixed monthly payments and a clear repayment timeline from the start.