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Explore cosmetic surgery financing options and estimate payments with the calculator below. Compare typical costs and rate ranges for popular procedures, learn what lenders and clinics look for, and get answers to common questions so you can apply with confidence.
Estimate monthly, biweekly or weekly payments for your procedure. Inputs auto-format to dollars and percentages.
Illustrative ranges only. Always compare personalized quotes and clinic fees in your province.
Financing spreads your procedure cost over fixed payments. Many lenders assess credit history, income, and debt levels to set an APR and term, while some clinics partner with financing providers or offer in-house plans. Personal loans provide lump-sum funding you can use at the clinic of your choice. Promotional or zero-interest plans may exist for shorter terms if you meet specific clinic conditions.
Yes. Many lenders work with a wide range of credit profiles. You may start with a higher APR or need a shorter term or co-applicant. Occasionally, for short promos at specific clinics. Missed promo conditions can trigger deferred interest, so read terms closely. Online lenders may decide within hours with funding in one to three business days. Clinic partner programs can be same-day for smaller amounts. A hard inquiry may be required. On-time payments can help build history; missed payments can hurt your score. Many personal loans allow extra payments or early payout without fees. Confirm prepayment terms with your lender. Surgeon fee, anesthesia, facility fee, garments, prescriptions, follow-ups, and potential travel or accommodation if needed.Plastic and Cosmetic Surgery Loans — Compare Costs, Rates and Payments
Cosmetic Surgery Loan Calculator
Typical Cost and Rate Ranges for Cosmetic Procedures
Procedure
Typical Cost (CAD)
Common APR or Cost
Typical Term
Notes
Rhinoplasty
$7,000 – $12,000
8% – 19%+
12 – 48 months
Complexity and revisions affect cost
Breast Augmentation
$8,000 – $14,000
8% – 19%+
12 – 60 months
Implant type and facility fees vary
Liposuction
$4,000 – $12,000
9% – 24%+
6 – 48 months
Cost depends on areas treated
Tummy Tuck (Abdominoplasty)
$10,000 – $18,000
9% – 24%+
12 – 60 months
Extended or fleur-de-lis adds cost
Facelift
$12,000 – $22,000
8% – 19%+
12 – 60 months
SMAS, deep-plane, or mini varies
Hair Transplant
$6,000 – $15,000
9% – 24%+
12 – 48 months
Grafts count drives cost
Dental Veneers/Aligners
$3,500 – $12,000
8% – 19%+
6 – 36 months
Clinic promos may apply
Laser Skin Resurfacing
$1,500 – $6,000
9% – 24%+
6 – 24 months
Device type and sessions vary
Example average costs by procedure
How Plastic Surgery Financing Works
What lenders and clinics review
Eligibility and documents
Tips to lower your cost
Comparing financing options
Risks and considerations
Plastic and Cosmetic Surgery Financing FAQ
Can I get approved with fair or rebuilding credit?
Is zero-interest cosmetic surgery financing available?
How fast can I receive funds?
Will financing affect my credit score?
Can I repay early without penalties?
What costs should my quote include?
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