Cosmetic Surgery Loans in Canada
Achieve your best self with a Spring Financial cosmetic surgery loan. Ready to apply? Enter your email and get up to $35,000 today.
Financing Cosmetic Surgery with Spring Financial
Spring Financial removes the financial woes from cosmetic procedures. Whether you’re seeking surgery for aesthetic reasons or medical needs, our flexible solutions ensure you can confidently pursue your desired transformation.
How do you pay for plastic surgery in Canada?
Personal Loans
Personal loans offer a reliable and simple way to finance cosmetic surgeries. With a speedy approval process and fixed rates, you know how much your monthly payments will be. They’re versatile for minor and major surgeries and are advantageous if you have strong credit, which often leads to terms that make cosmetic surgery financing more affordable.
Spring Financial has been providing loans for cosmetic surgery for over a decade, offering as much as $35,000 with rates starting at 9.99%*. Funds are often available as soon as thesame day we receive your application.
Credit cards
Using a credit card requires caution. Many clinics don’t accept card payments, and high rates might increase debt. Charging over 30% of your limit can hurt your credit score, and unpaid balances accumulate interest over time.
Lines of credit
Lines of credit provide customizable financing for your desired procedure, allowing withdrawals up to a set limit. Yet, variable rates can cause cost fluctuations and long-term debt if only minimum payments are made. A 600 credit score is often the minimum requirement for many lenders.
Payment plans
Many clinics offer payment plans that work like loans because they spread the cost of your procedure over time. Terms depend on the clinic; some offer interest-free options, while others may have shorter or longer amortization periods.
Get the financing you need to achieve your dream look with Spring Financial. Apply now for competitive rates and fast approval. Applying doesn’t affect your credit score and takes less than 3 minutes!
Cosmetic Surgery Financing for Bad Credit
Secured Loans
If you have bad credit, offering assets as collateral could help secure a loan with lower rates. Secured options like home equity lines of credit and vehicle title loans can help make this possible. Failing to pay your loan, though, could result in losing the collateral you pledged.
Guarantor Loans
If your credit isn’t up to par and you’re not obtaining preferential terms, a guarantor loan could help pay for cosmetic surgery. If someone with a strong credit profile co-signs, you could get better terms. Remember, your guarantor’s credit is at risk if you fail to repay the loan.
At Spring Financial, we offer options to help boost your credit profile and set you up for future borrowing success. Apply today to our credit program and watch your credit file climb higher.
Apply in 3 easy steps
Fill out our secure online application
Say goodbye to branch visits and long queues – everything can be done from the comfort of your device.
Get approved
Our dedicated team will promptly review your application and provide you with an approval within a matter of hours.
3. Receive your funds!
Once approved, receive your funds swiftly through a convenient e-Transfer directly to your bank account!
Cosmetic Surgery Loan Eligibility
For loan applications, most lenders will ask you to submit documents that prove your identity, address, residency status, employment and financial information like income and debt. At Spring Financial, we welcome applications from all credit scores, with as quick as same-day approval for loan amounts up to $35,000.
Why choose Spring?
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Bank Loans
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Credit Cards
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Payday Loans
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Max Amount
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$35,000
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$50,000
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$10,000
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$1,500
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Interest Rates
From |
9.99%
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9.99%
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$19.99%
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200-450%
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Fully Online Application
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Fast Approval
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e-Transfer
Delivery |
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Max Amount
$35,000 |
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interest Rates From
$9.99% |
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Fully Online Application
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Approval within
Hours |
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Same-Day
E-Transfer |
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Bank Loans
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Max Amount
$50,000 |
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interest Rates From
9.99% |
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Fully Online
Application |
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Approval within
Hours |
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Same-Day
E-Transfer |
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Credit Cards
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Max Amount
$10,000 |
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interest Rates From
$19.99% |
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Fully Online
Application |
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Approval within
Hours |
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Same-Day
E-Transfer |
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Payday Loans
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Max Amount
$1,500 |
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interest Rates From
200-450% |
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Fully Online
Application |
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Approval within
Hours |
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Same-Day
E-Transfer |
*Information is based on avarages and may vary by institution or lender. It is not intended to address specific circumstances or any individual case.
Government and Provincial Assistance for Cosmetic Surgery in Canada
Are there provincial programs that provide plastic surgery financing in Canada?
Some provincial health insurance plans may cover surgeries, but it’s typically limited to necessary procedures, such as breast reconstruction surgery. Eligibility criteria vary by province and require detailed assessments conducted by a medical professional to determine necessity.
Is there a government-funded tummy tuck in Canada?
Government funding for a tummy tuck isn’t available in Canada. Since tummy tucks are deemed purely voluntary surgical procedures, they’re generally not covered by any provincial insurance provider. If you want a tummy tuck, you’ll likely need private financing like personal loans.
Calculate your payments
You have questions,
we have answers.
What financing options are available for breast implants in Canada?
Breast implant costs can range from $10,500 to $14,500, and insurance coverage depends on medical necessity. Breast augmentations are usually not covered for aesthetic purposes, though reductions could be covered if they tackle discomfort or health issues; including reconstruction after illness. So if you’re after aesthetic goals, you’ll probably have to pay out of pocket.
How do you finance a tummy tuck in Canada?
Tummy tuck costs can start at $5,000 all the way to $14,000. Tummy tucks are generally considered cosmetic, so you’ll likely need to finance them out of pocket. Other types of procedures not typically covered by insurance include face lifts, botox, fillers and hair transplants.
What are the benefits of using a personal loan to finance cosmetic surgery?
Personal loans are reliable, simple, and have an easy process. The loan amount, provided as a lump sum, is usually versatile enough to support both a minor procedure and a premier medical procedure. They typically come with fixed rates that keep your monthly payments the same, so you’ll always know exactly what to expect regarding costs. Whether for cheaper or high-cost surgeries, personal loans are particularly advantageous if you have a strong credit history and a good credit score. These elements often lead to favourable terms, which make cosmetic surgery financing affordable and accessible. You should compare offers from different lenders to find the best loan terms and rates.
Should I use my credit card to pay for plastic surgery?
Using a credit card to pay for plastic surgery requires careful consideration. Their interest rates are among the highest compared to other financing solutions.
What should I know about using a line of credit to finance cosmetic surgery?
Lines of credit allow you to withdraw funds as needed, up to a set limit. They feature variable rates, which means your payments could be volatile and change over time. Your credit score plays a crucial role in the terms you receive. Lenders usually require a minimum score of 600 for credit approval, with higher scores improving your chances of securing a low interest rate. Understanding how credit works can help you manage your finances more effectively when using this option.
How do payment plans work?
Many Canadian plastic surgery clinics offer payment plans that help you manage procedure costs more easily. Be sure to review the terms carefully for any payment plan, as additional costs like administrative or origination fees may apply. Understanding these details can help you choose the option that best fits your financial situation, whether you’re focused on achieving aesthetic goals or addressing medical needs.
What types of secured options are there to finance plastic surgery?
Secured options like home equity lines of credit and vehicle title loans can help fund your surgery. You should exercise careful consideration when opting for secured personal loans and assess your ability to fully repay both principal and interest. Failing to do so could result in losing the collateral you pledged.
How long does it take to get approved for a loan?
The approval time varies depending on the lender. Some lenders are able to approve your application within hours, while others might take a few business days.
How do you make informed decisions when choosing a loan for cosmetic surgery?
Before looking for a cosmetic surgery loan, make sure that you know the full cost of the procedure as a first step. Consulting with a medical professional directly can provide insight into potential costs. For most loans, a credit check is usually required to to assess eligibility and determine available loan options. You should evaluate various terms ranging from short to long-term to find a plan that meets your needs and financial position. It’s also a good idea to ask lenders if they have any prepayment penalties since you could save money on interest rates if you choose to pay the loan off early. Many try shooting for lower interest rates that don’t strech out over a long period.
Who provides cosmetic surgery financing options?
Some surgery financing companies include:
- Spring Financial
- Credit Medical
- Some surgeons and clinics
About Spring Financial
Apply From Your Device and Say Goodbye to Financial Stress
Experience the most convenient and hassle-free loan application, specifically designed for Canadians, by Canadians. Apply, get approved, and receive the funds via e-Transfer, all from the comfort of your device. Say goodbye to long queues and tedious paperwork! Our process is intentionally designed to be simple, fast, and straightforward.