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Simple and fast borrowing
We offer quick cash loans of $500 to $5,000 with flexible, customised repayments tailored to suit you. Our simple, fast and stress-free loan process can be done completely online or over the phone.

Cosmetic Surgery Loans

Are you looking for a cosmetic surgery loan? Secure a loan in 3 simple steps!

We are always upfront and transparent about our costs – no hidden fees or charges.

  • Loans for the unemployed up to $5,000
  • Fast Online Application & approval
  • Flexible repayment options
  • If approved – receive funds the same day!

Calculate your loan repayments

Your loan amount
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  • Credit Costs
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  • Total Payable
Repayments are indicative only and based on our assessment of your application. Minimum repayment term is 12 weeks and maximum is 52 weeks. Max APR is 48%.

Are you considering getting cosmetic surgery but finding the cost too much of a burden? Thankfully there are particular loans for people who want to make cosmetic changes to their bodies. A loan specifically designed for those looking to finance their cosmetic surgery could be the perfect way for you to get the look you’ve always wanted—without all the financial stress! But before taking out a loan, it’s essential to know the details about cosmetic surgery loans. This will help you make the best decision for your situation.

At City Finance, we understand that cosmetic surgery can be expensive, and we want to make it easier for you to finance. With our loan product specifically designed for cosmetic procedures, you’ll be able to access the funds you need quickly and easily. We offer competitive rates and flexible repayment plans so that you’re able to get the look you want while also staying on top of your loan payments.

How to Apply for a Cosmetic Surgery Loan With City Finance?

If you’re considering cosmetic surgery, it can be a significant financial commitment. That’s why City Finance offers convenient loans to help cover the cost of your procedure. We understand that undergoing plastic surgery is an important decision, and we want to make sure you have all the resources available to make it as stress-free as possible. If you’re interested in applying for a cosmetic surgery loan, there are three key steps to keep in mind such as:

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Online application

Applying for a cosmetic surgery loan with City Finance is like taking out any other type of personal loan – it’s easy, fast and convenient! Our online application form takes minutes to fill out, and all you need to do is provide us with some details about your finances and yourself. We’ll use this information to assess your eligibility for a loan, plus determine exactly how much cash we can lend you. With this process, you can get a decision within 24 hours so you can quickly move forward with your plans.

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Looking for a cosmetic surgery personal loan could feel overwhelming, but with our helpful team guiding you along, the process can be quite straightforward. After you submit your online application, we’ll give you a call to discuss available loan options and terms. Once everything looks good, move forward with confidence towards confirmation. Then it won’t be long before your medical loan is in your account – so you can stop worrying about finances and start thinking about taking your cosmetic surgery journey to the next step!

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The last step in such an unsecured personal loans application is the funding section. We understand how difficult and stressful it can be to borrow money, so we strive to make our loan process as easy and stress-free for you as possible. In most cases, you will receive the funds by the end of the same day if you are approved – no need to wait days or weeks. Plus, your repayment plan is adjustable to meet your needs such as weekly, fortnightly or monthly intervals. With such a transparent and accessible approach, no matter what your reason for needing a loan such as finance cosmetic surgery – you can get the amount you need in a safe and secure way.

What Are Cosmetic Surgery Loans?

Cosmetic surgery loans are, in a sense, like personal loans; the big difference being that the loan money is used exclusively for cosmetic procedures or treatments. This means that you won’t need to compare personal loans when considering your options for financing your desired cosmetic procedure: you can compare and obtain a loan specifically tailored to your procedure by getting it through a medical practitioner’s office. Typically, these loans offer low-interest rates and flexible payment plans catering to an array of budgets, allowing patients to get the aesthetic they desire while managing debt in an eventual and continuous way.

Am I Eligible for a Cosmetic Surgery Loan?

If you’re considering cosmetic surgery, you may be wondering if you qualify for financing. The good news is that applying for a loan with us is hassle-free and mostly paperwork-free! We strive to make our process accessible to everyone 18 or over who has some form of steady income – even if it’s from government benefits. All we require is a quick online application, some of your bank statements, and a valid form of identification. Plus, we don’t judge applicants based on their credit; we also evaluate applicants with poor credit. So get in touch with us today and find out what you could qualify for!

What Information Do I Need To Provide to Apply for a Cosmetic Surgery Loan?

When applying for a cosmetic surgery loan, you’ll need to provide several pieces of information. This will help the lender assess your eligibility and determine if they can offer you a loan. The exact requirements vary depending on the lender, but here is an overview of what you might need if you are considering taking out a loan with City Finance:

  • A copy of your ID
  • A short application form with details such as your address and phone number
  • 90-day history of bank transactions
  • Proof of your income (either wages or Centrelink benefits)

Can I Apply for a Cosmetic Surgery Loan on Centrelink?

Yes, you can apply for a cosmetic surgery loan if you are receiving Centrelink payments. This type of loan is designed specifically for individuals who need financial assistance to cover the cost of cosmetic surgery procedures. These loans provide the necessary funds to help you with the process and pay off any associated costs, such as hospital fees, anesthesia fees and other related expenses. Knowing that this type of loan is available to you can help alleviate some of the financial stress associated with cosmetic surgery procedures.

Why Choose City Finance?

We believe that looking into the right loan option is an important choice, which is why we are here to offer our expertise. When it comes to cosmetic surgery loans, choosing City Finance can help you make an educated decision. We understand the worries that come with taking out personal loans, and we want to try and put your mind at ease. As a lender with more than a couple of years of experience in providing financial solutions for Australians, you can be sure you’ll have trusted advice through the whole process. Our team will walk you through the various loan options available to ensure we find one that works best for you.

What Can I Use a Cosmetic Surgery Loan For?

Elective cosmetic surgery is a decision that requires careful consideration. Whether you’re looking to enhance your appearance or correct something you’ve been bothered by for some time, there are plenty of options available.

Common Cosmetic Surgery Procedures

  • Facelift: As you age, your skin loses elasticity, and you may notice wrinkles, sagging jowls or other signs of aging. A facelift can reduce wrinkles on the forehead and around the eyes, as well as tighten drooping cheeks and necklines.
  • Brow lift: A brow lift is a procedure that helps to reduce wrinkles and deep furrows on the forehead and around the eyebrows. It can also help to elevate sagging eyebrows, giving the face a more rested appearance.
  • Facial fillers: When injected into the face, facial fillers help to plump up areas that are sagging or wrinkled due to age. Fillers can be used to minimize wrinkles around the mouth and eyes or even create fuller lips.
  • Chin implant:  A chin implant is a procedure used to improve the shape of the chin. It can help to create balance in the face and give it a more excellent definition. When done properly, a chin implant can give the face a more attractive and youthful appearance.
  • Breast augmentation: Breast augmentation is a procedure used to increase the size of breasts or improve their shape. It can also be used to correct asymmetry in breast size and shape or restore volume lost due to pregnancy or weight loss.
  • Rhinoplasty (nose job): Rhinoplasty is a popular cosmetic surgery procedure that can be used to reshape or resize your nose, giving it better symmetry. It can also help to reduce the size of your nose or make it appear longer or shorter.


How much can I borrow?

At City Finance, you can apply for loans between $500 and $5,000. Your loan amount will depend on your individual circumstances.

What credit score is needed for cosmetic surgery financing?

You don’t need a perfect credit score to qualify for a cosmetic surgery loan. City Finance looks at each application individually and assesses the applicant’s overall financial situation, not just their credit rating.

What interest rate can I expect?

City Finance offers competitive interest rates. You don’t have to worry about paying too much interest on your loan – we keep interest rates as low as possible.

Is it safe and secure to apply for a cosmetic surgery loan?

Absolutely. City Finance uses the latest encryption technologies and takes your security seriously. We also have friendly customer service staff that can answer any questions you may have about our application process or loan terms.

Great service! Highly recommend!!

Donna and Justine went above and beyond to make it an easy process and I couldn’t recommend them more in the future they have really made this a breeze! 11/10 service!
Aellis, 18 September 2020

City Finance are truly remarkable

City Finance are truly remarkable. They are willing to listen, understand and help. They have backed me, stood by me through personal upheavals. A company that goes the extra mile. Thank you.
Ms Laura Dean, 15 November 2020

Thank you to Sue & the team

Thank you to Sue and the team at City Finance! Excellent service, fast. Very friendly and easy. Approval money within the hour. Would have no hesitation in using them again in the future and I would highly recommend them to anyone.
Mr Scott Lord, 20 November 2020

Fast and friendly service

Fast and friendly service. I have been with City Finance for a while and wouldn't think of going anywhere else. Thank you
Mr John Lye, 13 July 2020

Contact Us

07 3458 9200