Is TLC cheaper than CosmediLoans for cosmetic surgery?

Sometimes, but rarely for a typical borrower. TLC's rates typically start around 9.99% p.a. CosmediLoans compares 20+ lenders including specialist medical lenders with rates from 6.99% p.a. The only way to know for sure is to check both — and because CosmediLoans uses a single soft inquiry, comparing first costs you nothing.

Does TLC offer loans for dental implants?

Yes, TLC finances dental procedures including implants, veneers, and All-on-4. Their cap is typically $50,000, which covers most single-arch cases but may fall short for full-mouth restorations. CosmediLoans' panel covers dental procedures up to $100,000.

How long does TLC take to approve a loan?

TLC typically returns decisions within 24–48 hours. CosmediLoans' broker network includes lenders with same-day and near-instant approvals, with funds disbursing in 1–3 business days.

Does applying to TLC affect my credit score?

TLC typically performs a hard credit inquiry on full applications, which can leave a small mark on your credit file. CosmediLoans' initial rate check is a soft inquiry with no impact, letting you compare offers before committing to any hard-check application.

Can I use TLC for bariatric surgery in Australia?

Yes, TLC explicitly finances bariatric and weight-loss surgery. CosmediLoans also covers bariatric surgery and compares multiple lenders to find the lowest rate for a procedure that often costs $18,000–$30,000.

CosmediLoans vs TLC: Which Medical Loan Is Better?

Last reviewed: 24 April 2026

Quick Verdict

TLC (tlc.com.au) is an Australian specialist medical lender focused on cosmetic surgery, dental, and bariatric loans, typically lending $2,000–$50,000 at advertised rates starting around 9.99% p.a. CosmediLoans compares TLC alongside 20+ other medical-friendly lenders through a single broker-matched application, with rates from 6.99% p.a. and amounts up to $100,000. TLC is a reasonable direct option if you already know their rate beats the market; CosmediLoans is the lower-risk choice if you want the cheapest offer verified across multiple lenders.

Feature Comparison

Feature	CosmediLoans	TLC
Maximum Amount	$2,000 – $100,000	$2,000 – $50,000
Interest Rate	From 6.99% p.a. (personalised)	From ~9.99% p.a. (risk-based)
Repayment Term	1 – 7 years	1 – 5 years (typical)
Lender Options	20+ lenders compared	Single lender (TLC only)
Specialisation	All medical procedures + vet + debt consolidation	Cosmetic, dental, bariatric
Credit Check	Soft pull (no impact)	Hard pull on application
Approval Speed	Same day	24–48 hours
Best For	Best rate across the market, any procedure	Borrowers set on TLC's product

How CosmediLoans Works

CosmediLoans assigns you a broker who compares fixed-rate medical loans across 20+ lenders, including specialist medical lenders and mainstream personal loan providers. One soft-check application returns multiple offers ranked by total cost.

How TLC Works

TLC is a direct lender specialising in medical and cosmetic procedure loans. You apply on their site, they perform a credit assessment, and if approved provide a single fixed-rate offer. Rates depend on your credit profile and the procedure type.

Who Should Use Which?

Choose CosmediLoans If…

You want to know TLC's rate is actually competitive before committing
Your procedure falls outside TLC's cosmetic/dental/bariatric focus
You need a loan above $50,000
You'd rather a broker negotiate than apply directly
You want to avoid a hard credit inquiry unless necessary

Choose TLC If…

You've compared TLC against the market and their offer is lowest
You prefer working directly with a single specialist lender
Your procedure specifically aligns with TLC's core cosmetic/dental/bariatric focus

Related Procedures

Bariatric Surgery Loans

$10,000 – $30,000

Dental Loans

$3,000 – $50,000

Liposuction Financing

$4,000 – $20,000

Breast Augmentation Loans

$8,000 – $20,000

Frequently Asked Questions

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