Cosmetic & Plastic Surgery Loans Australia

Every lender on our panel sets its own criteria, so there is no universal approval checklist and no broker can guarantee an outcome. As a general guide, lenders want to see that you are at least 18, an Australian citizen or permanent resident (some accept certain visa holders), and earning a regular income that comfortably covers a new repayment alongside your existing commitments.

Credit history matters, but it is not all-or-nothing. A clean file usually unlocks the sharpest rates, while a thin or imperfect history may still be matched with a lender at a higher rate. Because matching starts with a soft credit check, you can see what is realistic before anything is recorded on your credit file.

A cosmetic surgery loan is not tied to one treatment or one clinic. The same broker-matched personal loan covers surgical procedures such as breast augmentation, rhinoplasty, liposuction, a tummy tuck, or a facelift, as well as combined plans like a mummy makeover, with everything from the surgeon's fee to anaesthetist, hospital, and aftercare costs bundled into one fixed repayment.

If you already know your procedure, the pages below break down typical costs, repayment examples, and the questions worth asking your surgeon before you settle on a loan amount.

Cosmetic treatment is not limited to surgery. Dental implants are among the most commonly financed elective procedures in Australia: a single implant typically costs $3,000 to $6,500, and full-arch All-on-4 treatment runs $20,000 to $50,000, which puts implants in the same financial territory as many surgical procedures. Because the work is elective, private health extras rarely cover much of it.

A loan for dental implants works the same way as cosmetic surgery finance. You borrow between $2,000 and $100,000, pay the dentist upfront like a cash patient, then repay over one to seven years. The loan is not tied to a clinic payment plan, so you can use it at any dentist and combine implants with veneers or other cosmetic dental work in a single application.