Plastic surgery financing

Cosmetic surgery financing

Personal Loans through Prosper can take the stress out of plastic surgery financing.

Checking your rate will not affect your credit score
Pretty woman getting dressed in front of a mirror at home

Why use a personal loan to finance plastic surgery?

When insurance won’t cover your procedure, personal loans through Prosper offer a simple, flexible, and fast option to help cover cosmetic surgery. 

Checking your rate will not affect your credit score

Get the procedure you want. Prosper can help.

Depending on the type of cosmetic procedure you want, out of pocket expenses can add up. Rather than depleting your savings or using high-interest credit cards, you may want to consider cosmetic surgery financing. 

Understanding the kinds of costs involved with cosmetic surgery can help you evaluate your financial situation and whether plastic surgery financing may be right for you.

Surgical fees

The primary cost of cosmetic surgery is the surgical fees. Costs are based on the type of procedure and the surgeon’s training and expertise. Don’t look for a bargain—work with an experienced plastic surgeon you trust.

Facility fees

The surgical facility or hospital where you have cosmetic surgery may charge fees for use of the operating room, equipment, and facility staff.

Number of treatments

Some cosmetic procedures may require additional treatments, touch-ups or multiple rounds.

Pre-operative expenses

Depending on the procedure and your provider, there may be a variety of appointments and tests to undergo before surgery. These can include bloodwork, X-rays, and consultations.

Recovery and post-operative expenses

Costs after surgery often include medications and follow-up appointments. Taking unpaid time off work for your procedure? Use your cosmetic surgery financing to help cover living expenses while you recover.

Travel expenses

It’s common to travel to meet with a renowned specialist or provider of your choice. Traveling for surgery will add expenses for transportation and hotel to your budget.

Fast, flexible funding when you need it

Plastic surgery financing through Prosper gives you the funds you need to make your dreams a reality.
  • Get an offer fast: An easy online application process will let you know what you qualify for within minutes.
  • No rate hikes or payment increases: A simple payment schedule for a set term of 2-5 years¹ gives you peace of mind. There are no rate hikes or payment increases.
  • No prepayment penalties: Pay off your loan sooner if you wish—there’s no penalty for paying off early when you get financing through Prosper for your plastic surgery.
  • Fixed rates range from 6.99% to 35.99% APR¹: Prosper offers reasonable interest rates based on your credit history and unique financial situation, providing affordable funds.
  • Flexible usage: Funds go directly to you, allowing you to use them however you need. From booking your appointment to supplies you’ll need for recovery, Prosper gives you the financial flexibility to handle your expenses.
  • Fast funding from $2,000-50,000¹: Personal loans through Prosper are disbursed as quickly as the next business day² after approval, giving you access to the funds you need right away.

Checking your rate will not affect your credit score



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1 For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 1% and 5%. Personal loan APRs through Prosper range from 6.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Your actual rate depends on credit history, income, loan term, and other factors. The average APR for a funded 3-year personal loan between January 1, 2022 and December 31, 2022 was 22.48% APR. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions.


2 You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s ability to quickly process the transaction.


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