Personal
loans for
kicking goals

Low rates starting from 6.74% p.a. (comparison rate from
8.13% p.a.*) with money in your bank account in as little as
60 minutes.

Won’t impact your credit score!
Won't impact your credit score!

Estimate your repayments

Find out how much your repayments and interest rate could be with our calculator.

Enter your loan details

$

Don’t know your score? Check for free

Estimated monthly repayments

$910.72

Example interest rate

6.74% p.a.

Comparison rate*

8.13% p.a.

Total charges

$1,857.28

Total repayments

$21,857.28

It won’t affect your credit score!

Check our rates and fees

Interest rate (p.a.)

6.74

% p.a.

up to

24.49

% p.a.

Comparison rates (p.a.)*

8.13

% p.a.

up to

25.87

% p.a.
Won’t impact your credit score!
Won't impact your credit score!
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.

Establishment fee

$395

Loans up to $15,000

$495

Loans above $15,001


Loan term

3 to 7 years


Our fees

$10

Monthly fee

$0

Early exit fees

*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.

Why Cosmetic Loans Could Be Helpful



Cosmetic surgery can be a heavy expense, which may have led you to consider cosmetic loans. With the many providers of cosmetic surgery loans out there, it can be difficult to determine where to seek flexible surgery financing.

At MONEYME, we offer personal loans that could be used to fund your upcoming procedure, contributing to a hassle-free experience. But first, let’s talk about some benefits of a plastic surgery loan.



Benefit #1: It could ease your upfront costs

Cosmetic loans are designed to alleviate the financial stress of medical procedures by enabling patients to distribute the total cost into smaller, more manageable payments. This flexibility allows individuals to plan financially without the immediate strain of a lump sum payment.

The benefit of spreading costs is that it could ease the payment process and make advanced treatments accessible when needed without delay. After all, those seeking plastic surgery payment plans likely don't want to delay treatment, especially in cases meant to relieve pain and discomfort or address burns and physical trauma.

A significant benefit of cosmetic loans is immediate access to funds. Patients could undergo necessary procedures without waiting to have enough funds saved up. A cosmetic procedure loan that accelerates the timeline from consultation to surgery could be useful for time-sensitive treatments where waiting is not an option or if you don't want to wait to have a procedure that could benefit you now.



Benefit #2: It could enhance access to quality care.

A cosmetic surgery loan could enhance access to quality medical care by providing the financial means to choose from a broader array of surgeons and medical facilities. Of course, better facilities and doctors could potentially improve the success and safety of cosmetic procedures.

The financial flexibility provided by a medical loan could help a patient receive quality care, especially if they need specialised attention for complex procedures, such as rhinoplasty or reconstructive surgeries.

Benefit #3: It could potentially help you save on interest.

When it comes to financing options, people typically choose between credit cards and medical loans for plastic surgery. While credit cards can be convenient, they also typically have higher interest rates. If you can't pay off the total amount right away, it could cost you more on interest in the long run. 

On the other hand, cosmetic loans generally have lower interest rates and terms ranging from three to five years, so they could be more suitable if you're planning to pay off the total cost over time. With a loan for cosmetic surgery, patients could focus on recovery and the positive aspects of their decision rather than dwelling on the cost.

 

Frequently Asked Questions (FAQs)

 

How do cosmetic loans work?

Can you get a loan for surgery? Cosmetic surgery finance offers could provide a financial pathway for those seeking enhancements or reconstructive work that are done by a plastic surgeon. These loans are specialised financing options designed to cover the costs associated with various cosmetic procedures. Typically, they are offered through third-party lenders in collaboration with cosmetic surgery centres. 

You may have tried to secure a bank loan for surgery in the past, only to be disappointed or burdened by rates and terms that don’t suit your lifestyle and specific needs. At MONEYME, we may be able to provide what you need.

Now, you don’t have to wait for surgery loan eligibility from third-party lenders affiliated with your preferred surgery centre. Our personal loans could be used flexibly as plastic surgery loans, they could cover the upfront cost of your surgery and postoperative costs, allowing you to make manageable payments over time.

What are the requirements to qualify for cosmetic loans?

Eligibility for cosmetic loans can vary by lender, but generally, applicants need to meet certain criteria to qualify for quick cosmetic loan approval.

In the case of personal loans offered through MONEYME, applicants must be Australian citizens, New Zealand citizens, or permanent residents who are over 18 years old and currently employed with an annual income exceeding AUD$30,000 to be eligible.

What types of cosmetic procedures can be covered by a loan?

Cosmetic loans options are versatile and can cover a wide range of procedures. This could range from popular aesthetic surgeries like breast enhancements, tummy tucks, and nose jobs. It may also cover medically necessary surgeries such as rhinoplasty for a deviated septum or breast reductions to alleviate severe back pain.

With MONEYME, personal transformations could be more attainable with the help of our personal loans. If you are eligible for our loan products and the cost of the surgery falls within your loan amount, you could have the cosmetic surgery financing you need.

MONEYME: Redefining the lending experience

At MONEYME, our innovative approach to finance simplifies the process of applying for loans, making it quick, straightforward, and stress-free. Whether you’re looking to make a big purchase, consolidate debt, undergo a medical procedure, or simply manage day-to-day expenses, MONEYME offers a variety of products tailored to meet your needs.

Our easy application process means eligible borrowers could receive a decision in as little as 60 minutes, with funds transferred right away if approved, depending on who they bank with. Our products include personal loans for bigger purchases, debt consolidation loans to simplify your debts, virtual credit cards for everyday spending, and autopay car finance solutions. 

We ensure that our finance options work for you, not against you, with no early repayment fees, giving you the control to manage your finances your way. We also provide a convenient experience through our comprehensive app, where you can check balances, make payments, and even check your credit score for free, all within a user-friendly interface.

MONEYME is a dynamic supporter of your personal and financial journey. Check your personalised rate and repayments today and discover how our personalised solutions could help you take the next step towards your goals.

How to apply

1 Check your rate and repayments

You can get a conditional loan offer in just minutes
without impacting your credit score!

2 Submit your application

Review your loan offer, accept it, and you’ll get an
approval outcome typically within 60 minutes.

3 Same-day transfer

Once approved, we’ll transfer the money to your bank
account immediately, even on weekends.

Must be Australian citizen, New Zealand citizen or permanent resident

Earn more than $30,000 p.a. from employment

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption

Won’t impact your credit score!
Won't impact your credit score!

Loans for small
and big moments

Won’t impact your credit score!
Won't impact your credit score!
Big purchase
Renovation
Holiday
Medical
Debt consolidation
Vehicle
Education
Other

What our customers say

4.6 review rating
Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
Won't impact your credit score!
Cosmetic Loans
Won't impact your credit score!

Trusted by thousands of Australians

awards

Everything you
need in one app

Apply in minutes and manage your account
wherever and whenever you need it.

Choose a lender
with purpose

Our philosophy? Doing good while
doing
business.

Explore our impact

Ready to
kick your goals?

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied