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Cosmetic loans to fit your needs.

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From $5000

Loan Amounts

1-7 Years

Loan Terms

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At iCREDIT, we recognize the importance of health.

If you’re considering a transformative journey such as cosmetic surgery, we’re here to offer specialised cosmetic surgery loans tailored to your needs.

Our mission is to ensure that everyone can access the gift of enhancing their appearance through customized financing solutions. Leave the financial details to our experts while you focus on your path to a brighter and more confident future. Discover how iCREDIT can make cosmetic surgery more achievable for you today.

Loan Types

Loans With Security


Secured personal loans use an unencumbered asset such as a car, boat, caravan or motorbike as security for the loan. A Secured Personal Loan can help in borrowing higher loan amounts as this provides comfort for the bank as it helps reduce their overall risk.

Unsecured Loans


Unsecured personal loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured personal loans can start from $5000 to $60000.


How much do you want to borrow?


*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $40,000 secured over a term of 7 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 6.99% Comparison Rate: 7.71%

Common Questions

What are cosmetic loans?

 Cosmetic loans are specialized personal loans designed to finance various cosmetic procedures, such as plastic surgery, dermatological treatments, or dental procedures for aesthetic improvements.

What cosmetic procedures can be covered with these loans?

Cosmetic loans can cover a wide range of procedures, including breast augmentation, rhinoplasty, liposuction, Botox treatments, dental veneers, and more.

How do cosmetic loans work?

Cosmetic loans typically function as unsecured personal loans, where borrowers receive a lump sum and repay it over a specified period with interest.

Are there any eligibility requirements for cosmetic loans?

Eligibility criteria can vary by lender but often include factors like credit score, income, and employment stability.

What is the interest rate for cosmetic loans?

 The interest rate on cosmetic loans varies depending on the lender, your creditworthiness, and the loan terms. Rates may be fixed or variable.

A quicker, hassle free lending journey

Experience the ease of our straightforward 3-step process, ensuring you access your funds without delay.

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Why Choose iCREDIT for Cosmetic Surgery Loans?

With iCREDIT as your financial partner, your journey to realissing your cosmetic surgery goals becomes more accessible and budget-friendly.

Our extensive national reach empowers us to secure competitive cosmetic surgery loan rates. Rather than juggling multiple bank applications, we simplify the process by carefully assessing lenders and loan options to align with your unique requirements. Moreover, our team of personal finance consultants is committed to providing a tailored solution that instills confidence as you progress toward a more radiant and confident you

It takes minutes to start your loan journey.

We’ll provide you personalised, qualifying rates and loan packages to choose from helping you make a confident, informed decision on your loan.

Guides on Cosmetic Surgery Loans

Cosmetic and plastic surgery can help you achieve your desired look, but the cost may be a concern. Our guide provides insights into financing options to make your aesthetic goals a reality without financial stress.

Selecting the Right Lender for Your Cosmetic Loan

Choosing the ideal lender for your cosmetic loan is a crucial step in your journey toward enhancing your appearance. At iCREDIT, your reliable financial partner, we specialise in crafting personalized financing solutions for a range of healthcare expenses, including elective procedures like cosmetic surgery.

Our process is thoughtfully structured to simplify and expedite your financing journey, addressing the unique requirements of medical loans. We are dedicated to securing competitive interest rates and flexible terms tailored to your specific needs. With iCREDIT, you can embark on your cosmetic procedure with the assurance that your financing is in the hands of experts, ensuring a seamless and transparent process as you invest in the gift of a more confident and rejuvenated you.

Exploring Cosmetic Loan Options: A Comprehensive Financial Evaluation

While certain lenders may entice borrowers with the prospect of lower interest rates for cosmetic loans, it’s imperative to consider the entire financial landscape.

Some of these lenders might offset their lower rates by introducing higher setup fees or monthly administrative charges. When you delve into your financing options, it’s prudent to appraise the overall cost of these supplementary fees in contrast to the benefits of lower interest rates. Depending on your individual financial circumstances and the total loan expenses, choosing a lender with slightly higher interest rates but reduced initial or administrative costs may ultimately provide a more cost-efficient and transparent financing experience

Interest-Free Cosmetic Loan Options

Interest-free plans for cosmetic procedures provide an appealing solution for individuals looking to manage their healthcare expenses without incurring immediate interest charges. Typically, these plans offer a grace period during which no interest is applied to the loan.

It’s crucial to have a comprehensive understanding of the terms and conditions. This is because, after the interest-free period expires, interest rates may come into effect. Post-grace period interest rates can potentially be comparable to standard credit card interest rates. Therefore, it’s advisable to carefully review the terms, calculate potential post-grace period interest costs, and make an informed decision about the overall affordability of your cosmetic surgery financing.

Budgeting for Your Cosmetic Surgery Loan

Creating a budget for your cosmetic surgery loan is an essential step in effectively managing your financial obligation. Start by getting acquainted with your loan terms, including the interest rate, loan duration, and monthly installment amount. Ensure that your monthly budget comfortably accommodates these repayments without causing financial strain. It’s also wise to set aside a contingency fund for unexpected expenses.

Additionally, take into account potential post-surgery costs, such as follow-up appointments and prescription medications. A well-structured budget empowers you to navigate your cosmetic surgery financing with confidence, ensuring a clear path to a more radiant you without financial stress.

Need some information about Personal Loans?


Whether you find yourself puzzled by the differences between secured and unsecured loans or are seeking clarity on the loan journey; Our comprehensive resources are at your service to explain all aspects of financial terminology and procedures.