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Breast Implants Finance

What Payment Plans Are Available For Breast Augmentation Surgery?

Any cosmetic surgery can be financially costly and many different payment methods have transpired since surgery became more popular and widely available.

Breast implants (or augmentation) are no exception and can cost between £3,000 and £5,000. there are few patients who can comfortably finance and pay for surgery outright. However many of the UK's top breast augmentation clinics now offer a wide variety of easily manageable repayment options to help patients finance surgery and spread their payment over a number of months.

What Are The Costs?

Generally, finance packages and loans are available for repayments over 12, 24 and 36 months and require a minimum deposit. This is dependent on which loan company or cosmetic surgery business is used and deposits start from around £250 upwards.

  • Available loans start from a minimum borrowed amount of £500.
  • An admin fee/application fee is usually charged and can cost from £55 up to £165.
  • Surgeon fees may also be added to the total amount payable and these can range from £60-£200 per consultation.

Finance Options For Breast Implants

Due to this, coupled with the disastrous economic climate that we find ourselves in, more and more clinics, as well as other third party companies, are offering varying breast implant finance options to help make your dream of surgery a reality.

The various financing options that are available include buy now pay later schemes, low monthly payment plans and breast enlargement loans.

Getting Financial Assistance

Many people thinking of undergoing breast augmentation will feel secure in the knowledge that financial packages and loans are available with various easy payment options.

As with all loans or payment schemes, the applicant must be suitable and fit the criteria necessary to receive the finances, for example:

  • The minimum age for the applicant should be 18 years old. (Under 21's may require a joint applicant to secure a loan.)
  • The applicant should have been in full time employment for the last 12 months.
  • Proof of address history for the past 3 years should be held and the applicant should have been a resident of the UK for the same period of time.
  • The applicant should have no CCJ's, payment defaults or unsettled adverse credit in the last 3 years. This can be checked online through an application to Experian.
  • Applicants will not be accepted if they have filed for bankruptcy or IVAs or are currently under debt management.
  • A current bank account is required through which direct debit repayments of the borrowed amount will be made.
  • A passport or driving licence will be required for identification purposes.

If some of the above criteria are not met, then it is possible for a family member to apply as a joint hirer. Possible cosignatories include:

  • Parents.
  • Cohabiting partner.
  • Grandparent.
  • Step parent.
  • Direct sibling.

Alternatively, they can take out the loan on the behalf of the applicant.

In the event that the applicant is not eligible, some companies offer prepay monthly installments before the booked procedure.


"Buy Now Pay Later" Schemes

With buy now pay later options you can book and have your surgery whilst enjoying a payment-free holiday of upto 6 months. After this time you can choose to either pay off the balance for your treatment in full or choose to pay over an extended period of time with a fixed interest rate. Transform, for example, offers patients the chance to pay the balance off over 36 months at 15.9% APR.

For example this would make a an initial loan of £2900 for a breast enhancement come to an overall cost of around £3867 after 3 yearly payments at 15.9% APR.

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Low Monthly Payment Plans

Another breast implant finance option involves paying a substantial amount of the full balance in a one off payment, which is followed up by monthly payments. Companies that offer low monthly payment plans do not generally add any interest to the monthly payments so the price remains the same as if it were paid in full initially. Typical deals involve paying around 65% of the balance in one payment and completing the payment plan in either 10 months, 1, 3 or even 5 years. The cosmetic surgery clinic MYA, for example, allows the remaining balance to be paid off over the duration of 12 months, with no added interest.


Breast Enlargement Loans

Nowadays, most clinics understand that many patients are simply unable to afford cosmetic surgery of any kind. As a result a number of surgeries are offering their own loans and flexible breast implant finance options to help patients fund their cosmetic surgery.

0% Finance Breast Surgery

Many cosmetic surgery clinics offer 0% finance options for your breast enlargement and are willing to lend anything from £500 to £15000, which can be paid back, interest free, over the space of 10 months.

Not only are there certain clinics that offer loans, but there are also many third party companies that can help with financing your breast augmentation surgery. Loans can be agreed in a matter of hours, depending on the borrowers’ credit rating, and if all the relevant documentation is readily available.

As the finance company will only deal with the finances there is no need to reveal any specific information about the procedure itself, which for many can prove important bearing in mind the personal nature of the procedure itself. The majority of loan companies understand the private healthcare market and treat all applicants with complete discretion and sensitivity.

Loans are typically agreed on a case by case basis. In many cases you need not worry about your credit rating and history as unsecured loans are also offered to help those with bad credit rating secure funding for their breast enlargement procedure despite it most likely having a higher rate of interest attached.

Repayment Options

The repayment costs depend on whether an APR is applied to the loan, how much is being borrowed, the time repayable and duration of loan.

For example:

If the procedure was costing £5,000:

With 0% APR and a £1,000 deposit, this will cost £358.33 per month in 12 monthly payments.

For a £4,000 procedure:

With 19.9% APR and a £250 deposit, this will cost around £180.00 per month in 24 monthly payments.

Questions About Financing Your Breast Surgery?

Have any further questions about the numerous breast augmentation finance packages and plans available? Then why not request a call back from one of our trained advisers by filling in a few details at the top of this page or alternatively give them a quick call on 020 7424 3130.

You can also take a look at our comprehensive breast augmentation frequently asked questions section which has the answers to a variety of questions looking at the procedure itself, after-care, advice on finding a clinic and surgeon and more.

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