Interest-free
0% APR over 12 months
You pay no more than the price of your procedure.
- 50% deposit, with the rest in 12 equal monthly payments
- Total charge for credit: £0
- Suits you if you can pay half up front
Costs & finance
Cosmetic surgery finance
Spread the cost of your surgery through Chrysalis Finance. Pay nothing extra over 12 months with a 50% deposit, or keep monthly payments lower over 24–60 months at 14.9% APR.
Your written quote comes first, so you know exactly what you’re borrowing. Finance is subject to status.
- No early repayment penalty
- Borrow £1,000 to £25,000
- We’re a credit broker, not a lender
Our finance plans
Cosmetic surgery payment plans
Choose the plan that suits your budget. You can also pay part of the cost from savings or by card and finance only the rest.
Lower monthly payments
14.9% APR over 24–60 months
A smaller deposit and lower monthly payments, but you pay interest.
- £1,000 minimum deposit
- Choose 24, 36, 48 or 60 months
- The longer the term, the more interest you pay overall
On both plans
Borrow £1,000 to £25,000No penalty for paying off earlyMonthly payments by Direct DebitSubject to status Compare them for your price →
Payment calculator
Cosmetic surgery finance calculator
Enter the price from your written quote to compare both plans side by side. No quote yet? Our cost guides show typical prices for each procedure.
Finance starts from £1,000 borrowed, so enter a price of £2,000 or more.
Minimum £1,000. A bigger deposit means less interest.
£1,000
0% APR · 12 months
12 monthly payments of
£250.00
- Deposit (50%)
- £3,000.00
- Amount of credit
- £3,000.00
- Total charge for credit
- £0.00
- Total amount payable
- £6,000.00
14.9% APR · 36 months
36 monthly payments of
£170.82
- Deposit
- £1,000
- Amount of credit
- £5,000.00
- Total charge for credit
- £1,149.52
- Total amount payable
- £7,149.52
Enter a price of £2,000 or more to see this plan.
Representative example: Representative 0% APR
Cash price £6,000.00. Deposit £3,000.00. Amount of credit £3,000.00, repayable by 12 monthly payments of £250.00. Total charge for credit £0.00. Total amount payable £6,000.00. Rate of interest 0% fixed.
This calculator is a guide only. Figures are rounded to the nearest penny, and the exact amounts appear in your credit agreement from Chrysalis Finance. Finance is subject to status.
How it works
How to get cosmetic surgery on finance
Have your consultation
Your surgeon assesses you and you receive a written quote. You need a consultation before you can apply for finance.
Apply online
Your patient coordinator sends you a link to apply with Chrysalis Finance. It costs nothing to apply, and you can do it during your consultation visit.
Get a decision and sign
Chrysalis usually replies quickly. If you’re approved, you sign the credit agreement and have 14 days to withdraw from it.
Book your surgery
Pay your deposit and choose a date. Chrysalis pays us directly, and your Direct Debits start one month after you sign.
Finance never speeds things up. We leave at least two weeks between your consultation and your surgery date, however you pay, so you have time to think it over.
Who can apply
Who can get cosmetic surgery finance?
To apply through Chrysalis Finance, you’ll need to:
- Be 18 or over
- Have lived in the UK for at least three years
- Have an income that covers the repayments, as Chrysalis checks affordability
- Pay by Direct Debit from a UK bank account
- Have had your consultation and received a written quote
Short UK credit history? You may be able to apply with a guarantor. Your coordinator can explain how.
What your quote covers
Your written quote includes your surgeon’s fee, the anaesthetic, the hospital facility fee and your follow-up appointments.
Some costs are quoted separately where they apply, such as a TIVA anaesthetic supplement, histology, compression garments and prescribed medication. Ask your coordinator for the full figure before you work out your finance.
Other ways to pay
- Pay in full by Visa, Mastercard or American Express.
- Combine finance with savings or a card payment, and finance only part of the cost.
- Thinking of a credit card? Compare its interest rate with our plans first.
Finance by procedure
Finance for a boob job, nose job, tummy tuck and more
Both plans are available on any procedure where you borrow £1,000 or more. Each cost guide explains what’s included in the price.
Before you borrow
Should you finance cosmetic surgery?
Take your time
There’s no deadline on an approved application. Decide when you’re ready, not when the finance comes through.
Borrow what you can repay
Missing payments could affect your credit rating and make it harder to borrow in future. For free, impartial guidance, visit MoneyHelper ↗.
You can change your mind
You have 14 days after signing to withdraw from the credit agreement. If treatment has already taken place, you’ll need to pay for it another way.
Questions
Cosmetic surgery finance FAQs
How do I apply for cosmetic surgery finance?
At or after your consultation, your patient coordinator sends you a secure link to apply online with Chrysalis Finance. There’s no cost to apply. If you’re approved, Chrysalis pays us directly and you repay Chrysalis in monthly instalments.
Is cosmetic surgery finance a loan?
Yes. It’s a regulated credit agreement with Chrysalis Finance that covers the cost of your procedure, which you repay in fixed monthly payments. Unlike a personal loan from your bank, it can only be used for your treatment, and Chrysalis pays us directly.
What is the best way to pay for cosmetic surgery?
Paying from savings costs nothing extra. If you’d rather spread the cost, our 0% plan also costs nothing extra, as long as you can pay a 50% deposit. The 14.9% APR plans lower your monthly payments but add interest, so compare the total amount payable. If you’re thinking of using a credit card, compare its rate with ours first.
Is it hard to get finance for cosmetic surgery?
Not if you meet the basic criteria and the repayments are affordable for you. Chrysalis looks at your income, outgoings and credit history. Your coordinator can run an initial eligibility check first, which is a soft search and doesn’t affect your credit score.
What credit score do you need for cosmetic surgery finance?
There’s no single score that guarantees approval. Chrysalis assesses each application individually on your income, affordability and circumstances, not on your credit score alone.
Can I finance a boob job with bad credit?
A less-than-perfect credit history doesn’t rule you out automatically, for breast augmentation or any other procedure. A larger deposit, which means borrowing less, can sometimes help, and if you have a short UK credit history you may be able to apply with a guarantor.
Will checking my eligibility affect my credit score?
An initial eligibility check is a soft search, which other lenders can’t see and which doesn’t affect your credit score. A full application includes a credit check that is recorded on your credit file.
Can I get cosmetic surgery finance without a credit check?
No. Every application includes a credit assessment, because responsible lenders must check that you can afford the repayments. Be wary of any offer of regulated finance with no credit check.
How much can I borrow?
Between £1,000 and £25,000, subject to status. On the 0% plan you pay a 50% deposit, and on the 14.9% APR plan the minimum deposit is £1,000.
Can I pay off my finance early?
Yes. Neither plan has a penalty for repaying early.
When do repayments start?
Monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement.
Who provides the finance?
Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 631193). We introduce you to Chrysalis as a credit broker. We are not a lender.
Talk it through
Questions about paying for your surgery?
A patient coordinator can go through both plans and what your quote covers, with no obligation. We reply within one working day, Monday to Saturday.
Call 020 7993 4849Important information about finance
M Sarwar Limited trading as Centre For Surgery (Baker Street) is an Introducer Appointed Representative of Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 631193). We are a credit broker, not a lender, and we introduce customers to Chrysalis Finance only.
Finance is subject to status and available to UK residents aged 18 and over. Terms and conditions apply.
Representative example: cash price £6,000.00, deposit £3,000.00, amount of credit £3,000.00, repayable by 12 monthly payments of £250.00. Total charge for credit £0.00. Total amount payable £6,000.00. Rate of interest 0% fixed. Representative 0% APR.
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