Plastic surgery loans are often the only way to get the money you need for procedures, devices, and treatments that healthcare won’t cover. Regrettably, the only time the Canadian Health Act provides coverage is when your province or territory deems it “medically necessary”.

Obviously, many plastic surgery treatments aren’t about medically necessary procedures. Many people want these procedures to look good and feel better about themselves. Sometimes people discover what they think is a necessary treatment isn’t covered in their region too.

Accessing Plastic Surgery Loans

Whatever your situation, you should be able to get plastic surgery loans to cover your expenses. However, traditional lenders may be reluctant to grant credit for unusual reasons.

Sure, they’re happy to lend money if you want to consolidate debt, buy a car, or take a vacation, but not necessarily when you want to focus on you. Plus, many of these treatments are costly, personal, and probably not something you want to explain in detail to a loans officer.

Luckily, plastic surgery loans work differently. If you have reasonable credit and a steady income, you have a good chance of approval and a decent interest rate. There’s no need to explain which procedure you want. You just need to demonstrate you can repay the loan.

Additionally, requirements are often less stringent. You could qualify even if you have less than pristine credit or you’ve moved or changed jobs. These loans aren’t backed by collateral either, so you’ll never put your car or home at risk.

Additional Benefits of Plastic Surgery Loans

We already mentioned that plastic surgery loans have less stringent requirements than loans through traditional lenders. You don’t need to have perfect credit and long-term stability isn’t a major deciding factor. However, these loans offer several additional benefits worth mentioning.

First, a good lender will use a “soft” credit check that doesn’t lower your credit score and only provides an overview of your financial position.

Mainstream lenders usually use a “hard” credit inquiry that does lower your credit score. This provides the lender with all the details on your credit file, plus the inquiry stays on your credit file for up to three years.

Second, lenders using a soft inquiry only consider this information as one factor in their pre-approval process. They weigh many pieces of information to determine whether they’ll grant you credit.

Traditional lenders rely heavily on your credit. You usually need to meet a minimum credit score requirement. Otherwise, you have no hope of approval.

Third, non-traditional lenders may offer an online process. There’s no need to visit an office or branch and there’s far less hassle. For example, you can verify your income electronically.

Banks or credit union loans almost always include in-person visits. Even if you start the process online, they will refer you to a loans officer to finalize your application and to sign your loan contract. You’ll also need to provide proof of income such as pay stubs, a letter from your employer, or an income statement.

Lastly, a good online lender accepts income from many sources, not just regular employment. Additional income sources may include self-employment, the Canada Child Benefit, investment income, and pensions.

Conversely, traditional lenders seldom consider applications from anyone unless they have regular employment. If you don’t fit their limited profile, they probably won’t apply your loan application.

What Can You Use Plastic Surgery Loans For?

A good lender provides funding for whatever procedures, devices, and treatments you want to feel good about yourself.

As an example, here’s a list of some of the surgical procedures FlexMoney has funded for customers just like you. Of course, we’ll consider plastic surgery loans for other treatments as long as you meet our loan qualifications.


No one wants to feel like they could look better. Luckily, liposuction can help you slim down fatty areas for a more attractive appearance.

This is usually a near pain-free outpatient procedure, but it’s costly. Luckily, plastic surgery loans can help you spread the cost out over time.

Nose Job

Healthcare won’t pay for a nose job unless you have a congenital condition or you’ve experienced trauma. Consequently, if you don’t like the size or shape of your nose, you must pay for surgery yourself.

Luckily, plastic surgery loans can help you improve your appearance, breathing, and quality of life. Why wait, when you look better now?

Face or Neck Lift

Face and neck lifts are popular, because they make you look young and vibrant. Prices can range from around $5,000 for a mini lift to closer to $20,000 for full face and neck treatments.

Clearly, few people have that kind of money sitting around idle. If they do, it’s probably in their savings or retirement account and they don’t want to touch it.

Plastic surgery loans allow you to pay for your face lift and leave your savings intact. You’ll pay regular, fixed payments and you choose the loan term.

Eyelid or Brow Lift

No one wants to see droopy eyelids, sagging eyebrows, bags under their eyes, or a constant frown when they look in the mirror. If you want to look younger and more alert, plastic surgery loans can provide the funds for an eyelid or brow lift so you can look cheery and alert again.

Breast Treatments

Breast procedures can improve appearance and quality of life. Whether you feel they’re too small, too big, unequal, or sagging, getting the treatment you need can make you feel and look better.

Nonetheless, breast surgery doesn’t come cheap. If you need money for breast surgery, FlexMoney offers loans of up to $15,000.

Pectoral Implants

Pectoral implants are the chosen treatment for many men. They can help those who’ve suffered an injury, illness, or reconstructive surgery, or as part of gender transition. They’re also a great option for those who just want to look more attractive.

If your province or territory won’t cover this procedure, plastic surgery loans are here for you. They’re readily accessible and customizable.

Jaw & Chin Reshaping

Whether you feel you have no chin or a protruding jaw, orthognathic surgery can help you enhance your look. Get the surgery you need and avoid the compound interest you would pay on a credit card.

Tracheal Shave

Men may want an Adam’s Apple reduction during gender transition or to improve their appearance. Fortunately, you can get the money you need for this procedure through plastic surgery loans. Take up to five years to repay.

Upper Arm Lift

If all you see are bat wings every time you raise your arms, it’s not surprising you want this treatment. The surgeon will remove this excess skin so you can feel good about your arms again. Get the funds you need to feel confident and attractive now.

Tummy Tuck

Have you lost weight, but not the baggy skin around your middle? You’re not alone. Countless people undergo this procedure annually to look and feel better.

Of course, tummy tucks come with a big price tag. Luckily, you can access the funds you need to loose the jiggly skin and feel attractive again.

FlexMoney Plastic Surgery Loans

FlexMoney plastic surgery loans are simple, fast, and straightforward. Our entire loan process occurs online.

Complete our application form in under 15 minutes from any device at any time. You will need to provide your banking information so we can confirm your income digitally through bank statements.

Once you’ve completed your application, you’ll receive our decision within minutes. Review the terms, sign your documents digitally, and receive your money within 24 hours.

FlexMoney is totally transparent about the requirements for our plastic surgery loans. Here’s what you need to apply:

  • Canadian citizen
  • At least 20 years of age
  • Steady income from the same source for at least three months
  • Minimum monthly net income of $2,000
  • Active cellphone number and email address
  • Open and active bank account with a Canadian financial institution with at least three months of transaction and banking history

Unfortunately, we can’t help everyone. Please do not apply if your income source is Employment Insurance, the Disability Tax Credit, or government benefits related to COVID-19. We can’t help you if you are currently enrolled in an active bankruptcy, consumer proposal, or credit counselling program either.

If you have questions regarding our plastic surgery loans or need help during the application process, please visit our website. We offer professional telephone, email, and online support through Canadian customer service representatives. We also have an in-depth Help section on our website that answers commonly asked questions.

Our plastic surgery loans can provide you with the funds you need to get the procedure you want now. They’re fast, flexible, and by far the best you’ll find in Canada. We also provide loans for other medical needs.