Helping Good People Get Better Loans

Check Your Rate

Cosmetic Surgery Loans

Cosmetic surgery that is not covered by insurance must be paid out of pocket. But many procedures are too expensive for most individuals to afford to pay up front. Cosmetic surgery loans can make such procedures affordable. But getting cosmetic surgery loans from the wrong sources can be potentially even more expensive than the surgery. Borrowing from LoanNow provides the money you need without any ugly surprises.

What is good credit?Maxing Out the Plastic

If you have credit cards with high credit limits, you may be tempted to finance your plastic surgery with plastic.  If your credit cards carry zero percent APRs, they can provide no-interest cosmetic surgery loans. But that strategy makes much less sense if your credit cards carry high APRs. Paying for cosmetic procedures with high-interest credit cards can result in revolving debt that you’ll be paying for years after the fact.

Bank and Finance Company Loans 

Obtaining cosmetic surgery loans from banks and finance companies requires patience, not to mention decent or good credit. Banks generally offer the lowest interest rates for loans, but you must have excellent credit, collateral, a credit-worthy co-signer or some combination of the three to be approved. Finance companies are somewhat more lenient in their credit underwriting requirements, but charge higher interest rates than banks. Both banks and finance companies frequently take weeks to make a lending decision, which could put your procedure on hold while you wait.

Peer-to-Peer Loans 

Peer-to-peer lenders apply the crowd funding model to installment loans. But borrowers may understandably feel embarrassment about posting a desire to fund elective cosmetic surgery on a semi-public forum. It may also be difficult to attract lenders to requests for cosmetic surgery loans.  In addition, peer-to-peer lenders generally require borrowers to have FICO scores in at least the mid 600s to qualify, which leaves borrowers with damaged credit out of luck.

Payday Loans: Don’t Go There 

If you have bad credit but you’re desperate to correct whatever flaw you feel is marring your appearance, you may be tempted to turn to payday lenders for cosmetic surgery loans. But no matter how unattractive you believe a certain feature is, nothing is as ugly as the trap of payday loans. Between their sky-high interest rates, unrealistically short repayment periods and the endless rollovers that result, you could very well wind up paying thousands more than you actually borrowed before you are able to close your payday loan account. Run; do not walk in the opposite direction.

The LoanNow Option 

LoanNow does not provide cosmetic surgery loans specifically. What we do provide are personal loans that you can use to cover whatever financial needs that you see fit. We don’t ask why you’re borrowing the money and we don’t force you to sell your credentials to an audience.  With LoanNow, we look beyond your FICO score to consider your entire financial situation without requiring you to wait weeks for a decision. If that seems like a good deal to you, then what are you waiting for? Give us a try!

Check Your Rate

Why LoanNow

  • 5-Minute Application

    All it takes is a few minutes. We’re fast, easy and headache-free.

  • Fast & Easy Approval

    Get your quick loan approval online. Money in minutes. †

  • Deposit to Your Account

    Funds are deposited fast into your bank account! ‡

How It Works

  • Apply Now

    Complete our easy online application. It takes 5 minutes and there is no paperwork and no faxing required.

  • Get Approved

    You will get a quick loan approval decision. We are a direct lender so there is no long wait for an answer.

  • Get Your Money

    We deposit your money right into your bank account. Your installment loan payments come from the same account - automatic, no hassles.

What We're About

  • "We believe we can change the world by helping people with less than great credit get back on track."

    Miron, The Team

  • "Our loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties."

    Harry, The Team

  • "Our mission is to build the fastest & easiest way to get a loan."

    Jesse, The Team

Grow Your Score

Our personal loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties. Together, we grow your LoanNow score to unlock better rates.

LoanNow Score

* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

LoanNow Trustpilot Rating: 9.3 out of 10 based on 570 reviews as of March 2016. SuperMoney Rating: 9.5 out of 10 based on 55 reviews.