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Breast augmentation typically costs between $5,000 and $12,000 depending on your surgeon, location, and the type of implants. Most health insurance plans do not cover cosmetic procedures, making personal loans one of the most popular ways to finance the surgery with manageable monthly payments.
Below are the best lenders for cosmetic surgery financing, offering competitive rates and fast funding so you can schedule your procedure sooner.
| Lender | APR range | Loan range | Min. credit | Funding |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 580 | 1 day |
| Upstart | 6.40% – 35.99% | $1,000 – $50,000 | 300 | 1 day |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 600 | 3 days |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 640 | 1 day |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 660 | Same day |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 680 | Same day |
There are several ways to pay for breast augmentation: personal loans, medical credit cards (like CareCredit), surgeon payment plans, or health savings accounts (HSAs). Personal loans are often the best option because they offer fixed interest rates, predictable monthly payments, and no restrictions on which surgeon you choose.
Medical credit cards like CareCredit offer 0% introductory APR periods (typically 6-24 months), but if you do not pay off the full balance before the promo period ends, interest is charged retroactively on the entire original amount — often at rates above 25%. Personal loans have fixed rates from day one with no surprises.
The average cost ranges from $5,000 to $12,000. This includes the surgeon fee, anesthesia, facility fee, implants, and follow-up appointments. Silicone implants typically cost $1,000-$2,000 more than saline. Geographic location and surgeon experience also affect pricing significantly.
Yes. Personal loans can be used for any purpose including cosmetic surgery. Most lenders do not restrict how you spend the funds. You receive a lump sum, pay the surgeon directly, and repay the loan in fixed monthly installments.
Upstart accepts scores as low as 300. Upgrade and Prosper accept 580+. For the best rates on a $5,000-$12,000 loan, aim for 680+.
For an $8,000 loan at 12% APR over 3 years, expect payments around $266/month. At 8% APR over 5 years, payments drop to about $162/month.
Upgrade offers next-day funding with loans starting at $1,000. Accepts credit scores from 580.
LightStream offers same-day funding with no fees and competitive rates for borrowers with good credit.
Prosper is a peer-to-peer lending platform with a simple online application and competitive rates.
SoFi charges no origination, prepayment, or late fees. Includes unemployment protection and career coaching.
SoFi’s personal loans have the highest minimum loan amount of the five on our list, with loans starting at $5,000 and ranging up to $100,000. But it has one of the lowest starting APRs around — 5.99%. The APR maxes out at a reasonable 18.64% if you enroll in AutoPay, which is by far the lowest interest rate cap among all five lenders. Another big perk of SoFi is that unlike most lenders, they don’t charge an origination fee, saving you significant money. SoFi also offers more terms than most online lenders, with 36-, 48-, 60- and 84-month loan options. It also has no prepayment penalties. The lender is unique in that it offers unemployment protection, allowing you to pause payments if you lose your job.
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