Breast augmentation is one of the most sought-after cosmetic procedures in Canada, offering individuals the opportunity to enhance their confidence and achieve their desired aesthetic. However, the cost can be a significant factor in the decision-making process. Fortunately, various financing options are available to help make breast implants more affordable.
From medical financing companies to personal loans and clinic-specific payment plans, this guide will walk you through everything you need to know about financing breast implants in Canada. Understanding your options will empower you to make an informed choice that aligns with your financial situation and goals.
How Much Do Breast Implants Cost in Canada?
The cost of breast augmentation in Canada generally falls within the range of $10,000 to $13,000, though this can vary based on several factors, including:
- Surgeon’s experience and expertise – Highly qualified and experienced plastic surgeons may charge higher fees due to their reputation and skill level.
- Type of implants used – Silicone implants tend to be more expensive than saline implants.
- Clinic’s location – Costs can be higher in major cities like Toronto & GTA, Vancouver, or Montreal due to increased demand and operating expenses.
- Additional fees – Beyond the base surgery cost, you may also need to budget for:
- Consultation fees (some clinics offer free consultations, while others charge a fee)
- Anesthesia and surgical facility fees
- Post-operative care and follow-ups
- Prescription medications and recovery garments
Since cosmetic breast augmentation is generally not covered by provincial health insurance plans, many patients opt for financing solutions to make the procedure more accessible and manageable.
Related: What to Expect from Breast Augmentation Surgery
Breast Implant Financing Options in Canada
If paying the full amount upfront isn’t feasible, financing options can help break the cost into smaller, more manageable monthly payments. Below are the primary financing solutions available:
1. Medical Financing Companies (Best for Low Monthly Payments)
Medical financing companies specialize in offering loans for elective medical procedures, making them one of the most convenient and accessible options for breast augmentation financing. One of the leading providers in Canada is Beautifi, which offers flexible loan options tailored specifically for cosmetic surgeries.
Why Choose Beautifi?
- Loan amounts range from $1,500 to $25,000
- Flexible repayment terms from 6 months to 6 years
- Quick and easy online approval process
- Applying does not impact your credit score
💡 If you’re looking for a stress-free way to finance your breast augmentation, Beautifi offers a straightforward and budget-friendly solution.
2. Personal Loans (Best for Those with Good Credit)
Another option is taking out a personal loan through a bank or credit union. These loans provide a lump sum that can be used to cover the cost of the procedure. If you have a strong credit history, you may qualify for lower interest rates compared to some medical financing plans.
Pros:
✔️ Potentially lower interest rates for individuals with excellent credit
✔️ No restrictions on how the funds are used
Cons:
❌ Requires a high credit score to secure favorable terms
❌ Application process may be more stringent compared to medical financing providers like Beautifi
3. Credit Cards (Best for Short-Term Financing)
If you qualify for a low-interest or 0% introductory APR credit card, you can finance your breast implants using a credit card. This option is ideal if you can pay off the balance within the promotional period to avoid high interest rates.
Pros:
✔️ Can earn rewards or cashback on your purchase
✔️ May offer interest-free financing if paid within the promo period
Cons:
❌ High-interest rates if the balance is not paid off quickly
❌ Can affect your credit utilization ratio
What Are the Requirements to Get Breast Implant Financing?
Most financing providers, including Beautifi, require applicants to meet the following criteria:
- Be a Canadian citizen or permanent resident
- Be at least 18 years old
- Have a stable source of income
- Meet credit score and financial history requirements (varies by lender)
With Beautifi, the approval process is fast and hassle-free, making it one of the most accessible financing solutions for breast augmentation in Canada.
Related: Plastic Surgery Financing in Canada: How to Afford Your Dream Procedure
How Much Will My Monthly Payment Be?
Your monthly payment depends on several factors, including:
- The total cost of your procedure
- The loan amount you choose to finance
- Your repayment term (shorter terms = higher monthly payments but less total interest)
- Your interest rate (varies based on your credit profile)
💡 Example: If your breast augmentation costs $10,000 and you finance it through Beautifi for 5 years, your estimated monthly payment could be around $185/month, depending on the interest rate.
How to Apply for Breast Implant Financing with Beautifi
Applying for financing through Beautifi is simple and takes just a few minutes. Here’s the step-by-step:
- 1️⃣ Visit Beautifi’s website and complete the online application.
- 2️⃣ Get instant approval without affecting your credit score.
- 3️⃣ Choose your loan term and review your payment options.
- 4️⃣ Finalize your financing and book your breast augmentation with confidence!
Conclusion
Breast implant financing in Canada makes it easier than ever to achieve your aesthetic goals without the financial strain of paying upfront. Whether you choose Beautifi, a personal loan, or a clinic payment plan, there are flexible options to suit different financial situations.
Finance Your Breast Augmentation at the Royal Centre of Plastic Surgery
At the Royal Centre of Plastic Surgery, we strive to make cosmetic enhancements accessible. That’s why we’ve partnered with Beautifi, a trusted financing provider offering flexible payment options.
With low monthly payments and competitive interest rates, you can undergo breast augmentation without financial strain.
📌 Ready to take the next step? Apply for financing with Beautifi today and make your dream procedure a reality!