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How to Finance Your Cosmetic Procedure

According to statistics recently released by the International Society of Aesthetic Plastic Surgery (ISAPS), more than 20 million cosmetic surgical and nonsurgical procedures were performed worldwide in 2014, and the number is expected to increase this year.

So what options are available for those out there who wish to undergo cosmetic surgery?

Medical credit cards

Some doctors will work with their patients to create a payment plan that works within their budgets, although many will require payment in full prior to the surgery. Such plans are usually interest free. Most surgeons will not charge for follow-up “repair” surgeries within a year of your surgery but you will be responsible for any additional fees, like hospital or anesthesia fees.

However, failure to pay could affect your relationship with that particular doctor and their office if you seek future procedures. You may discuss financing options with your doctor at any time, before or after any consultation. Financing your surgery is a fairly simple process. For many, medical credit cards are an ideal solution.

In Canada, this is offered by groups like:


Crelogix is a medical financing firm who offer affordable monthly plans for loans of up to $25000. With 40 years of experience and expertise in funding surgeries, and a very easy application process, many people have collaborated with Crelogix to improve their appearance.

Credit Medical Corporation

Credit Medical Corporation is another company that offers loans, from a minimum of $1000 all the way up to $20,0000 with no down payment or collateral, fixed interest rates and flexible repayment terms of up to five years. There is no application fee, and payment is issued directly to your doctor 1 to 3 weeks prior to your surgery.


Ifinance’s medicard program offers same-day loans of up to $18,000 with no downpayment, with phone or online options for applications. On top of a variety of financing plans that run from 6 months to 6 years, they also offer dental, pet care and home improvement loans.

Medical grants

In Canada, those who have legitimate needs for cosmetic or corrective surgery may be eligible for medical grants of up to either 15% of eligible unreimbursed medical expenses in excess of $2,024 or 3% of their net income, whichever is lower, to cover their surgery.

Such instances may include breast reconstruction after a mastectomy, correcting deformities like cleft lips or misaligned jaws, or helping reconstruct after cancer treatment.

Let’s Talk About What’s Possible

Come meet with an experienced expert, who can offer you real answers, not empty promises. As one of the leading cosmetic surgery facilities, Royal Centre of Plastic Surgery offers you the most up-to-date technology and expertise in surgical and non-surgical procedures.

Click here to schedule an appointment or to speak to a member of our staff.