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How to finance cosmetic surgery

17th September 2018

Once you’ve decided that cosmetic surgery is right for you, you’re sure to start to consider how best to pay for your chosen procedure - whether surgical or non-surgical.

If paying for your procedure upfront is not an option don’t be deterred, as we can offer a range of finance options to help you spread the cost of surgery.

We’re able to offer a range of interest-free and interest bearing finance options which allow you to finance cosmetic surgery over 12, 24 or 36 months.

Use our handy finance calculator to check your eligibility to finance cosmetic surgery and determine how you’d like to make your payments. You can easily check various loan values, terms and interest rates on the total amount you need to pay, plus the estimated monthly repayments.

Our finance eligibility criteria

In order to be eligible to finance cosmetic surgery using our finance options, you must:

  • Be at least 18 years old

  • Be in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private/company pension or in receipt of disability allowance)

  • Be a permanent UK resident

  • Have lived in the UK for at least 3 years.

  • Have a UK bank account capable of accepting direct debits

  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies

  • Provide an email address so your documentation can be emailed to you

Your loan

The value of your loan needs to be over £1,500 and you can choose to pay a deposit from 10% or up to 50% of the total value of your procedure.

How to apply for finance for cosmetic surgery

You can complete your finance application in a way to suit you, either:

  • Online

  • Over the phone

  • In clinic

Your finance application form should take no more than a couple of minutes to complete. Your finance application will be assessed based on your eligibility, credit history and affordability. You’ll receive a decision within the hour, if not immediately.

Please do bear in mind that when you apply for finance for cosmetic surgery, a hard credit check is made which is recorded on your credit file.

Once your application has been approved, you will be informed of who the credit lender is, plus their full contact details. You then just need to digitally sign your credit agreement and pay your deposit.

Once you’re happy with your finance calculation and proposed repayments, you’ve applied for finance and your application has been approved, get in touch with us to book your consultation with Mr Karidis.  

Our experienced patient coordinators are always to guide you through your finance application. If you have any questions about the process, please do not hesitate to contact us.

Repaying your loan

Your first direct debit payment to begin repaying your loan will be taken around a month after your procedure. You have the right to repay all or part of your loan early at any time.


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We regularly send exclusive offers as well as new treatment news and exciting updates to Karidis patients and followers.
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The Hospital of St. John & St. Elizabeth
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60 Grove End Road
London, NW8 9NH
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Karidis is a trading name of Loretto Clinic LLP. Registered in England No. OC315820
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