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    Plastic Surgery Loans Compared: Avant Vs Earnest

    Cosmetic surgery is hugely popular in the United States, with almost 18 million procedures completed in 2018. This category of surgical treatment can transform anyone’s physical appearance for the better, including a boost in confidence that can be life-changing.

    If you’re considering plastic surgery, you’ll be pleased to know there are many lending options with competitive interest rates to choose from. Let’s take a look, in more detail, at the different types of surgery and the financing options available, from lenders like Earnest and Avant loans. 

    What Is A Plastic Surgery Loan?

    Plastic surgery carried out for cosmetic reasons is usually considered as an elective procedure and isn’t covered by most health insurance policies. Fortunately, there are lending products specifically designed with the needs of cosmetic surgery patients in mind.

    • Plastic surgery loans are a type of unsecured lending product that has a simple and straightforward application process. Most lenders will require a FICO score in the high 600s or better as well as regular income to approve your application
    • A medical loan is a type of installment credit. This means that the amount you borrow will be repaid over a certain number of months or years. It’s important to make your monthly payments on time to avoid late payment penalties and a drop in your credit score

    How Much Does Plastic Surgery Cost?

    Before you can apply for the plastic surgery loan, you’ll need to know how much your procedure is likely to cost. 

    • The average cost of plastic surgery in the US is currently around the $6,000 to $7,000 mark, but costs can vary widely depending on the type of procedure and the state or city you live in 
    • Facelifts may cost upwards of $10,000 while breast implants are priced at $6,500 on average
    • Multi-site liposuction comes with an average price of $6,000
    • Tummy tucks cost $8,000 on average, with hospital and anesthesia adding to this amount
    • A rhinoplasty (nose job) requires an average investment of $5,000

    Avant vs Earnest

    Avant and Earnest loans for plastic surgery both offer competitive APRs and loan amounts that’ll cover most plastic surgery costs. Here are some of their main features. 


    APR Range 

    FICO Score Required

    Loan Amounts 


    9.95% - 35.99%

    600 or higher 

    $2,000 - $35,000


    5.99% - 17.24%

    680 or higher

    $5,000 - $75,000

    Note that Earnest has partnered with Fiona to offer loan amounts up to $100,00 at low starting APRs for customers who meet their criteria. 

    What To Compare

    Choosing a loan with the best APR and landing conditions will help you save money in the long run. Here are some features to look out for when you compare different lenders and products.

    • Interest Rate & APR: The annual percentage rate on your loan is a number that represents the interest and fees that your lender charges
    • The Total Costs Involved: Lenders may charge extra fees that aren’t reflected in the APR you see on their websites. You may need to contact your lender of choice and ask for a breakdown of fees before you apply for a loan
    • The Minimum Loan Amount: You’ll want to find a loan with a minimum amount that’s the same or lower than the cost of your procedure. That’ll prevent you from borrowing money that you don’t need

    Alternative Financing

    If you’re unable to obtain a medical loan, there are options you can explore to pay for your surgery.

    • Medical Credit Cards: These can only be used to pay for healthcare-related costs, and many of them offer an introductory period with 0% APR. You can use this time to repay your surgery bill and avoid interest charges
    • Use Your Savings: This option is only recommended if you already have three to six months of living expenses saved up. You could temporarily borrow the funds you need for your procedure from your emergency fund and replace the money by carefully managing your monthly budget
    • Delay Your Procedure: If your surgery is purely cosmetic, it may be best to wait several months, or even a year or two, until you’ve saved enough or improve your credit score to qualify for a medical loan

    Bottom Line

    Plastic surgery can improve your physical appearance and give you greater confidence and success in life. Financing this type of elective surgery with a medical loan is an affordable solution for many patients. 

    You’ll want to compare your lending options carefully to secure the best possible APR. Even if your application isn’t successful, you can always explore alternative financing options.