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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When you’ve planned the procedure…
Cosmetic Surgery Loans
that spread the costA consult is booked and the quote is in. A CashnGo loan of up to $5,000 can help with a deposit or gap, with repayments that sit next to your usual bills — never as a rush decision in the waiting room.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Cosmetic Surgery Loans
A planned procedure, on a plan you can keep
A cosmetic surgery loan is a personal loan used for an eligible procedure you have already discussed with a practitioner — a deposit, a gap after extras cover, or the balance the clinic asks for before a date is locked.
CashnGo lends up to $5,000. Larger surgeries often cost more than that, so clinic payment plans or a longer personal loan may be a better fit for the full invoice. Use us where a few thousand actually closes the gap.
Decide on the treatment first, the money second
Sleep on the quote. Ask the clinic what happens if you delay, whether a staged payment exists, and what after-care costs. Then check a CashnGo repayment against the rest of your month.
What is a cosmetic surgery loan?
It is an unsecured personal loan used for a cosmetic or elective procedure. Specialist medical-finance companies and larger lenders often advertise $5,000 to $50,000. CashnGo’s range is smaller and shorter: up to $5,000, as a Small Loan of $2,000 or less or a Medium Loan of $2,100 to $5,000.
We pay you, not the clinic. That keeps the clinical relationship with your practitioner. We still assess whether the repayments are affordable. A procedure you want is not the same as a loan you can carry.
Choose a loan that matches the quote, not the wish-list
If the procedure is more than $5,000, do not stretch a short-term loan and hope. Ask the clinic about their own finance, a deposit to hold the date, or a longer unsecured loan elsewhere.
CashnGo is not a medical provider and does not recommend treatments. If you are unsure about the procedure itself, get a second clinical opinion before you borrow.
Applying for Cosmetic Surgery Loans
Quote in hand, then a five-minute application
Use the clinic figure, choose that amount, apply online and read the total payable before you sign.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Cosmetic Surgery Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
A considered process from an award-winning lender
Take your time, see every cost and speak with a real Australian team if you need help. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackCosmetic Surgery Loans questions, answered
How cosmetic surgery loans work here, what $5,000 can cover, and what to ask the clinic.
It is a personal loan used to pay for an eligible cosmetic or elective procedure. CashnGo offers up to $5,000, paid to your account after you accept an approved contract. We do not provide medical advice or pay clinics directly.
No. Our maximum is $5,000. That often suits a deposit or a gap rather than a large hospital invoice. Ask the clinic about payment plans or a longer personal loan if the quote is higher.
A written quote and a clear purpose help us assess a genuine expense. You do not have to have a locked surgical date, but you should know what the money is for.
No. Approved funds are transferred to your nominated bank account. You settle the clinic under whatever terms you have agreed with them.
It can be, when the procedure is planned, legal, and the repayments fit your income and regular expenses. It is not suitable if you are already in hardship or the loan would crowd out essentials.
About five minutes online, with many people receiving an outcome in seconds. Some applications need extra review. We send approved funds after you sign; your bank controls arrival time.