Breast Augmentation Financing: Monthly Payment Plans

Breast augmentation financing is an umbrella term that makes it possible to fund your boob job via monthly payment plans.

Personal loans, in-house payment plans backed by third-party companies, and credit cards allow you to pay the plastic surgeon in advance and repay the lender later on through installments.

Weigh the pros and cons of each option before applying.

Please take advantage of the online calculator below to estimate how much it might cost monthly for breast implants, enlargement, and lifts. Budget accordingly.

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Boob Job Payment Plans

Various breast enlargement financing options can enable your boob job payment plan. Each alternative provides funding to your plastic surgeon upfront and then spreads the repayment out over time in installments every thirty days.

Choose wisely.

Online Loans

Getting an online loan (Sponsored Link) to finance your breast implants and set your boob job payment plan in motion is easy. If approved, the lender can deposit the funding into your checking account within days, which puts you in control of the process.

Having money in your bank account lets you pick the plastic surgeon with the best reputation, most convenient location, or lowest prices. You repay the lender with fixed installments over time.

Bad Credit

Personal loans for bad credit can finance breast enlargement payment plans for women with FICO scores below 650 because of adverse payment history.

Many online lenders specialize in the subprime market and can provide the funding you need before you walk into the plastic surgeon’s office. Women with lousy credit should not limit their options to in-house (see below) providers – as rejection rates are often higher.

No Credit Check

Personal loans with no credit check can finance your breast augmentation payment plan by focusing more on your earnings and employment history. Women with a high debt-to-income ratio might qualify without the lender pulling a report from Equifax, Experian, or TransUnion.

Instead of a regular credit check, they might obtain information from alternate bureaus that cull data from non-traditional sources such as social media profiles, utility companies, and rental apartments.  


Relying on plastic surgeons who offer in-house financing for breast augmentation is a convenient but potentially costly way to establish your payment plan. Would you go to your local bank branch and ask them for a boob job? Of course, that would be silly.

Most surgical offices refer patients to third-party finance companies, allowing both entities to specialize in what they do best: enhancing women’s appearance and collecting money. This option is not really “in-house” and includes possible pitfalls.

  • You lose the ability to shop around for the best rates and terms
  • You might sacrifice surgical skill and experience for convenience
  • The third-party company might reject your application

Credit Cards

Restricted-use credit cards are the final option to finance breast augmentation and kick-start your boob job payment plan. With these revolving arrangements, patients have the luxury of flexible installments, which can be a blessing or a curse if you do not read the fine print.

  • Zero percent interest: via promotional offers provided you repay the entire balance within a set period of six or twelve months
  • 26.99% deferred interest: if you fail to repay the promotional balance within the designated time.

How much are Monthly Payments

You might be asking how much the monthly payments for breast implants and other enlargement options are. Your answer depends on several factors.

  • The cost of the surgery
  • The terms of your payment plan
    • Origination fee
    • Interest charges
    • Number of months

Use the online calculator below to estimate the amount you might have to pay each month.


Please use our online breast augmentation financing calculator to estimate your projected monthly payment using the three variables.

  1. Surgery cost
  2. Your credit score
  3. Number of months

Average Costs

The amount charged by the plastic surgeon is the most critical input into the monthly cost of breast augmentation. For example, the mid-range charge spread over three years is about $140 per period.

Consider these average figures published by the American Society of Plastic Surgeons, which do not include anesthesia, operating room facilities, or other related expenses.

  • Enhancement via saline or silicone implants (Mammoplasty): $3,700
  • Enlargement via fat transfer (Lipoplasty): $8,000
  • Breast lift (Mastopexy): $4,650