Get Your Cosmetic Surgery Loan Today

Cosmetic Surgery Loans - Fast Approval for Your Transformation

Cash Direct provides cosmetic surgery loans for everyday Australians who want to look and feel their best without waiting years to save. We understand that confidence matters, and the right cosmetic procedure can be life-changing—whether it's breast augmentation, liposuction, a nose job, or facial treatments.

Whether you've been rejected by banks, don't have a credit card with enough room, or simply need a straightforward loan to cover your surgeon's fees, Cash Direct specializes in cosmetic surgery financing. Our focus is on helping you access the funds you need today—not judging your past.

Our fast cosmetic surgery loan process is designed for speed and simplicity. Apply online in just 5 minutes from your phone, tablet, or computer, and receive a decision within hours. As one of Australia's most trusted lenders for medical and cosmetic financing, we help thousands access the procedures they want when they need them most.

Key Benefits:

What is a Cosmetic Surgery Loan?

A cosmetic surgery loan is a personal loan designed to help cover the cost of elective cosmetic procedures. Many Australians use this type of loan to manage aesthetic procedures such as:
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- Breast augmentation or breast lift surgery
- Liposuction and body contouring
- Rhinoplasty (nose job)
- Facelift, brow lift, or eyelid surgery
- Tummy tuck (abdominoplasty)
- Non-surgical treatments (Botox, dermal fillers, laser treatments)
- Dental cosmetic procedures (veneers, teeth whitening)
- Hair transplant or restoration

A cosmetic surgery loan can be repaid over a flexible period, typically between 3 and 12 months depending on the loan amount. Repayments can be set up to align with your regular income cycle—whether weekly, fortnightly, or monthly—making it easier to manage alongside your budget.
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To estimate your repayments and compare your options, you can use our Small Cash Loan Calculator to find the right loan structure for your needs.

Why Choose Cash Direct for Your Cosmetic Surgery Loan?

1. Fast Approval Process

Our cosmetic surgery loans are designed for speed. Most applications are reviewed within hours. If you apply before 3 PM on a business day, you could receive same-day approval.
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Once approved, funds can be transferred to your account in as little as 60 seconds using OSKO instant payments. Learn more about our 60 Second Cash Loans powered by OSKO.
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What You Need:
✓ Valid Australian ID (driver's license or passport)
✓ Regular income (employment, Centrelink, pension)
✓ Australian bank account
✓ 90 days of bank statements

2. Loan Amounts to Match Your Procedure

We offer cosmetic surgery loans ranging from $200 to $2,000, designed to cover a wide variety of aesthetic treatments and procedures.

This loan amount is suitable for:
- Non-surgical treatments such as Botox injections, dermal fillers, laser treatments, teeth whitening, and consultation fees
- Surgical procedures including breast augmentation, liposuction, rhinoplasty, and tummy tucks, where surgeon and hospital costs may apply

Whether you’re planning a minor enhancement or a more involved cosmetic procedure, our flexible loan range helps you manage costs with ease.

3. Transparent Fees - No Hidden Costs

Our $200–$2,000 cosmetic surgery loans come with clear and upfront pricing, so you always know what you’re paying.

Fees include:‍
- Establishment fee: 20% of the loan amount
- Monthly maintenance fee: 4% of the loan amount
- No APR applies
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Repayment Terms:
Flexible repayment periods ranging from 3 to 12 months.
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Example: A $2,000 cosmetic surgery loan over 12 months with our maximum rate would have clear repayments shown upfront—no surprises, no hidden fees.
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Repay Early, Save Money: You can repay your cosmetic surgery loan early at any time without penalty, reducing your total fees and getting you back to financial freedom faster.

4. Flexible Repayment Options

We understand that everyone's financial situation is different. That's why we offer repayment schedules that match your income:
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- Weekly repayments: Perfect if you're paid weekly
- Fortnightly repayments: Ideal for most casual and full-time workers
- Monthly repayments: Great for those on monthly salaries or pensions
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All repayments are set up as automatic deductions from your bank account, so you never have to worry about missing a payment.

5. Centrelink & Pensioner Friendly

We welcome applications from Centrelink recipients. Whether you're on unemployment benefits, disability support, age pension, or other Centrelink payments, we can help.
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✓ Cosmetic surgery loans for Centrelink recipients
✓ Loans for pensioners
✓ Loans for Youth Allowance recipients
✓ Loans for Jobseeker and Newstart recipients

Hit a little snag?

You've been saving for that procedure but still need a bit more?

This happens to everyone. You may not have family who can lend you the money, no credit card with enough room, or access to a bank loan. You may just not have the time to go through all of that. At Cash Direct, We Help, and we've designed loan products that are suited to your need.
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For over 10 years, Cash Direct has been offering fast cosmetic surgery loans for people with lower incomes, part-time and casual workers, folks looking for a new job, and people who rely on Centrelink Benefits as their primary income.
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Our advice: Budget well and save what you can, but when you need a loan to complete your cosmetic surgery funding, you can get one from your Cash Direct online loan account in minutes. We are here when you need it. We Help!
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A smaller cosmetic surgery loan is perfect when you're covering consultation fees, non-surgical treatments, or topping up your savings for a larger procedure. It has manageable payments and can be structured around your income, helping you achieve your aesthetic goals without overwhelming your budget.
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If you need more information about our loan options, explore our range of Small Cash Loans designed for various financial situations.

Ready to Get Your Cosmetic Surgery Loan?

Your confidence matters, and you shouldn't have to wait years to feel your best. Whether you need funds for breast augmentation, liposuction, facial procedures, or non-surgical treatments, Cash Direct is here to help.
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Apply online now in just 5 minutes and get the fast financial support you need to book your procedure.