Arm Lift Financing

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arm lift financing

Arm Lift Loans & Financing Options

Losing weight is an incredible achievement, and many people seeking an arm lift have overcome hurdle after hurdle to lose such a significant amount of weight. After all that hard work, the only thing left to do is arm and other body lifts to remove that excess skin and give you the body you’ve worked so hard to achieve.

Of course, it’s also a surgery worth doing for many of us who are simply unhappy with the way our arms are aging. An arm lift is a costly surgery and so you may choose to use arm lift financing to fund the procedure.

Applying for arm lift financing is fast and easy:

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Borrow up to $100,000 as fast as next business day

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What is arm lift financing?

Arm lift financing is any form of borrowing you use to pay for your surgery. This is usually a personal loan, but there are other forms of financing available, which we’ll cover shortly.

How does arm lift financing work?

Most people use a personal loan to fund their arm lift surgery. With this form of financing, you borrow a lump sum amount to pay for your surgery and associated costs. This is then paid back, plus interest, weekly or monthly over a fixed term, typically between 2-5 years.

What are the best arm lift personal loans?

Generally, a personal loan is the best form of financing for an arm lift. Here are some of the best options:

Avant: borrow $2,000-$35,000 at 9.95-35.99% (minimum credit score: 550)



Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95 - 35.95%
Loan term: 2 - 5 years
Funding turnaround: within 24 hours in most cases

With Avant personal loans, borrowers with fair to good credit scores can get access to super fast funding up to $35K. Best for debt consolidation.

Axos Bank: borrow $10,000-$50,000 at 6.79-17.99% (minimum credit score: 700)

Axos Bank


Funding: Borrow $5,000 - $50,000
Minimum Credit Score: 700
APR: 7.15 - 17.99%
Loan term: 3 - 6 years
Funding turnaround: within 1-3 business days

AXOS Bank offers loans up to $50k and great refinancing options on existing loans. Best for borrowers with higher credit scores..

LightStream: borrow $5,000-$100,000 at 4.49-20.49% (minimum credit score: 660)

Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

How much does an arm lift cost?

The average cost of an arm lift is around $4,800, according to 2020 statistics from the American Society of Plastic Surgeons.

Are there different types of arm lift surgery?

There are generally two kinds of arm lift surgery:

  • Mini Arm Lift: Also known as a partial or minimal incision arm lift, this is where a small incision is made in the armpit and then the arm is sculpted using liposuction and some skin excision, where necessary. This is a good choice for those with moderate sagging.
  • Upper Arm Lift: Also known as a brachioplasty, this is the traditional arm lift designed for those who have lost a significant amount of weight. An incision is made near the elbow where any excess fat is removed via liposuction, and then excess skin is trimmed and repaired.

There are other variations on these surgeries depending on the surgeon you work with, as some use more invasive procedures for extreme sagging, often called an “extended brachioplasty.”

What qualifies as an arm lift?

Any excess skin removal from the underarm area qualifies as an arm lift.

Will my health insurance cover an arm lift?

No, an arm lift is an elective surgery so your health insurance will not cover the expense.

Do arm lift scars fade?

Yes, they will fade over time. Most surgeons place the scar in an area that isn’t typically visible (such as the inner arm or armpit) and skilled surgeons will make sure your scars are minimal and tidy.

Is an arm lift one of the best treatments for sagging arms?

Nothing else compares - there aren’t any creams that can tighten the skin and working out can only reduce fat and tighten the skin a little.

What kind of results can I expect from an arm lift?

An arm lift is the best way to reduce arm fat and excess skin, and you can typically expect your arm to have a natural “straight” or curved look from armpit to elbow when you hold your arm out once your body has fully recovered.

How can I finance an arm lift?

The best ways to finance an arm lift are:

  • Savings: an arm lift can be costly, especially if you’re also having other areas of your body lifted, but savings and investments should always be your first thought, even if they can only cover a portion of the surgery.
  • Personal Loans: personal loans are the most popular choice for funding arm lifts and allow you to spread the cost over a long period, typically 2-5 years. How much you’ll be able to borrow depends on your creditworthiness, as does the interest rate you can get. Personal loans are a good choice if you are going to be covering a range of different expenses related to your treatment, as the lump sum is deposited directly in your bank account, rather than being paid directly to the surgeon.
  • 0% APR Credit Cards: Credit cards aren’t always the best option for an arm lift, but if you have some savings to put toward your treatment or can get a relatively high credit limit, a card with a long 0% APR period or even just a low-interest rate (6% or less) can be worthwhile.
  • HELOC: A Home Equity Line of Credit is a good option for more expensive procedures, such as an arm lift or full-body lift. This is where you get a line of credit (much like you get on a credit card) which you can borrow from as and when you please, only paying interest on the money you borrow. This form of borrowing is secured against your home, so you can generally get a much higher credit limit than you can elsewhere, and with a lower interest rate. The downside of HELOCs is that, because they are secured against your home, defaulting can put your home at risk.
  • 401(k) Loan: Some 401(k) plans allow you to take out a loan from your future retirement savings. This is a good option if you have access to it because it doesn’t involve a credit check or interest. You usually have strict repayment rules for these loans, so make sure you do your research and find out what it means for your retirement plans.
  • In-House Financing: Most cosmetic surgeons offer in-house financing, usually in the form of a personal loan through a partner lender. These are usually set up as a payment plan and the money is paid directly to the surgeon. These can have favorable terms but you need to do your research to ensure you can’t get a better deal through an external lender.

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Pros & Cons of Arm Lift Financing


  • Finally get the body you want
  • Get treatment now, rather than saving up
  • Keep your savings intact
  • Spread the cost


  • Can be costly, and so getting a loan can mean you have to put other major life decisions on hold until you pay off the loan
  • Financing options are expensive if you have fair or bad credit

What credit score do you need to obtain arm lift financing?

You’ll struggle to find affordable financing if you have a credit score lower than 600, but having a credit score over 690 will get you the best options.

Can I get arm lift financing with bad credit?

It’s unlikely, but it may be possible. You need to be realistic about what you can afford and understand that the worse your credit, the higher your interest rate will be. Use our calculator to find out if financing may be a realistic option for you or not.

Arm Lift Financing Calculator

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How to Qualify for Arm Lift Financing

To qualify for affordable financing for your arm lift surgery, you’ll need:

  • A credit score over 660
  • A debt-to-income ratio of 30% or less
  • Annual income over $20,000

Compare arm lift personal loans and apply

If you know that an arm lift is the best next step for your confidence and to get the body you’ve dreamed of, then it’s time to start thinking about financing. Generally, it’s best to get a consultation with a plastic surgeon so you have an accurate idea of what your desired results will cost you.

When you’re ready to move forward, it’s time to compare loans and apply. We’ve rounded up the best arm lift personal loans in our tables, so compare rates and find the best loan for your circumstances. When you find the one that’s right for you, simply click apply, you’ll soon have the funding you need.

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