Best Body Sculpting Financing

Get pre-qualified for a personal loan in just minutes. Checking rates won’t affect your credit score

Our Lending Partner Network
Body contouring loans

Body Sculpting & Contouring Loans

Losing weight and exercise are often only part of the answer to getting our body to look like we truly want it to look. For many, body contouring is the best option to achieve the appearance we seek, but it’s not a cheap procedure. Most people choose to use body contouring financing to fund their surgery.

Applying for body contouring financing is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000

Checking rates won’t affect your credit score

Compare personal loan rates

Compare personal loan rates in June, 2024

What is body sculpting?

Also known as body sculpting, body sculpting is a surgical procedure carried out under general anesthesia in a medical facility to remove areas of fat that stubbornly remain even after you have reached your desired weight and fitness level. Body contouring also helps to tighten skin that otherwise might show signs of sagging.

Although most often used in areas like the abdomen, chin, underarm, and thighs, body sculpting may help anywhere where fat pockets remain after a successful weight loss and exercise plan has been completed.

What is body contouring financing?

Body contouring financing refers to the various financial options available to individuals who are seeking to undergo body contouring procedures but may not have the immediate funds to cover the costs. It involves obtaining a loan or utilizing other financial resources to pay for the expenses associated with the procedure.

Typically, body contouring financing involves obtaining a personal loan from a financial institution, such as a bank or credit union. The loan amount covers the cost of the body contouring procedure, including surgeon fees, anesthesia, facility charges, and any other related expenses. The borrower then repays the loan in installments over a specified period, typically with interest.

Aside from personal loans, there are other forms of financing that individuals can explore for body contouring procedures. These may include healthcare-specific financing options like medical credit cards, which are designed to cover medical expenses. Some clinics or cosmetic surgery centers also offer in-house financing plans or work with third-party financing companies to provide payment plans tailored to the individual's needs.

How does body contouring financing work?

Commonly, people take out a personal loan to cover the cost of the surgical procedure and other costs involved. This lump sum, plus interest, is then paid back in monthly installments for the term of the loan. Typically, loans are taken out for 2 to 5 years but both shorter and longer terms are available.

How much does body contouring cost?

Body contouring costs can vary significantly based on several factors. The total expense of the procedure depends on the specific type of body contouring chosen, where the procedure is performed, the surgeon's experience and reputation, facility fees, anesthesia charges, and additional related expenses. Individual factors such as body type and desired outcome also influence the overall cost.

To give you a general idea, body contouring procedures can range from a few thousand dollars to tens of thousands of dollars. Here are approximate cost ranges for common body contouring procedures in the United States:

  1. Liposuction: Typically, liposuction costs between $3,000 and $7,500 per treated area. The overall cost may increase if multiple areas or extensive liposuction are involved.
  2. Tummy tuck (abdominoplasty): The cost of a tummy tuck usually ranges from $6,000 to $12,000 or more. Factors such as the procedure's extent and muscle repair contribute to the overall cost.
  3. Breast augmentation: Breast augmentation surgery generally starts around $4,000 and can exceed $10,000, depending on factors like implant type and surgeon fees.
  4. Mommy makeover: Combining procedures like breast augmentation, tummy tuck, and liposuction in a mommy makeover can cost between $10,000 and $20,000 or more. The overall expense depends on the extent of the makeover.

Types of  body contouring

Below are the most common types of body contouring procedures to be aware of where individuals can obtain financing for:

  • Liposuction: A surgical procedure that removes excess fat deposits from specific areas of the body to improve contour and proportion.
  • Tummy tuck (abdominoplasty): Involves the removal of excess skin and fat from the abdominal area, as well as tightening the abdominal muscles for a firmer and flatter abdomen.
  • Body lift: A comprehensive procedure that addresses sagging skin and excess fat in multiple areas of the body, such as the abdomen, thighs, buttocks, and arms.
  • Breast augmentation: Enhancing the size and shape of the breasts through the use of implants or fat transfer.
  • Breast lift: Involves lifting and reshaping the breasts to correct sagging or drooping, resulting in a more youthful appearance.
  • Brazilian butt lift: Utilizes fat transfer to enhance the shape and size of the buttocks for a fuller and more lifted appearance.
  • Arm lift (brachioplasty): Removes excess skin and fat from the upper arms to achieve a more toned and proportionate arm contour.
  • Thigh lift: Targets sagging skin and excess fat in the thighs, resulting in a more sculpted and defined thigh appearance.
  • Mommy makeover: A combination of procedures typically performed after pregnancy and childbirth, which may include breast augmentation or lift, tummy tuck, and liposuction to restore a woman's pre-pregnancy body shape.
  • Non-surgical body contouring: There are also non-surgical options available, such as CoolSculpting (cryolipolysis) or laser treatments, which use targeted techniques to reduce fat and improve body shape without surgery.

Does body contouring really work?

Yes, body contouring procedures can be effective in achieving desired changes in body shape and contour. However, the effectiveness of body contouring depends on several factors, including the specific procedure chosen, the patient's individual circumstances, and their expectations.

Will my health insurance cover body contouring?

Body contouring procedures are typically considered elective surgeries and are unlikely to be covered by health insurance. Since they are not medically necessary, insurance providers generally do not provide coverage or financial assistance for these procedures.

It's important to understand that insurance companies typically consider body contouring as a cosmetic procedure rather than a medically required treatment. Cosmetic procedures are usually performed to enhance one's appearance, improve self-confidence, or address aesthetic concerns, rather than to treat a medical condition or alleviate symptoms.

As a result, individuals seeking body contouring procedures are typically responsible for covering the costs themselves. This means that financing options, such as personal loans or specialized medical financing programs, may need to be explored to manage the expenses associated with the procedure.

Do body contouring scars fade?

After undergoing a body contouring procedure, it is important to be aware that the resulting scars will undergo a natural fading process over time, becoming less noticeable. However, it is essential to understand that scars from body contouring procedures will typically not completely disappear.

The extent of scar visibility can vary depending on factors such as the individual's healing process, their skin type, and the specific procedure performed. Nonetheless, a skilled and experienced surgeon will make efforts to strategically place the incisions in areas that are less visible or easily concealed.

Compare Offers


Ready to find the best loan for cosmetics & plastic surgery procedures? Get started!

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in just minutes and compare offers from top lenders. Checking rates won’t affect your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds.

Compare Personal Loans in Minutes

Apply online and find your rate. Checking rates won’t affect your credit score.

Body Sculpting Loan Calculator

How much do you need to borrow?


Total Payment


Total Interest


Monthly Payment


Ready to apply for a personal loan?

Compare rates from top lenders with no impact on your credit, ever.

Find Your Personalized Rate

How can I finance body contouring procedures?

The most common ways to finance body contouring are:

  • Savings: It is generally advisable to use your savings to finance expenses rather than taking out loans. While using your savings may be the most cost-effective option, it's important to consider your individual circumstances. Depleting your savings completely may not be wise as it eliminates your financial cushion and disrupts long-term investment plans.
  • Personal Loans: A personal loan is a commonly used method for funding body contouring procedures. This type of loan allows you to spread the cost over a period of time and offers reasonable interest rates if you have a good credit score. It provides flexibility as the money is paid directly to you, enabling you to cover the procedure costs and additional expenses from a single source.
  • 0% APR Credit Cards: Although credit cards can be an expensive way to borrow, qualifying for a 0% APR card can make it a cost-free loan option. However, it's important to remember that the 0% APR is usually an introductory offer that lasts for a limited time, after which the interest rate will increase significantly.
  • Home Equity Line of Credit (HELOC): If a full-body lift costs around $30,000, a Home Equity Line of Credit can be a viable option. Operating similarly to a credit card, a HELOC allows you to borrow against the equity in your home at low interest rates. Lenders can offer favorable terms and higher credit limits because your home serves as collateral. However, it's important to note that defaulting on the loan puts your home at risk.
  • 401(k) Loan: Some 401(k) retirement plans allow you to access your savings before reaching retirement age. This can be an attractive option for financing body contouring because it typically doesn't involve a credit check or interest charges. However, it's crucial to ensure that borrowing from your 401(k) doesn't negatively impact your long-term retirement plans.
  • In-House Financing: Many specialized body contouring companies offer financing options in partnership with lending institutions. While this can be convenient, it's essential to compare the terms and conditions with other financing alternatives before making a decision.

Pros & Cons of Body Contouring Financing


  • It allows you to get the body you want
  • You can have the procedure now and not have to save up
  • You retain your investments and savings
  • The cost is spread over time


  • Meeting the loan repayments may mean you have to postpone other plans
  • Without good credit, borrowing can be expensive and hard to find

What credit score do you need to obtain body contouring financing?

The credit score requirement for obtaining body contouring financing can vary depending on the lender and the specific financing option you choose. In general, a good to excellent credit score is often preferred by lenders for offering competitive interest rates and favorable terms.

A credit score above 700 is generally considered good, and a score above 750 is typically considered excellent. However, lenders may have different criteria, and some may be willing to work with borrowers who have lower credit scores or offer alternative financing options.

Can I get body contouring with bad credit?

Obtaining body contouring financing with bad credit can be challenging, but there are options to explore:

  • In-house financing: Some body contouring clinics or specialized financing companies offer their own financing options, which may be more flexible with credit requirements.
  • Cosigner: A trusted individual with good credit can cosign the loan, improving your chances of approval and securing better terms.
  • Secured loans: Providing collateral, such as a valuable asset, can increase the likelihood of approval despite bad credit.
  • Local credit unions or community banks: They may have more lenient lending criteria and a personalized approach to evaluating loan applications.
  • Improve your credit score: Work on making timely payments, reducing credit card balances, and addressing negative items on your credit report to enhance your creditworthiness.
  • Thorough research: Compare different financing options, carefully reviewing terms and interest rates to make an informed decision.

How to apply for body contouring financing

To apply for body contouring financing, consider the following steps:

  • Research lenders: Explore different lenders and financing options available.
  • Gather information: Collect necessary documentation, such as proof of income, identification, and any required medical information.
  • Check credit requirements: Determine the credit score and other eligibility criteria required by the lender.
  • Submit application: Complete the application form provided by the chosen lender.
  • Provide documentation: Submit the required documentation to support your application.
  • Review terms: Carefully review the loan terms, including interest rates, repayment period, and any fees associated with the financing.
  • Sign agreement: If approved, sign the loan agreement and ensure you understand the terms and conditions.
  • Proceed with body contouring: Once the financing is approved and the terms are agreed upon, you can proceed with scheduling and undergoing the body contouring procedure.

Cosmetic Financing Options

Personal Loans for Every Occasion

Compare Personal Loans in Minutes

Apply online and find your rate. Checking rates won’t affect your credit score.

Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.