Body Lift Financing

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Body Lift Financing

How to Get a Loan for a Body Lift Procedure

A body lift is often the final step on a long health journey - you’ve lost all the weight, turned your life around, and now you’re ready to have the body you deserve. While our body can fluctuate in size easily, our skin doesn’t always retain its elasticity. A body lift is the only way to trim down and get the tight, smooth look you’re looking for, and to afford the procedure you may choose to seek body lift financing.

Applying for a body lift loan is fast and easy:

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What is body lift financing?

Body lift financing is any form of borrowing you do to cover the costs of your body lift surgery and any costs associated with your recovery. Most people choose to use a personal loan, but there are other financing options available, which we’ll discuss shortly.

How does body lift financing work?

If you choose the most popular form of body lift financing - a personal loan - you’ll borrow a lump sum amount from a lender which will then be deposited into your bank account to use at your discretion. You’ll then repay the loan (plus interest) via monthly repayments, usually over a term of 2-5 years.

What are the best body lift personal loans?

A personal loan is often the best choice for financing a body lift. Here are some of the best loans available:

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..

LendingPoint: borrow $1,000-$40,000 at 7.04-35.89% (minimum credit score: 600)

Lendingpoint Personal Loans


Funding: Borrow $2,000 - $36,500
Minimum Credit Score: 580
APR: 9.99-35.99%
Loan term: 2 - 4 years
Funding turnaround: as fast as within 24 hours

With LendingPoint, borrowers with fair credit can obtain a loan between $2,000 - $36,500 and get funded within 24 hours. Origination fees may apply.

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.

Upgrade: borrow $1,000-$50,000 at 5.94-35.47% (minimum credit score: 560)



Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

How much does a body lift cost?

The cost of a full body lift varies from surgeon to surgeon, as they may offer a package that another surgeon does not, and the cost will vary somewhat depending on your body’s needs. Some people need an extensive lift around their torso, but very little in the lower body, and so their cost will be very different to someone who needs extensive treatment all over. That said, the cost of a total body lift (covering all major areas) will cost around $30,000.

What are the different types of full body lift?

Most full body lifts include a thigh lift, buttock lift, posterior body lift, and a circumferential body lift, though these may be called something slightly different by your surgeon. A full body lift is usually covered as:

  • An Upper Full Body Lift: This covers any lifts in the upper body, usually targeting the arms, breasts/chest, and skin on the back. This covers the area from the chin down to the ribcage in most cases.
  • A Mid Full Body Lift: This covers the midsection, covering the troublesome area around the abdomen and mid and lower back.
  • A Lower Full Body Lift: This focuses on the entire lower body, usually including the butt, thighs, and hips.

Of course, you can also have an entire body lift, which encompasses all of these sections. The only differing factor besides the results you’ll have is the cost and the recovery time.

What is a 360 body lift?

A 360 body lift isn’t what you might expect - it does not cover the entire body. A 360 body lift actually focuses on the area most of us have the most trouble with in terms of carrying weight; our lower abdomen, lower back, hips, and buttocks.

Will my health insurance cover a full body lift?

Unlike many other forms of body lift, you may be able to have a part of your surgery covered by your health insurance. Your health insurance may cover a portion (or even all) of your costs if:

  • You underwent bariatric surgery at least 12 months ago, and now desire body contouring
  • You have lost more than 100lbs
  • You have maintained a stable weight for at least 6 months
  • If your excess skin is causing discomfort in the form of chafing, rashes, infections, etc.

Note that some aspects of your body lift may still be seen as an elective procedure, and so you may need to cover those costs even if your health insurance covers a full body lift. Your surgeon and insurance provider will be able to tell you more.

Is a full body lift a risky procedure?

Any invasive procedure comes with risks, and a body lift procedure is no different. Your surgeon will educate you on the risks involved so you’ll go into your surgery with your eyes open. The most important factor here is to not cut corners to save money - make sure you get the best surgeon you can afford.

Who is a candidate for a full body lift?

You are a candidate for a full body lift if:

  • You have significant skin/soft tissue looseness in multiple areas
  • You have lost significant weight and have kept it off for some months (minimum of 3 but 6 is usually necessary for most health insurance policies)

If you plan to have (or continue having) children soon and will be the person carrying the pregnancy, it’s best to wait until you have stopped having children to have your procedure so you can have long-lasting results.

What kind of results can I expect from a full body lift?

This depends somewhat on what body you have underneath the excess skin, but generally, the results are dramatic and miraculous once the inflammation has gone down.

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How can I finance a full body lift?

The best ways to finance an arm lift are:

  • Savings: a full body lift can be seriously costly, at around $30,000 if you want to cover all areas. You may not want to deplete your savings for the procedure, but it may be a good idea to use some or liquidate some assets if you can so you don’t have to borrow the full amount.
  • Personal Loans: personal loans are by far the most popular choice for funding full body lifts, as most help you access large amounts over a fixed period of around 5 years. How much you can borrow and at what interest rate will depend on your creditworthiness and income.
  • 0% APR Credit Cards: It’s highly unlikely you’ll be able to fund the entirety of your full body lift with credit cards, especially if you’re looking to get a new card with a good introductory offer such as 0% APR, but if you are planning to use savings for the majority of the cost, spreading some of the costs with a 0% APR card (or low-interest credit card) can be a smart way to borrow.
  • HELOC: A Home Equity Line of Credit may be one of the best options available if you own your own home. This works like the line of credit you have access to with a credit card, but works much more like a bank account you can dip into as and when you need. Like a credit card, you only pay interest on the money you actually borrow, and the credit is usually made available again when you pay it back. HELOCs usually provide relatively high credit limits at good or even low-interest rates, but of course, this is because the line of credit is secured by the equity in your home. This means that you risk losing your home if you default on your repayments.
  • 401(k) Loan: If you’ve been diligently maxing your 401(k) for some time, you may be able to use a 401(k) to pay for all or a part of your treatment. Not all 401(k) plans allow this, but those that do allow you to borrow a maximum of $50,000 or 50% of your account balance, whichever is higher. Make sure you do your research about what this involves for your plan so you can decide if it’s the right move for you. These don’t require a credit check or interest, but there can be penalties and taxes if you fail to repay on time.
  • In-House Financing: Most surgeons offer in-house financing, usually in the form of a personal loan through a partner lender. These loans are usually set up as a payment plan and the money is paid directly to the surgeon. Make sure you do your research and compare what they’re offering compared to what you could get through an external lender to ensure you’re getting the best deal.

Pros & Cons of Body Lift Financing


  • Finally get the body you know is under the excess skin
  • Get treatment now, rather than saving up (which can take a long time for a treatment like this)
  • Keep your savings intact
  • Spread the cost


  • This is a costly procedure, so you’ll need to be aware that it may hold you back from other major life decisions until you have paid it off
  • Financing will be difficult to get (at an affordable rate) for those without a big income or excellent credit

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

Due to the high cost of this procedure, it’s best not to consider financing unless you have a credit score of 690 or higher. If you have a credit score below 660, consider spending some time improving your credit score before you think about applying for financing.

Can I get body lift financing with bad credit?

It’s unlikely - the costs are high and so you’ll likely struggle to make repayments. Look into whether your health insurance will cover some or all of the cost and work on improving your score and saving money so you can get the surgery in the future if your health insurance won’t cover you.

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How to Qualify for Body Lift Financing

To qualify for body lift financing, you’ll generally need:

  • A credit score over 660
  • A debt-to-income ratio of 30% or less
  • Annual income over $50,000 (monthly repayments are usually around $550, so you’ll need to easily afford that as well as all normal living expenses)

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A body lift is not just a cosmetic treatment - it’s something you need to feel comfortable and confident in your own skin. If you’ve decided now is the right time to pursue your dream body, make sure you book that consultation with a plastic surgeon and get a realistic estimate of what the results you desire will cost you.

Once you know the cost, it’s time to compare rates of the best body lift personal loans in the tables here and find the loan that’s right for you. When you find the loan that best suits your circumstances, click apply and follow their instructions. You’ll soon have the funding you need to get your dream body.

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