Cheek Augmentation Financing

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Cheek augmentation financing

Cheek Augmentation Loan Options

Some people are unhappy with the way their cheeks lose volume or sag over time. Others simply never develop much collagen in their cheeks and as a result have flat, thin, or sagging cheeks from a young age. Since the face is something people see every day, cheek augmentation and fillers are quite common among those who wish to alter their natural appearance. If you’ve thought about having cheek augmentation you know how costly it can be, and so most people choose to seek cheek augmentation financing to fund their procedure.

Applying for cheek augmentation financing is fast and easy:

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What is cheek augmentation financing?

Cheek augmentation financing is any type of borrowing you do to pay for your procedure. This is most commonly in the form of a personal loan, but there are other options which we’ll cover shortly.

How does cheek augmentation financing work?

Cheek augmentation financing is usually a personal loan, which is where you borrow a lump sum from a lender and pay it back (plus interest) over a fixed period via a fixed weekly or monthly payment.

What are the best cheek augmentation personal loans?

In most cases, a personal loan is the best type of financing for cheek augmentation procedures. Some of the best personal loans are:

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.

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 cheek augmentation cost?

The national average surgeon fee for cheek augmentation was about $3,669 in 2020, but it’s likely that this cost has since gone up due to inflation. If you’re budgeting for cheek augmentation surgery, it’s also important to factor in additional surgery-related costs like medical check-ups, hospital stays, additional surgeon fees, and pain relief if they’re not included.

Who is a candidate for cheek augmentation?

The right candidate for cheek augmentation surgery is someone who is currently dissatisfied with the appearance of their face and cheeks but otherwise in good health. This procedure is popular among those who wish to preserve a plump and youthful facial appearance.

Are there different types of cheek augmentation?

Generally, you have a choice between:

  • Fillers: This is where very small quantities of liquid are injected into the skin to fill out the natural appearance of the cheeks. This is best if you’re looking for a subtle change, and are happy to return to the clinic every 4-12 months to have them boosted.
  • Implants: This is like breast or buttock implants, where silicone is placed under the skin to give the effect of larger or more defined cheekbones. This may be necessary if you’re looking to give yourself a look your body does not naturally have or to reconstruct the face.

Another option is to have fat moved from one area of the body to the cheeks, which can be a good option for those who want a more long-lasting and dramatic effect than dermal fillers but are not keen on implants.

Are implants better than fillers?

If you want to significantly change the shape of your face or want a permanent solution, implants will be a better option than fillers. However, note that you may need to have the implants replaced in the future, so while they are the more permanent solution of the two, having them tweaked or replaced is a costly and invasive procedure.

Fillers are generally the best option for most people because they can be done in a short appointment and require no downtime, and can be built up over time. If you’re not sure what would be best for you, book an appointment with a professional for a consultation.

Is cheek augmentation permanent?

Not often - implants generally need replacing every 10 years and fillers will require a boost every 4-12 months, depending on your personal preference.

Will my health insurance cover cheek augmentation?

It’s unlikely, and if they will it is usually because you require a cheek augmentation procedure to rebuild the face after surgery or an accident.

What kind of results can I expect from cheek augmentation?

The results of dermal injections are generally subtle but can give a dramatic change to the appearance of the face. Fat grafting and cheek implants are much more dramatic, and implants especially can change the entire structure of the face. Talk to your surgeon about what is possible for you.

How can I finance cheek augmentation?

Regardless of the type of cheek augmentation procedure you choose, your financing options are:

Savings: While saving money is often easier said than done, using your savings is one of the safest and most sensible ways to cover any type of expensive procedure. It reduces the amount you’ll have to pay back to a lender and places you in more of a position of financial power.

Personal Loans: When it comes to borrowing money, a personal loan is the most popular choice. It’s helpful in situations like these because it lets you spread out the cost over a few years, placing you under less immediate financial pressure. It’s also a good choice if you expect to have to pay for several different treatment-related costs because the full amount is paid directly in your bank account instead of being paid to the surgeon.

0% APR Credit Cards: If you’re thinking about dermal fillers, which generally cost between $400 and $1,200, a 0% APR credit card can be a smart way to borrow. 0% APR introductory rates generally last from 3 to 21 months, so you’ll be able to easily pay off the cost before the end of the introductory period.

HELOC: If you are thinking about a fat graft or implants, you could consider a Home Equity Line of Credit. This provides you with a line of credit that you can borrow as and when you need it, and you are only required to pay interest on what you use (like a credit card). This financing typically comes with high credit limits and low rates, but be aware that your home is at risk should you default.

401(k) Loan: Some 401(k) plans let you take out a loan from your future retirement savings. This can be helpful as it doesn’t involve interest or a credit check. 401(k) loans typically come with strict repayment rules, so think carefully about this type of financing option before you jump into it.

In-House Financing: Most cosmetic surgeons offer in-house financing, which generally comes in the form of a loan through a partner lender. This in-house financing option is often set up as a payment plan in which you pay the surgeon directly. This type of option can come with attractive repayment terms but be sure to do your research in case you can get a better deal through an external lender.

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Pros & Cons of Cheek Augmentation Financing


  • Feel happy when you look in the mirror and have a more youthful appearance
  • You can get your treatment now rather than waiting to save up
  • Your savings can remain untouched
  • Spread the cost


  • If you choose a more costly procedure and have to borrow a significant amount, you’ll likely need to put major life decisions aside until you’ve paid off the loan
  • Financing options are often prohibitively expensive if you don’t have good or excellent credit

What credit score do you need to obtain cheek augmentation financing?

You’ll need a score of at least 600 to qualify for most affordable financing options, but a score over 690 is recommended.

Can I get cheek augmentation financing with bad credit?

It’s unlikely - most financing options for bad credit have low credit limits and high-interest rates, which will make them unsuitable for most people.

Cheek Augmentation Financing Calculator

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How to Qualify for Cheek Augmentation Financing

To qualify for affordable cheek augmentation financing, you will generally need:

  • a credit score of 660 or more
  • a debt-to-income ratio of no more than 30%
  • annual income of at least $20,000

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Having surgery on any part of your face is a serious decision and should be considered carefully. If you’re thinking about getting cheek augmentation surgery, your best bet is to speak to a surgeon so they can give you an idea of what to expect in terms of physical results and overall cost.

When you’re ready to start the process, you can compare loan options and start applying. We’ve put together the best cheek augmentation personal loans in our tables, so compare rates and find the best loan for you. When you find the right option for you, just click apply and you’ll be on your way to achieving your surgery goals.

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