Eyelid Surgery Financing

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Eyelid Surgery Loan Options

If we don’t like the way a part of our body looks, we can often use clothes, hair, or makeup to improve or hide it, but when it comes to aging around the eyes, there’s little we can do to change the way our eyes appear. Eyelid surgery (a blepharoplasty) is the best way to address aging concerns around the eyes. This procedure can be costly, so you may decide to utilize eyelid surgery financing to afford your procedure.

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What is eyelid surgery financing?

Eyelid surgery financing is any form of borrowing you do to pay for your blepharoplasty. This may be in the form of a personal loan, credit card, or a combination of different methods.

How does eyelid surgery financing work?

The most common form of eyelid surgery financing is a personal loan. You apply to a lender for the amount you need to borrow and once approved, they will deposit the full amount into your bank account. You can then use this money to pay for your surgery and any costs associated with your recovery. The loan (plus interest) will be paid back via weekly or monthly payments over a term (typically) of 2-5 years.

What are the best eyelid surgery personal loans?

  • Avant: borrow $2,000-$35,000 at 9.95-35.99% (minimum credit score: 550)
  • Axos Bank: borrow $10,000-$50,000 at 6.79-17.99% (minimum credit score: 700)
  • LendingClub: borrow $1,000-$40,000 at 7.04-35.89% (minimum credit score: 600)
  • LightStream: borrow $5,000-$100,000 at 4.49-20.49% (minimum credit score: 660)
  • Universal Credit: borrow $1,000-$50,000 at 8.93-35.43% (minimum credit score: 560)
  • Upgrade: borrow $1,000-$50,000 at 5.94-35.47% (minimum credit score: 560)

What are the different types of eyelid surgery?

There are several different types of blepharoplasty you can use to improve the appearance of your eyes:

  • Upper blepharoplasty: this procedure improves the appearance of drooping, wrinkles, and puffiness around the upper eyelid. Muscles are tightened, excess skin removed, and tissue will be repositioned to give an attractive and natural appearance.
  • Lower blepharoplasty: this procedure improves the appearance of the lower eyelid and the area beneath the eye. Excess skin will be removed and skin tightened.
  • Bilateral eyelid surgery: this combines both above procedures.
  • Double eyelid surgery: this surgery helps improve the appearance of monolids, where a hooded eyelid is so extreme it meets the upper eyelashes when the eye is open. This procedure is most common amongst East Asians but can be beneficial for anyone with an extreme hood.

How much does eyelid surgery cost?

According to the American Society of Plastic Surgeons, the average cost is about $4,000.

Can you get an eyelid lift without surgery?

If you’re looking for more subtle changes, you may be able to achieve them with a combination of Botox and fillers, but this will depend on what results you’re looking for. While these options can help open up the eye area, they won’t be able to tackle sagging or excess skin.

What is the eyelid surgery recovery process like?

Generally, it will take about 10 days to recover from eyelid surgery. In the early days, your doctor will likely advise you to use cold packs to reduce swelling, wear sunglasses at all times when outside to avoid sun damage, and avoid anything too strenuous on your eyes (which may include long periods of looking at screens). You can expect to see the final result after 8 weeks when all swelling has gone down.

Is eyelid surgery painful?

The procedure itself won’t be painful, but you will likely experience some pain and discomfort after the procedure. You should be back in a relatively normal routine within a couple of days of your procedure, and over-the-counter painkillers are usually sufficient to manage pain in the first days or week after the procedure.

How long do the results of eyelid surgery last?

Generally, the results of any eyelid surgery should last 8 years or more.

How can I finance eyelid surgery?

Here are some of the financing options you have for eyelid surgery:

  • Savings: you should always consider using savings or liquidating assets (provided it won’t cost you to do so) as it will be the most cost-effective option.
  • Personal Loan: this is the most popular option for eyelid surgery financing. This allows you to borrow a large lump sum and use it as you please, paying it back over a term of 2-5 years, though shorter and longer terms are available. Interest rates are usually 6-20%, depending on your creditworthiness.
  • Credit Card: while it’s generally not advisable to use just any credit card to fund your surgery, since their credit rates are generally around 24%, a credit card with a long 0% APR introductory rate or a low interest rate can be a good option, especially if you plan to use some of your savings.
  • 401(k) Loan: if your 401(k) plan allows it, you can sometimes loan the money from your future retirement funds. This is a good option for many because you don’t need a credit check (good news if your credit score leaves something to be desired) and there’s no interest to pay, but there are usually strict terms you need to weigh up before choosing this method.
  • HELOC: If you own your home, then a HELOC (Home Equity Line of Credit) may be a good option for you. This is where you are given a line of credit you can use as you please (as with a credit card) and only pay interest on the money you’ve actively borrowed. The downside of this option is that it’s secured against your home, so if the worst was to happen you could lose your home.
  • In-House Financing: Most plastic surgeons offer in-house financing through a partner lender. You may find this the most convenient option, but make sure you compare rates with those you could get through an independent lender.

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What are the pros and cons of eyelid surgery financing?


  • You don’t need to wait to save up
  • Most options have low interest rates for those with good or excellent credit
  • Spread the cost over a term that suits you


  • If you also need to pay for your time off work during your recovery, you may need to cover a much larger sum than the cost of the procedure.
  • If you don’t have good credit, most financing options are expensive.

Will my health insurance pay for eyelid surgery?

Your health insurance will only cover eyelid surgery if it is recommended by your doctor for medical reasons. If it is purely cosmetic, you’ll need to cover the cost yourself.

What credit score do I need for eyelid surgery financing?

You may be able to find financing if you have a lower credit score, but you probably won’t be able to get an affordable interest rate. To be eligible for the most affordable rates, you’ll need a credit score of 690 (FICO) or higher.

Can I get eyelid surgery financing with bad credit?

You may be able to, but it’s likely not a good idea. Use our financing calculator below to find out if eyelid surgery financing is an affordable option for you or not. If not, consider saving up or working on improving your score so you can get the financing you need.

Eyelid Surgery Financing Calculator

Use the calculator below to find out how affordable financing your eyelid surgery can be:

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How to Qualify for Eyelid Surgery Financing

To qualify for affordable eyelid surgery financing, you’ll need (in general):

  • Income of $20,000 a year, or more
  • A credit score of 660 or higher
  • A good income-to-debt ratio (generally 20% or lower)

Compare rates and apply

If you’ve decided eyelid surgery is the best next step for your relationship with yourself, then it’s time to book a consultation with a surgeon. Once you know the cost of the results you want to achieve, you can start comparing rates and apply. We’ve rounded up the best eyelid financing personal loans in our tables, so start comparing rates now and when you find one that suits your circumstances, all you need to do is apply. You’ll soon have the financing you need to get the procedure that will help you feel brighter, happier, and more confident.

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