Thigh Lift Financing

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If you’d rather do just about anything other than wear shorts in public because your thighs make you feel so insecure, a thigh lift may be the procedure you need to have a better relationship with your body and feel more confident in your own skin. A thigh lift isn’t a cheap procedure, and so you’ll likely need to consider thigh lift financing to fund your surgery.

Applying for thigh lift financing is fast and easy:

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What does a thigh lift do?

A thigh lift (called a thighplasty) tightens the skin around the inner and outer thigh area, helping to remove issues caused by a lack of skin elasticity where they have become saggy or dimpled in appearance.

What is thigh lift financing?

Thigh lift financing is any form of borrowing you do to cover the costs of your thigh lift surgery and any associated costs. This is usually a form of personal loan, but you can also consider credit cards, lines of credit, and other options.

How does thigh lift financing work?

Most thigh lift financing comes in the form of a personal loan. This is where you apply for a lump sum amount which, once approved, is deposited into your bank account for you to use as you please. You then pay the loan back (plus interest) via weekly or monthly installments over a fixed term (typically 2-5 years).

How much does a thigh lift cost?

The average cost of a thigh lift is around $5,355 according to 2020 statistics from the American Society of Plastic Surgeons. Note that this average covers only the cost of the procedure, and you’ll need to check with your surgeon as to what additional costs there may be.

Who is a candidate for a thigh lift?

There are no hard and fast rules around who can and can’t have a thigh lift, but you’ll need to be healthy, with a stable weight, and have excess soft tissue around the thigh area.

How long does a thigh lift last?

You’ll see results immediately, but all inflammation takes around 10 days to clear. After that the results are “permanent”, though you’ll still age naturally and weight changes can change the appearance of your thighs.

Will a thigh lift reduce cellulite?

Yes, it often does. A thigh lift can reduce the appearance of cellulite or even eliminate it altogether, though you may want to talk to your surgeon about also having liposuction if you want to significantly change the shape of your thighs.

Will health insurance pay for a thigh lift?

No, in almost all cases a thigh lift is an elective surgery and so health insurance will not cover it.

What kind of results can I expect from a thigh lift?

You can expect tighter, smoother skin in the thigh area, often with a reduce in size due to the reduction in excess skin.

How can I finance a thigh lift?

The best ways to finance a tummy tuck are:

  • Savings & Assets: it’s always best to consider using your savings and investments first before you consider borrowing, since it will be the cheapest way to fund your thigh lift.
  • Personal Loans: a personal loan is usually the best choice for someone looking for thigh lift financing, as it allows you to spread the cost over a fixed period and you can either borrow just enough to top up your own funds or borrow the entire amount. Interest rates are generally 6-20% and terms are 2-5 years.
  • 0% APR Credit Cards: If you can get a 0% APR card with a long introductory period you can use it to cover some or all of the cost of your surgery and pay no interest for spreading the cost. You just need to make sure you pay off the balance or do a balance transfer before the introductory period ends or you may get burned.
  • HELOC: A Home Equity Line of Credit gives you access to a line of credit you can use as and when necessary, secured against your home. These generally have higher credit limits and lower interest rates but are secured on your home, so do come with an element of risk. Like a credit card, you only pay interest on the money you borrow, not the entire credit limit.
  • 401(k) Loan: If your 401(k) plan allows loans, you can consider using it to fund your surgery. You can use up to 50% (or a maximum of $50,000) of your account balance as a loan and pay it back over a term of about 5 years. You don’t need a credit check and there is no interest to pay, but there can be some long-term implications, so make sure you read the terms and conditions carefully.
  • In-House Financing: You can often get in-house financing from your cosmetic surgeon. Most in-house options are through a partner lender and are actually a personal loan (the only difference is the money is paid directly to the surgeon instead of your bank account) so make sure you compare rates and options with alternative lenders to ensure you’re making the right decision for you.

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Pros & Cons of Thigh Lift Financing


  • Stop feeling ashamed of your thighs and feel comfortable in your own skin
  • Get surgery now, rather than waiting and saving
  • Keep your savings and investments intact
  • Spread the cost


  • You may need to put other big life decisions on hold until you’ve paid off the loan
  • Financing options are often too expensive for those with fair or poor credit

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

You’ll usually need a score over 600, though you’ll need a score of 660 or more to achieve the best rates.

Can I get thigh lift financing with bad credit?

It’s unlikely - at least not at a rate that would make it a wise decision to do so. If you have a bad credit score consider saving up and/or improving your score before you have your surgery.

Thigh Lift Financing Calculator

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What are the best thigh lift personal loans?

Most people find a personal loan is the right way to fund a thigh lift procedure. Here are some of the best:

  • 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)
  • Upstart: borrow $1,000-$50,000 at 4.81-35.99% (minimum credit score: none)

How to Qualify for Thigh Lift Financing

To qualify for thigh lift financing, you’ll (generally) need:

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

Compare thigh lift personal loans and apply

If you’re ready to stop hiding your thighs and feel better about your body, then a thigh lift is likely the best next step for you. Book a consultation with a surgeon to get an accurate estimate of what the results you want will cost you, and then you can start searching for financing in earnest.

Most people find that a personal loan is the best way to fund a thigh lift, so start your search here. We’ve rounded up the best thigh lift personal loans in our tables so compare rates and find the loan that’s best for your circumstances. When you find the one that’s best for you, simply click apply and you’ll soon have the funding you need for your thigh lift.

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