Tummy Tuck Financing

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Tummy tuck financing

How to Get a Loan for a Tummy Tuck

Most of us have a less-than-perfect relationship with our midsection, whether we’re happy with our weight otherwise or not. That area just seems to hold onto excess fat no matter what and many people choose to get a tummy tuck to help boost their confidence and balance out the look of their body. A tummy tuck procedure is something you should always invest in (no budget surgery!), so you may need to seek tummy tuck financing to fund the procedure.

Applying for tummy tuck financing is fast and easy:

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Borrow up to $100,000 as fast as next business day

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What is tummy tuck financing?

Tummy tuck financing is any borrowing you do to cover the costs of your tummy tuck surgery and recovery costs. Most people use a personal loan for this, but there are other financing options available.

How does tummy tuck financing work?

Most people choose to get a personal loan to pay for their tummy tuck. This is where you borrow a lump sum amount and pay it back (plus interest) over a fixed term, usually 2-5 years.

What are the best tummy tuck 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..

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.

How much does a tummy tuck cost?

According to the American Society of Plastic Surgeons, the average tummy tuck costs around $6,150. This is the cost of the procedure alone, and depending on the surgeon you go to, you may need to budget further funds for other costs.

Are there different types of tummy tucks?

There are two types of abdominoplasty (tummy tuck):

  • Partial: A partial tummy tuck is where a sizable incision is made across the lower abdomen and then excess fat and skin is removed. The skin is then pulled tight and stitched in place.
  • Full: A full tuck involves an incision from hip to hip, right above the pubic area, and another incision separates the belly button from the tissue surrounding it. Again, fat and excess skin is removed and then the skin is stitched into place.

Will my health insurance cover a tummy tuck?

No, a tummy tuck is an elective surgery and so in almost all cases, you’ll need to cover the cost of the surgery yourself.

How much weight do you lose from a tummy tuck?

You can expect to lose 5-15lbs after a tummy tuck, though this does vary from person to person.

Who is a candidate for a tummy tuck?

There aren’t any strict rules around who is and isn’t eligible for a tummy tuck (besides having enough of a tummy to require it in the first place), you simply need to be healthy enough to undergo the procedure.

What kind of results can I expect from a tummy tuck?

Generally, you can expect that any pouch or sagging tummy will be removed and you’ll have a flat stomach (note that this means flat and not a 6-pack).

How can I finance a tummy tuck?

The best ways to finance a tummy tuck are:

  • Savings & Assets: a tummy tuck is not cheap, but if you can, consider using your savings and any easily liquidated assets before you consider borrowing, as this will be the cheapest way to fund your procedure.
  • Personal Loans: this is the most popular choice for those looking for tummy tuck financing. A personal loan allows you to spread the cost over several years (typically 2-5 years) and generally have good interest rates. The lump sum you borrow is paid directly into your bank account, so you can use the money to pay for the procedure and associated costs as and when you please.
  • 0% APR Credit Cards: If you can get a credit card with a long 0% APR period to cover some or all of your procedure, it can be one of the best ways to borrow, provided you pay it off or move the balance before the introductory period ends. If you have excellent credit, a low-interest card can be another good option.
  • HELOC: A Home Equity Line of Credit gives you access to a line of credit you can use as necessary, like a credit card. These usually come with higher credit limits and lower interest rates than other options, but you need to be aware that your home is at risk if you don’t keep up repayments.
  • 401(k) Loan: If you have a 401(k) retirement plan, consider taking a loan out from your future savings. You can borrow up to 50% of the money you’ve saved (or $50,000 if you’ve saved over $100,000) and pay it back over a term of around 5 years. There’s no credit check or interest, but there are usually additional terms and conditions, so do your research thoroughly. Not all 401(k) plans allow you to do this.
  • In-House Financing: Most cosmetic surgeons offer in-house financing. This is typically a personal loan provided by a partner lender, and the funds are paid directly to your surgeon. This can be a good option, but make sure you compare it to the rates you can get through external funding options to ensure you’re getting the best interest rate you can.

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Pros & Cons of Tummy Tuck Financing


  • Get improved posture and abdominal tone, both of which can improve overall health
  • Get treatment now, rather than saving and waiting
  • Keep your savings and investments intact
  • Spread the cost


  • You may find you have to put off other major life decisions until you’ve paid this loan off
  • Financing is expensive if you have fair or poor credit

What credit score do you need to obtain tummy tuck financing?

You’ll generally need a minimum score of 600, though you’ll need a score of 660 or more for the most affordable rates.

Can I get tummy tuck financing with bad credit?

It may be possible, but it will be extremely expensive, so make sure you’re realistic about what you can afford and consider holding off until you’ve saved up or improved your credit score.

Tummy Tuck Financing Calculator

Make sure you understand what your tummy tuck financing will cost you with our calculator:

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How to Qualify for Tummy Tuck Financing

To qualify, you’ll generally need:

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

Compare tummy tuck personal loans and apply

If you’ve decided a tummy tuck is the right next step for you, it’s time to start thinking about financing. Before you jump into any financial decisions, book a consultation with a plastic surgeon to get an accurate estimate of what your desired results will cost you. Once you know how much money you need, you can compare loans and apply.

Start searching for your financing here - we’ve rounded up the best tummy tuck personal loans in our tables, so compare rates and find the loan that best suits your circumstances. When you find the right one for you, simply click apply. You’ll soon have the funds you need to have your surgery.

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