We’re here to support you with low rate cosmetic surgery loans from 6.74% 1 comparison rate 7.57% 2* for excellent credit.
Cosmetic surgery loans
Empowering
your
choices
your
choices
What can I use this for?
Procedures
we help
fund
- Aesthetic, reconstructive and aesthetic surgery
- Gender-affirming surgery
- Anaesthetist or hospital fees
- Consultations, aftercare, or travel costs
The Wisr Difference
Not your average lender
We’re smart, with a big heart.
Your rate is tailored based on your credit score.
You’ll get an outcome that’s right for you.
With no early repayment fees.
Learn how to keep them in shape.
Our customer service team is ready to help.
Loan Calculator
Doing the maths is smart
Calculate your repayments on a cosmetic surgery loan.
- Monthly
- Exceptional
Get estimate
Details
| Total Repayments | $0.00 |
|---|---|
| Total Interest | $0.00 |
| Amount Required | $0.00 |
| Establishment Fee | + $0.00 |
| Loan Total | $0.00 |
| Interest Rate (p.a.)1 | 0.00% |
Testimonials
For the part of you that learns from others
The Process
We keep it simple
- 01
Get your personalised rate estimate in 2 minutes
- 02
Apply online and get a response right away
- 03
Upload your documents
- 04
Sign on the digital line
- 05
Get your money within 24-48 hours, if approved
Product features and fees
- Loan purpose
Cosmetic surgery loan
- Interest rate
Fixed from 6.74% 1 to 24.54%
- Comparison rate
Fixed from 7.57% 2* to 25.32% 2*
- Loan amount
$5,000 – $62,000
- Terms
3, 5 and 7 years
- Establishment fee
$595
- Features
No early repayment fees
Eligibility criteria
- Gross income over $25,000 p.a.
- Over 18 years of age
- No unpaid defaults last 5 years
- No bankruptcies last 7 years
- Not currently in financial hardship
- Permanent Australian resident (living in Australia right now)
Q1: Do I need private health insurance?
No. While insurance may cover some procedures, you don’t need it to apply for a cosmetic surgery loan. If you do have cover, you can use the loan to top up any out-of-pocket costs.
Q2: What happens if my cosmetic surgery quote changes?
If the cost of your treatment changes, you may be able to adjust your loan amount before settlement. Contact us as soon as possible and we can run through your options.
Q3: What fees and charges should I know about?
We don’t charge any early exit fees. This means you can repay your loan in full at any time, without it costing you a penny.
We charge a one-off establishment fee at the beginning of your loan term. This $595 is included in your repayment calculations and averaged out over the life of the loan.
If your direct debit dishonours, we charge a $15 dishonour fee and a $30 late payment fee to cover the cost that the banks charge us and the operational task for our team to manage this.
Q4: How long will it take to get my funds?
Undergoing a cosmetic procedure is stressful enough - we don’t want to complicate matters anymore. At Wisr, we strive for a fast and thorough application process. With all the required documents, we can aim to have the money to you within 24-48 hours if approved.
FAQ
For the curious
Unfortunately not. We can only provide funding to domestic cosmetic procedures. For any travel related costs, you may be eligible for a travel loan.
More Resources
The boring (but important) stuff
Registered member of the Australian Financial Complaints Authority for dispute resolution | Partnered with Equifax . for credit reporting | Full-site HTTPS, AES-256 data encryption.
1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but who do not meet the requirements for our lowest rates. Interest rates range from minimum 6.74% to maximum 24.54% Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 6.24% comparison rate 7.57% and a $595 establishment fee, the monthly repayment would be $602.07 and the total cost over the life of the loan including the establishment fee would be $36,124.30.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
3: Comparison rates based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.
4: Comparison rates based on $10,000 secured loan, fixed over 3 years, with monthly repayments.
5: Comparison rates based on $30,000 secured loan, fixed over 5 years, with monthly repayments with a total loan amount compared to the vehicle asset valuation less than or equal to 130%.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms may result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.