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Plastic Surgery Financing Options: 6 Best Loans for 2026

By U.S. News & World Report

From face-lifts to liposuction to breast enhancements, cosmetic surgery is more popular than ever. There were nearly 1.6 million procedures completed in 2024, according to the most recent statistics from the American Society of Plastic Surgeons.

While plastic surgery might leave you looking your best, brace for a dent in your bank account. “Cosmetic procedures are almost always considered elective and not medically necessary, so they’re not typically covered by insurance, leaving the entire financial burden on the patient,” says Jill Behm, senior vice president and general manager of cosmetic at Synchrony, which issues CareCredit, a credit card for health and wellness purchases.

If you are interested in elective cosmetic surgery but don’t have the cash up front, you can look into financing options such as personal loans. Here are six top personal loans for plastic surgery, as well as tips on how to choose which loan — or alternate financing — is right for you.

Best Personal Loans for Cosmetic Surgery Financing

Best for No Fees: LightStream by Truist

APR:

6.49% to 24.89% Loan amounts: $5,000 to $100,000 Terms: Up to 240 months

Why We Picked It

LightStream by Truist’s personal loans feature competitive rates and flexible terms for borrowers with good or excellent credit. The entire application can be completed digitally, making it a convenient option to fund your cosmetic surgery.

Best for Competitive APR Cap: Discover

APR: 7.99% to 24.99% Loan amounts: $2,500 to $40,000 Terms: 36 to 84 months

Why We Picked It

Discover is a well-known, reputable lender offering a competitive APR cap. Also, those who have lower-cost procedures can borrow as little as $2,500.

Best Loan Amount Flexibility: Upstart

APR: 6.2% to 35.99% Loan amounts: $1,000 to $75,000 Terms: 36 or 60 months

Why We Picked It

Upstart has strong customer ratings and a large loan amount range that should cover the majority of cosmetic procedures. If you want to have a fast application process, Upstart can also get you funded in 24 hours, though timing can vary depending on when you apply and your situation. There will be an origination fee tacked on, however, so keep that in mind when comparing costs.

Best Flexible Term Options: Upgrade

APR: 7.74% to 35.99% Loan amounts: $1,000 to $50,000 Terms: 24 to 84 months

Why We Picked It

With a range of repayment terms and an easy online application process, Upgrade personal loans are a good option for people who want flexibility. You can check your rate in minutes with no hard credit inquiry and then apply and get funded in one day. Your cost depends on your credit, however, so watch out for high origination fees and APRs if your score is on the lower side.

Best for Fast Funding: SoFi

APR: 7.74% to 35.49% Loan amounts: $5,000 to $100,000 Terms: 24 to 84 months

Why We Picked It

SoFi is a popular personal loan provider for a number of reasons, from not charging any mandatory fees to the fast turnaround on funding. It also has stellar customer ratings. Just be mindful that if you don’t have strong credit, this might not be the best choice for you.

Best for Low APR: PenFed

APR: 6.09% to 17.99% Loan amount: $600 to $50,000 Terms: 12 to 60 months

Why We Picked It

If you’re willing to join a credit union, PenFed’s personal loans have competitive rates and a range of loan amounts. Anyone can join by opening a savings account. The loans have no fees, except when you’re late on making a payment. Funding may take a little longer than some online lenders.

How to Choose the Best Cosmetic Surgery Financing

“Before moving forward with a payment plan or financing solution, it’s important to determine whether your cosmetic care would be eligible for your financial savings program or covered by health insurance,” says Behm.

For example, if the procedure is considered reconstructive surgery to correct facial and body abnormalities caused by birth defects, injuries or diseases, it could be partially or fully covered. For example, a breast reduction for someone with a history of back problems may qualify for coverage.

If you have to pay out of pocket, before you shop lenders, shop medical providers, says Bruce McClary, spokesperson for the National Foundation for Credit Counseling. “Shop around in the marketplace to see if what you’re being charged is competitive,” he says. Tools like Fair Health Consumer can tell you average pricing based on your area.

The next step is to look at your resources to see how you can pay for the cosmetic procedure. Are you able to use some of your personal savings? Can you tap into your available credit?

Lastly, put each of your cosmetic surgery financing options to the affordability test. “Be mindful about how payments are going to fit into your budget, and what is the long-term cost, including interest above and beyond the price of the procedure,” says McClary.

Regardless of which route you take, on-time payments are critical for protecting your credit score and avoiding late fees, says Behm.

[Read: Credit Cards With Sign-up Bonuses]

How to Compare Plastic Surgery Loans

If you decide to take out a personal loan, follow these steps to find the best loan for your needs.

— Check your credit. Interest rates can vary considerably, and your approved rate will mostly depend on your credit score, says McClary. See where you stand before you shop for loans. The higher your score, the more likely you’ll qualify for the lower end of a lender’s APR range.

— See if you prequalify. If potential lenders have an option to check your rate without a hard credit check, go for it. It can give you some real numbers to compare. Just be mindful that you won’t know your official loan cost until you submit the full application.

— Look at rates and terms. “Make sure you’re keeping an eye on other types of fees you have to pay,” says McClary, such as origination fees. In addition, there may be terms and conditions that impact your repayment, like early payment penalties.

Other Ways to Finance Cosmetic Surgery

Provider Payment Plans

Before taking on a loan or credit card, have a conversation with your provider. “Sometimes you can work out a plan in which you’re not charged interest on the amount you have to pay and payments can be split up in installments,” says McClary. Your doctor may expect faster resolution than you might be able to afford, however, meaning the minimum monthly payment could be higher than what it would be with a loan or credit card.

Medical Credit Cards

Specialized medical credit cards

, like CareCredit, are designed for patients to cover their out-of-pocket expenses. Typically, you can apply in your provider’s office. These cards often offer deferred interest, which means if you don’t pay your balance within the promotional period, you’ll be charged retroactive interest. So, have a plan for paying off your balance before the promotional period ends.

Regular Credit Cards

Regular credit cards may be worth exploring to cover the cost of cosmetic procedures — especially if you have a high enough credit score to qualify for a 0% introductory APR offer, says McClary. “If there’s enough room in the credit line to cover the cost, it’s certainly a viable option.” These cards usually offer between 12 to 18 months of no interest, but then the regular APR will kick in. If you think you can make significant progress on the bill before the promotional period ends, you may save on borrowing costs.

[Read: Best Personal Loans.]

Plastic Surgery Financing Options to Avoid

There are some types of borrowing you should try to avoid at all costs, says McClary. For example, drawing funds from your 401(k) or other retirement accounts. ‘”You’ll be weakening your financial position at a time in your life when you need the money the most,” he says.

Another risky option is borrowing against the equity in your home. “It may seem like a convenient pool of money, but there are serious consequences if you can’t pay as agreed — your home is on the line,” says McClary.

[Read: 0% Introductory APR Credit Cards]

Should You Get Cosmetic Surgery Financing?

The answer depends on how important the surgery is to you and how borrowing will impact you going forward. Most importantly, don’t feel pressured into making a financing decision while you’re in the doctor’s office. Just as you shopped around to find the best doctor for your procedure, take the time to figure out which financing option is best for your financial health.

More from U.S. News

How to Get Preapproved for a Credit Card

How Often Can You Open New Credit Card Accounts?

What to Look for In Your Credit Card’s Terms and Conditions

Plastic Surgery Financing Options: 6 Best Loans for 2026 originally appeared on usnews.com

Update 05/12/26: This story was previously published at an earlier date and has been updated with new information.

Trump secretly switched planes in Turkey amid security concerns, official says

By CNN
(CNN) — President Donald Trump secretly slipped out of Turkey last month on an alternate military plane, which he boarded while hidden inside a catering truck, as part of an elaborate ruse prompted by an Iranian threat, according to a US official.The clandestine security plan — first reported by the Washington Post and confirmed by CNN — underscored the lengths American officials went to in order to protect Trump from being assassinated by Iran.Trump had flown to Turkey on a new plane gifted by Qatar and meant to be used as Air Force One. But while he was on the trip, officials announced he would fly out on an older presidential plane, which CNN and others had previously reported was due to security concerns.That, though, was apparently part of the subterfuge. After boarding the older aircraft, a moment caught on camera, Trump secretly got off via the catering vehicle and moved to a smaller Air Force C-32A. The Qatari-gifted plane, the older aircraft used as Air Force One, and the C-32A then all departed separately for the UK. Once there, Trump got on board the Qatari-gifted plane and flew home.For the last month, much of the public discussion about the plane swap had been centered around the security capabilities of the Qatar-donated plane. Trump had boasted about the new aircraft — even though officials felt it was not as secure as other planes because it had to be retrofitted to serve as Air Force One — and the president seethed privately over coverage of its deficiencies, CNN previously reported.Now, attention is likely to shift to reporters and staffers unknowingly being aboard a decoy plane — and the nature of the threat that prompted such dramatic security measures.When asked about the reports of the secret plane switch, White House spokesperson Steven Cheung told CNN, “The new Air Force One is a state-of-the-art aircraft that has been fitted with high-level security protocols that ensure the safety of the President and his staff. As the President has said recently, there are many enemies of America who have their sights on him, and we use every tool at our disposal to address those threats.”Details from the presidential travel pool — a group of journalists who travel with the president and document his movements — provide a closer look at the unusual sequence of events surrounding Trump’s departure from Turkey following a consequential NATO Summit.Trump was aboard the old Air Force One in Ankara as of 8:26 p.m. local time, according to a pool report.Air Force One was wheels up at 8:43 p.m. local time, according to a subsequent pool report, 17 minutes later.The pool was also “advised to keep our window shades in the press cabin closed,” according to a print pool note from Politico’s Megan Messerly. This is extraordinarily unusual, and seemed indicative of a security situation; Trump would later say it was “because you’re probably on a dangerous flight because of the sleaze bags that we have to deal with.”A supplemental pool note from ABC’s Michelle Stoddart on Tuesday, sent in light of the secret plane revelation, noted that a Secret Secret agent came back to the press cabin to remind the media to keep the shades closed. When a photographer attempted to lift a shade, they were quickly told to lower it again. And when the press inquired with White House staff about why, they only said it was a request from Secret Service.Video shows what appeared to be a catering truck parked next to Air Force One at Ankara’s Esenboga Airport during that time, about seven minutes before the aircraft begins taxiing.The plane then was “wheels down” at RAF Mildenhall in England at 10:29 p.m. local time. But it wasn’t until roughly 20 minutes later that the pool notified news networks that an underwing shot — a camera angle from underneath the wing of the plane — was being set up to capture the president deplaning.That is an unusually long period of time — and it’s enough that Trump theoretically would be able to get off the smaller plane and back on Air Force One before cameras could capture it. For comparison, CNN was part of the pool on Sunday, when it took roughly eight minutes between wheels down and the underwing shot to be established.Trump was seen stepping off Air Force One about one minute after the pool alerted that the underwing shot was up.That timing was notably faster than what CNN crews typically experience. Usually, it takes several minutes for the president to deplane after the pool crew has assembled under the aircraft. The pool is generally in position before the first Air Force One door is opened and the stairs for the president are put into place.CNN reviewed pool video from Mildenhall that showed the stair car already in position and the aircraft door already open when the pool shot came up. There also appeared to be more security personnel on the tarmac than CNN crews are accustomed to seeing.Trump later boarded the new Qatari-gifted Air Force One at 11:01 p.m., according to pool notes. The pool captured video of the president walking from one aircraft to the other.CNN’s Kaitlan Collins and photojournalist Khalil Abdallah noted that when they traveled as part of the pool covering Davos and had to turn around and board a new aircraft due to what officials described as a minor electrical issue, the White House did not allow the CNN crew to film Trump transferring between planes. Instead, the crew was instructed to wait until he had boarded the new aircraft.During the flight on the Qatari gifted plane, Trump was asked what prompted the aircraft switch.Trump had said the change was to give US service members stationed at the base “a chance to tour the Aircraft.” Pressed on whether there were any other issues, Trump quickly responded, “no issues.”Trump was also asked why reporters had been instructed to lower the window shades on the aircraft.He said it was “because you’re probably on a dangerous flight.”“They didn’t ask me to close mine, but if they did, I would’ve done it,” Trump added.“But if I go, you go. Right?” Trump said. “Perhaps someday you want to change professions”Trump ultimately landed at Joint Base Andrews and deplaned Air Force One at 1:23 am ET.“He saluted and quickly loaded into the Beast,” a pool note said.This story was updated with additional reporting.The-CNN-Wire™ & © 2026 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.
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