Financing for aesthetic procedures
Your procedure.Your instalment.
No health insurer pays for cosmetic surgery. beauty.credit takes you to the right loan comparison in your country – free of charge, with no obligation and no impact on your credit rating.
No proof of purpose required from the clinic. Application and contract directly with the licensed partner.
How it works
Four steps to approval.
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Choose your country
Consumer credit law and lenders differ from country to country. That is why we work with a separate, locally licensed partner in each country.
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Enter amount and term
You enter what the procedure costs and how long you would like to take to repay. The comparison immediately shows you the resulting monthly instalment.
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Compare offers
The partner queries several banks at the same time – with no impact on your credit rating. You see the offers side by side with their APR and decide at your own pace.
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Sign digitally
Identification and signature are handled online. The funds are paid into your account; the clinic learns nothing about the loan unless you want it to.
Your country, your partner
We are here for you in these countries.
We put you in touch with a loan comparison service licensed in your country. Application, advice and contract are handled there – under the law of your country.
What sets beauty.credit apart
Finance fairly instead of putting it off.
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One comparison, many banks
Instead of asking your own bank, our partners obtain offers from several banks at once. You compare the APR – the only figure that counts.
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Free and credit-rating neutral
The comparison costs you nothing and leaves no trace in your credit file. Only a signed contract is reported – as with any loan.
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Discreet
A consumer loan for any purpose. Neither the bank nor the credit reference agency learns what you use the money for, and the clinic learns nothing about the loan.
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Licensed partners in each country
We do not broker loans and we do not give advice. We take you to a partner that is licensed for this in your country and bears full responsibility for the application and advice.
Doctor directory
Still unsure about the doctor or the procedure?
In the beautyprotect doctor directory you will find both: the right procedure and the right doctor for it – doctors and clinics in Germany, Austria, Switzerland, Italy, Spain, France and the Netherlands. Compare at your own pace, inform yourself and make the best decision for you.
Free, no registration. Opens beautyprotect.com.
Loan and cover
The loan pays for the procedure. Who pays for the complication?
A revision operation after capsular contracture or a wound-healing disorder can easily cost €4,000 to €10,000 – and health insurers generally do not pay for cosmetic surgery. Complication insurance closes exactly this gap, for a few euros a month.
- Covers treatment costs in the event of complications
- Taken out before the procedure, cover from the day of surgery
- Can be cancelled monthly after the first year
Guides
What you should know before you sign.
- Cover
Loan and complication insurance
What a complication costs, why the health insurer leaves you to pay and how to protect the loan against this risk.
Read more → - Application
Creditworthiness: what banks check
Quotation enquiry instead of loan application, credit reference agencies, household budget: how the assessment works and how to prepare.
Read more → - Basics
Term and instalment: the right balance
Why the lowest instalment is rarely the best choice and how to find a term that fits your budget.
Read more → - Basics
APR: the only figure that counts
Why the nominal rate in advertising tells you nothing and how to compare two loan offers in one minute.
Read more →
Frequently asked questions
Short answers.
The partner in your country will explain everything else before you apply.
Is the loan comparison really free?
Yes. The comparison is free of charge and without obligation for you. beauty.credit receives a fee from the partner when a contact is made – this does not change the terms the banks offer you.
Does the enquiry harm my credit rating?
No. The partners make quotation enquiries, not loan applications. A quotation enquiry is not visible to other banks and has no effect on your rating. Only a loan agreement that is actually signed is reported.
Do I have to tell the bank that it is for cosmetic surgery?
No. This is a consumer loan for any purpose. You do not have to submit a cost estimate from the clinic or provide proof of how the money is used.
What amounts and terms are possible?
That depends on the partner in your country. In Germany, amounts from €1,000 to €120,000 and terms from 12 to 120 months are possible. For aesthetic procedures, most loans are between €3,000 and €20,000 over 24 to 72 months.
How quickly will I receive the money?
With fully digital identification and signature, payment within a few working days is usual, and the credit decision is often available within 24 hours. Nevertheless, allow two weeks' lead time before your surgery date.
I live in a country that is not yet available. What now?
We are expanding the service country by country. The loan comparison page shows the current status. Feel free to send us a short message at {serviceEmail} – we will let you know as soon as your country goes live.
Does beauty.credit advise me?
No. beauty.credit is an information service and referrer (tip provider). We do not broker loans, do not recommend any specific offer and do not conclude any contracts. Advice, application and contract are the sole responsibility of the named partner licensed in your country.