How it works
beauty.credit is neither a lender nor a broker. We show you where you can compare loans reputably in your country – and what happens afterwards.
The path to financing
An aesthetic procedure is a private decision, and the financing should remain private too. Your health insurer does not contribute, the clinic usually wants the amount before the appointment – and your own bank is rarely the cheapest option. A comparison across several banks is therefore the simplest way to pay for the procedure without paying more interest than necessary.
Choose your country
Consumer credit law, credit assessment and lenders differ from country to country. A comparison that works in Germany may not be used in Italy. That is why we work with a separate, locally licensed partner in each country. On the loan comparison page, you select your country of residence – the language of the website is irrelevant here.
Start the comparison
As soon as you have chosen your country, the partner's comparison calculator appears right on the page – no detour, no registration with us. The partner's privacy notice applies to the calculator; from this point on you are their customer, not ours.
Enter amount and term
Enter what the procedure costs and choose a term. The calculator immediately shows the resulting monthly instalment. As the purpose of the loan, "any purpose" is sufficient – nobody asks for a cost estimate from the clinic.
Personal details
The partner asks about income, employment, housing situation and ongoing commitments. This takes about ten minutes. With this information, they obtain terms from several banks at the same time – as a quotation enquiry that does not affect your credit rating.
Compare offers
You see the offers side by side, each with its APR, instalment and total cost. The decisive figure is the APR; it includes all costs. Take your time – the offers are usually valid for a few days.
Sign digitally
Identification via video or ID app, signature on screen, done. With most banks, the decision is available within one working day, and the funds are paid into your account a few days later. Nevertheless, allow two weeks' lead time before your surgery date.
What beauty.credit does – and what it does not
We inform and make the introduction. For the introduction, we receive a fee from the partner; that is our business model and we label it as advertising wherever it appears. We do not broker loans, do not recommend any specific offer, do not carry out credit assessments and do not conclude any contracts. All of that is the responsibility of the named partner, which is licensed and supervised for this in your country.
For you, this means: questions about a specific offer, your application or the contract are answered by the partner. Questions about the website, the countries or how we work are happily answered via our contact page.
And what about cover?
A loan pays for the procedure, not for its consequences. Anyone considering financing should answer the question of complication insurance at the same time – otherwise, if a complication occurs, the bill for follow-up treatment lands on top of the ongoing instalment. Read more in the guide Loan and complication insurance.