Easy ways to pay for cosmetic surgery

One of the most common questions we’re asked, is “how can I pay for my cosmetic surgery?”

You’ll most likely already have lots on your mind about your chosen procedure; from how long your recovery will take, to the risks involved and what results you’re hoping to achieve. All this is why Pall Mall Cosmetics make it easy to finance your treatment using flexible payment options.

Pall Mall Cosmetics offer finance for patients through ‘AffordIt Now’, who are an independent funding provider (and of course regulated by the Financial Conduct Authority). This gives you the freedom to choose whether you want to pay over a short or longer period of time and opt for terms that suit you. There is flexibility over your deposit amount and how many months you wish to spread the repayments over.

Let me talk you through some of the key questions you may have – and explore payment options for cosmetic surgery or aesthetic treatments that may be better suited to your financial situation. 

1. Can I apply for finance?

Some patients can access finance from their own bank or lender. However, if you’re anything like me, when you want something doing, you want it doing now without any of the fuss! Affordit Now is perfect in such instances.

What makes this convenient is the ability to see how much you can borrow, without obligation, formal application – and most importantly – with no impact on your credit record. This is a free of charge service and can be done quickly and easily either over the phone, or in clinic with your Patient Co-ordinator.

After that, if you’re happy to proceed, there’s no tedious paperwork and you’ll get a quick decision to your formal online application (usually the same day). You can choose a deposit amount between 5% and 50% of the total – and select what timeframe to spread your repayments over (from 12-48 months). This means you can fit your monthly payment around your existing financial commitments. 

2. Can I part pay using finance?

Yes. Patients frequently opt to pay part of the cost of their cosmetic surgery themselves, paying a proportion directly to Pall Mall Cosmetics, and arranging a finance plan (such as through Affordit Now), to cover the remaining amount.

For example, if you’ve already been putting some money to one side but don’t quite have enough for the total cost of your surgery, then you can pay this amount to Pall Mall, and only need to arrange finance with Affordit Now to cover the difference. By choosing to contribute upfront to pay a part of your surgery, you can reduce the overall amount needing to be borrowed, and therefore lower how much interest you will pay.

3. Can you offer 0% interest finance?

Yes. If you only need a little bit of finance to complete your payment for cosmetic surgery or aesthetic treatment, then you could be eligible for 0% interest free credit.

This is ideal if you need to part pay, but only need up to £1000 in finance, and can repay this back over a shorter period of time (6 months). This means you will not pay any interest at all!  

When will I need to discuss finance?

Following your consultation with one of our highly experienced cosmetic surgeons, you will be provided with a tailored surgery/treatment price to fit your needs.  Pall Mall Cosmetics will ensure you have a simple and stress-free journey with a variety of flexible payment options.  The cosmetic team will discuss each of these options with you and answer any questions – as we know that paying for surgery or treatment can be a bit stressful at times.

Now we’ve covered how you could pay for your surgery, are you ready to take the first step? Book in for your free consultation today.

Here’s an example of a payment via a finance plan for Breast Augmentation Surgery with Pall Mall Cosmetics:

  • If the cost of the procedure were £3,595
  • You could pay an initial deposit of £500
  • The amount of credit would be £3,095
  • You would then pay 36 monthly instalments of £106.54
  • The total amount repayable would be £3,835
  • The rate of interest is 14.9% per annum fixed, representative 14.9% APR

Here’s an example of a payment via a finance plan for a Tummy Tuck with Pall Mall Cosmetics:

  • If the cost of the procedure were £4,995
  • You could pay an initial deposit of £500
  • The amount of credit would be £4,495
  • You would then pay 36 monthly instalments of £154.73
  • The total amount repayable would be £5,570 
  • The rate of interest is 14.9% per annum fixed, representative 14.9% APR

Here’s an example of a payment via a finance plan for Male Breast Reduction with Pall Mall Cosmetics:

  • If the cost of the procedure were £2,800
  • You could pay an initial deposit of £500
  • The amount of credit would be £2,300
  • You would then pay 36 monthly instalments of £79.17
  • The total amount repayable would be £2,850 
  • The rate of interest is 14.9% per annum fixed, representative 14.9% APR

*T&Cs apply. Finance options are subject to individual status and terms and conditions apply. Finance is provided by Affordit Now – a suite of products offered by PayBreak Limited. Pall Mall Cosmetics does not receive payment for introducing patients to lenders. Affordit Now and PayBreak Limited are authorised and regulated by the Financial Conduct Authority.

Mr Vummiti Krishnan at Pall Mall Cosmetics in Manchester, Liverpool and Newton-le-Willows

What can I do next?

Get in contact with our cosmetic team to book your FREE consultation. There are no waiting lists and you can get the advice you need about all the different finance options. 

We have convenient clinic locations in Liverpool City Centre and Manchester City Centre in addition to a purpose built hospital in Newton-le-Willows. Appointments do NOT require any NHS referrals and are fully private and confidential.

Complete peace of mind. 

Pall Mall Cosmetics have care advisors who are happy to help with any questions and queries. You can call them on 03300 58 44 55 or email team@pallmallcosmetics.co.uk for more information.

* You can read more about us by clicking here.
* See our Cosmetic procedures on our website by clicking here.