Using Prosper Healthcare Lending for Cosmetic Surgery

by Amber N. Yoo, M.B.A.


We offering financing options through Prosper Healthcare Lending, a nationwide patient financing company that specializes in cosmetic surgery. Prosper Healthcare Lending connects you with simple interest installment loans from multiple lenders. As of 2015, Prosper Healthcare Lending had helped more than 300,000 patients fund $5 billion-plus in cosmetic surgery.

Benefits of Financing

Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000

  • Terms up to 60 months (affordable monthly payments)

  • No collateral required

  • No prepayment penalties

  • No retroactive interest

  • Fast & easy loan inquiry process that does not affect your credit

  • 100% Confidential

What You Should Know

  • Interest rates typically range from 7% - 20% APR
  • Minimum loan amount is $2,000
  • Origination fee of 2% - 5% will be rolled into loan payments
  • Surgery must be completed within 30 days of funding
  • You will be required to verify your income

How It Works

  1. Submit an online inquiry.
  2. Receive an instant decision without affecting your credit.
  3. Review multiple loan offers - Review the terms and finalize the loan online. Keep in mind a 2-5% origination fee will be added to the loan you select.
  4. Receive funding directly to your bank account within 5 days.