Payment Plan and Medical Finance for Surgery

Payment Plan and Medical Finance to Fund either your Cosmetic Surgery or Plastic Surgery

Download the Finance Guide to find out how to fund your surgery

Funding Your Surgery Download

How to Fund Your Cosmetic or Plastic Surgery

Five different ways to fund either your plastic or cosmetic surgery

Start a Special Purpose Savings Fund

A range of special-purpose savings accounts is available, including ING, Bankwest, ME Bank, St George, HSBC, Bank of Melbourne and also Rabobank. Visit Finder to not only compare interest rates but use the savings calculator to find the best savings accounts.

Use either an Interest-Free or Low-Interest Credit Card

Some banks offer either ‘Interest-Free’ periods or ‘Low-Interest rate’ credit cards as an alternative to medical finance firms. Visit the Credit Card Finder to review credit card rates and conditions.

Reduce your Home Loan Interest by using your mortgage to Save Up

Save on home loan interest by paying down your home mortgage and then redrawing funds from your early payments when you’re ready to have your surgery.

Withdrawing from your Super Fund to pay for surgery

By applying through a special government process, Superannuation Funds can sometimes be accessed early to pay for life-changing surgery. This is likely to apply to either Abdominoplasty (Tummy Tuck), Breast Reduction, Body Contouring or Skin Reduction after significant weight loss or Bariatric Surgery, Rhinoplasty (Nose Surgery) & Eyelid Surgery. Furthermore, the Australian Tax Office (ATO) will assess Early Super Fund Access applications for medical procedures that treat life-threatening illnesses or chronic pain. The final decision, however, will be made by your Super Fund. Find out more by visiting the Super for Surgery page.

Medical Payment Plans and Finance

You can google “medical finance companies” and get payment plans from companies like TLC (Total Lifestyle Credit), Mac Credit or Medipay. (see below)

FINANCIAL DISCLAIMER – Our Practice is NOT a credit provider. Furthermore, we do NOT receive any rebates or commissions from ANY credit suppliers. All finance and credit providers are independent, external companies. We provide NO financial advice. You will need to consider your own financial circumstances when deciding if finance is suitable for you.

Can I have a Payment Plan for Surgery?

Pre-Payment before your Surgery

  • Surgery Savings Plans. A special-purpose savings fund may be a good option for patients who want to save up the funds to pay for their surgery before having their operation. To save on mortgage interest, you can also choose to pay your mortgage ‘down’ in advance; then redraw funds from your early payments when you’re ready to have your surgery.
  • Make Pre-payments with the practice. You are welcome to pre-pay your account at the practice by making a series of smaller payments as a payment plan before your surgery.

Payment Plan after your Surgery

  • Payment Plans are available from Medical Credit and Finance Providers. Quality Plastic Surgery can be costly. Our Plastic Surgeons don’t cut corners when it comes to patient safety and we strive to provide optimal results. There are a number of reputable external independent finance companies that may be able to help some surgery patients who do NOT have the money to pay for their surgery up-front. Google “Medical finance Companies” or TLC Total lifestyle Credit or Medipay

Surgery Payment Solutions and Financing for Cosmetic Plastic Surgery

Medical Finance TLC – Total Lifestyle Credit

TLC Medical Credit logo

TLC provides payment plan solutions to suit your unique needs for Medical & Cosmetic Treatments. Whether it’s medical or dental TLC provides you with personalised and stress-free service. TLC provides funding from $2,001 – $50,000. A large range of lending providers is available to suit different types of borrowers.

  • TLC – fund all Medical/Cosmetic treatments and out of pocket costs ✓
  • Payment plans from $2,000 to $50,000 – covering all dental fees ✓
  • No stress – the whole process is managed privately by TLC Consultants ✓
  • Flexible options – any additional repayments can be added back on to the payment plan at no extra charge ✓
  • Fast efficient approvals, simply apply online ✓

The repayment for the  lower price points :

  • $2000 (36 months) = $20 per week
  • $2500 (36 months) = $25 per week
  • $3500 (36 months) = $35 per week

Simply complete your info by visiting TLC – Total Lifestyle Credit


MediPay - Easy Payment Plans

Easy Payment Plan for Medical & Dental Procedures

  • A range of payment plans are available
  • No stress – the whole application process is completed with an easy online application form with a decision within 60 minutes
  • Also there are no hidden fees or charges
  • Flexible options – any additional repayments or rebates from Medicare/Private Health can be added back to the payment plan at no extra charge
  • Fast efficient approvals, simply apply online
  • Go to the Medipay Website for the application

Download the Finance Guide to find out how to fund your surgery

Funding Your Surgery Download

Please contact us using the form below to arrange a consultation with one of our Specialist Plastic Surgeons or to speak with our Patient Care Team on  1300 264 811

Coco Ruby’s Specialist Plastic and ENT Surgeons

With a wealth of experience and training, our Specialist Plastic Surgeons are dedicated to best practice patient care and education, customising Breast Enlargement Surgery for each and every patient to best meet their needs and desired surgical outcomes.

coco ruby specialist plastic surgeons 

What to do next?

Our Patient Liaison Team can assist with any questions you may have when considering a procedure. You can send in an enquiry form below or call our Melbourne Clinic between 9 am – 5 pm Monday to Friday.

Phone 1300 264 811, Email us: or Book a FREE 15-minute Phone Chat with our Patient Liaison Manager or a Virtual Consultation with a Surgeon.

Disclaimer: Results depend on individual patient circumstances and can vary significantly. Results may also be impacted by a variety of factors including your lifestyle, weight, nutritional intake and overall health. Consult your Specialist Plastic Surgeon for details. This information is general in nature and is not intended to be medical advice nor does it constitute a doctor-patient relationship. Surgery risks and complications will be covered in detail during a consultation with your Surgeon.