Payment Plan and Medical Finance for Surgery

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

Find out about a Payment plan or Medical Finance

How to Fund Your Cosmetic or Plastic Surgery

Five different ways to fund your plastic or cosmetic surgery

  1. Start a Special Purpose Savings Fund
    A range of special-purpose savings accounts are available, including ING, Bankwest, ME Bank, St George, HSBC, Bank of Melbourne & Rabobank. Visit Finder to compare interest rates and use a savings calculator to find the best savings accounts.
  2. Use an Interest-Free or Low-Interest Credit Card
    Some banks offer ‘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.
  3. 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.
  4. 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 Abdominoplasty (Tummy Tuck), Breast Reduction, Body Contouring or Skin Reduction after significant weight loss or Bariatric Surgery, Rhinoplasty (Nose Surgery) & Eyelid Surgery. 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
  5. 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. 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.

Download Our 7 Steps to  Cosmetic Surgery Guide

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

Go to the Mac Credit website for an application


MacCredit - Medical Finance Solution

Payment plan specifically designed for clients having Medical & Cosmetic treatments

  • A range of Payment plans available
  • No stress – the whole application process managed privately by MacCredit expert Consultants
  • Up to 7-year terms
  • Flexible options – any additional repayments or rebates from Medicare/Private Health can be added back on to the payment plan at no extra charge
  • Fast efficient approvals, simply apply online

Go directly to the Mac Credit application and apply

Finance Terms and Conditions with Mac Credit (updated 02/2016)

  • Finance provided by Mac Credit – Credit Representative 484002 is authorised under Australian Credit Licence 389087
  • Speak to MAC CREDIT for a formal quote based on your circumstances and for the full terms and conditions.
  • Full credit and financial assessment would need to be completed prior to acceptance of any offer or product.


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

Our Specialist Plastic 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 Specilaist Plastic Surgeons

Our Specialist Plastic Surgeons, Dr Craig RubinsteinDr Geoff Barnett, Dr Rebecca Wyten and Dr Richard Sackelariou, and Dr Stephen Kleid, and Dr Rohit Kumar offer high quality, natural-looking cosmetic surgery results.

Each Surgeon is fully qualified with current FRACS memberships and you should also consider these factors when searching for the best Plastic Surgeons in Melbourne. Also, when choosing a Plastic Surgeon word of mouth is always a great way to gain further knowledge.

Visit our FAQs page, learn more about your procedure or have a look at our Before and After Photos.

What to do next?

Virtual-Consult plastic surgery

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.