Loans for plastic surgery with no credit checks in South Africa – Lamna

Plastic surgery is expensive, often creating a need for access to finance.

At Lamna, we offer loans against high-value assets. The funding we offer can be used for any purpose, including as loans for plastic surgery or other medical procedures.

Costs of plastic surgery in South Africa

Plastic surgery costs in South Africa are reasonable compared to prices in North America and Europe. However, procedures in this country can still be very expensive.

A common plastic surgery procedure like a facelift can cost over R80,000.

Reconstructive plastic surgery required after physical trauma can be even more expensive.

Some other examples of plastic surgery prices in South Africa:

  • bilateral breast augmentation: over R60,000
  • bilateral breast reduction: R50,000 to R75,000
  • breast reconstruction for cancer survivors: from R48,000 to R65,000
  • liposuction: from R55,000 to R72 360
  • rhinoplasty (nose job): R66 300

The example prices include anaesthetist, surgeon and theatre fees.

Financing for plastic surgery

Because costs are so high, financing for plastic surgery is developing into a major industry. You’ll even find lenders advertising directly from the websites of plastic surgeons.

Financial providers tend have strict requirements for plastic surgery loans. You can expect a significant amount of paperwork and delay when applying for one of these loans.

If your credit score is poor or you don’t have a score, you’re likely to have your loan application declined.

Here are some of your options if you’re looking for a loan for plastic surgery with minimal paperwork and delays.

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Access bond withdrawals

If you have an access bond on your home, withdrawing funds you’ve paid into your home loan may be the best way to fund your plastic surgery.

The key benefit of using your bond to finance plastic surgery is that you’ll pay a very low interest rate. Home loan interest rates are among the lowest in the credit market.

You also won’t be required to complete any paperwork, prove your income or go through credit checks. You can simply withdraw from your bond and fund your procedure.

Payday lenders

Payday lenders will provide loans to individuals who may not qualify for traditional bank loans. Typically, proof of employment and identification can be enough to qualify.

However, the sums paid out as payday loans are typically too small to fund a plastic surgery procedure.

Some of these lenders also offer longer-term loans.

To secure one of these loans, you’d need to provide proof of sufficient income to cover the loan. You might also be required to prove that you own assets that can serve as security against the loan.

Payday lenders are infamous for charging high interest rates. So if you want to take this option, ensure you shop around for the best rate.

Using assets as loan collateral

If you own an asset of value, you can use it to secure a loan quickly and easily.

For example, Lamna accepts a wide variety of assets as loan collateral. Examples are vehicles, high-value jewellery, luxury watches, and artwork or antiques.

Once your asset has been evaluated and approved, you’ll be offered a cash loan against its value. If you choose to proceed, you’ll receive the funds promptly.

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This option is particularly suitable if you’re experiencing a short-term cash flow problem, and are expecting to receive funds that will allow you to repay the loan.

A word of warning

Take precautions to avoid unscrupulous lenders. For example, check reviews, follow your instincts and ensure the lender you choose is accredited by the National Credit Regulator.

An accredited financial services provider, like Lamna, is obligated to adhere to the regulator’s guidelines when extending credit to consumers.

At Lamna, we offer fast, discreet loans against the value of a wide range of assets. For more information about using an asset to secure a loan for plastic surgery (or for any other purpose), contact us on 086 111 2866 or simply complete and submit our online application form.