Payment Plans, Finance and Payment Options for Surgery

Payment Options and Payment Plans for Cosmetic & Plastic Surgery

Find out about payment plans, medical finance and other options for funding your surgery.

Download our Guide to the Cost of Plastic Surgery in Victoria

Cost Guide Download

Funding your Surgery – 5 Ways to Fund Your Surgery including Surgery Payment Plans

  1. Start a Special Purpose Savings Fund.
    A range of special-purpose savings accounts from banks are available. Visit comparison websites (for example Finder) to compare interest rates. Another great feature of these websites is the savings calculator, which can assist you in finding the best savings accounts.
  2. Another way to fund your surgery is to 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 a website like Credit Card Finder to review credit card rates and conditions.
  3. Reducing your Home Loan Interest by using your Mortgage to Save Up is another option. 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. You can also Withdraw from your Super Fund to pay for Surgery.
    By applying through a special government ATO process, Superannuation Funds can sometimes be accessed early to pay for life-changing surgery. This is likely to apply to Abdominoplasty (Tummy Tuck), Breast ReductionBody Contouring or Skin Reduction after significant weight loss or Bariatric Surgery, Rhinoplasty (Nose Surgery) & Eyelid Surgery. The Australian Tax Office (ATO) will assess your Early Super Fund Access application for medical procedures that treat life-threatening illnesses or chronic pain. The final decision to release, however, will be made by your Super Fund. Find out more by visiting the Super for Surgery page or ATO
  5. Medical Payment Plans are another option – Medical Finance Companies like TLC – Total Lifestyle Credit, MacCredit and Medipay are used by some patients to provide funding for their cosmetic surgery. Google them.

Do you offer Payment Plans? – YES!

Payment Plans 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.
  • Likewise, you can also pre-pay for your surgery with Dr Rubinstein & Coco Ruby Plastic Surgery in advance in instalments.

Payment Plans AFTER Your Surgery

Payment Plans, Medical Credit and Finance Options

  • 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.


Total Lifestyle Credit – TLC

TLC Medical Credit logo

TLC provides payment plan solutions to suit your unique needs for Medical & Cosmetic Treatments. They provide you with personalised, stress-free service. TLC can provide 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 visit the TLC website – Total Lifestyle Credit


MediPay - Easy Payment Plans

Easy Payment Plans for Medical & Dental Procedures

  • A range of Payment plans is 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 directly to the Medipay application and apply.


DISCLAIMER – Our Practice is NOT a credit provider. We do NOT receive any rebates or commissions from ANY banks or credit suppliers. Furthermore, 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.