People borrow money for plastic surgery and cosmetic dentistry because cosmetic procedures are not covered by health insurance, can be expensive, and they prefer to improve their appearance now through financing rather than spending years saving for the treatment. Sometimes the cost is simply too high to pay all at once. In that case, it is often possible to apply for a personal loan from a bank, use a financing provider (such as Cosmetic Finance), or save up through a dedicated savings plan. You can then repay the treatment in monthly instalments to the lender. Whether this is a sensible choice naturally depends on your personal financial situation.
Borrowing money costs money warning!
Beware! We are not a credit organisation.
Applying for a loan or credit: You can apply for a loan or credit through a bank or another credit provider. We do not provide loans or credit and do not work with lenders. The sole purpose of this page is to inform you about possible financing options, not to recommend any form of financing. The choice of a loan or credit provider is entirely yours. Always make sure you are fully informed by the lender about the interest rates and costs involved, as borrowing money involves costs.
Borrowing money for plastic surgery
Borrowing money for plastic surgery is becoming increasingly common because cosmetic procedures such as breast augmentation, rhinoplasty, liposuction or dental treatments are generally not covered by health insurance and can quickly cost several thousand euros. Many people do not have this amount readily available and therefore choose a personal loan from a bank or a payment arrangement through a cosmetic procedure financing provider, allowing them to pay for the treatment in instalments and achieve their desired results sooner without having to save for years first.
Sometimes it is possible to apply for a loan or credit through your own bank. Whether financing is approved depends on the conditions and assessment of the lender. The same warning applies here: borrowing money involves costs. Always read the terms and conditions carefully and consider seeking financial advice if you are unsure whether a loan suits your personal situation. Most banks follow the following process:
- Determine how much you need and whether you can afford the monthly payments.
- Compare interest rates and conditions from multiple banks.
- Request a no-obligation quote online.
- Provide documents (identity, income) and complete the credit check.
- Review the offer, sign digitally and receive the money in your account.
There are credit providers that specifically focus on cosmetic and medical financing. Cosmetic Finance is an example of this. Here, you can pay for your treatment in instalments and repay the treatment costs in smaller amounts. You can indicate your preferred repayment period during your personal and non-binding application. Cosmetic Finance has indicated that it follows the following process:
- Complete the form on the Cosmetic Finance website.
- You will receive an answer within a maximum of 48 hours (approval or advice).
- If you receive approval and agree with the terms and conditions, only then sign the agreement.
- The money will be transferred to your personal bank account.
- You can use this money to pay for your surgery or treatment.
- You repay the agreed amount to Cosmetic Finance each month.
- If desired, you can make additional repayments without penalty in the meantime.
Cosmetic Finance is available to residents of Belgium and the Netherlands. The conditions and procedure may be subject to change. Therefore, always check the current terms and conditions during your application. Similar cosmetic financing options may be available in other countries, such as France, the United Kingdom and Germany.
Setting up a savings plan for plastic surgery means that you save in advance for a cosmetic procedure instead of taking out a loan. By setting aside money each month in a savings account, you avoid interest and debt.
At Wellness Kliniek, we offer the possibility to set up a savings plan. You deposit a certain amount each month. Once you have saved the total cost of the procedure, we will contact you to schedule the treatment. Please note that this is not an official financial product and no interest applies. This treatment savings plan is suitable for people who prefer to pay for their procedure in instalments. Contact us or discuss this option after your consultation if you are interested in setting up a savings plan.
The quotation and validity period of the price
A quotation provides transparency, certainty and protection for you as a patient. A quotation fixes the price for a certain period, so you are not faced with unexpected costs. It also allows you to compare different clinics or plastic surgeons fairly and provides the necessary information when applying for a loan or financing.
The transparent and up-to-date treatment prices at Wellness Kliniek can be found in our overview of plastic surgery prices. The validity period of the prices is always clearly indicated.
During your initial consultation, you will receive a personalised cost overview (quotation) for your treatment. This quotation remains valid for 2 months. This gives you time to plan your treatment, save money or, if desired, arrange external financing.
Book a consultation without obligation
At Wellness Kliniek, you decide how you want to prepare financially for your treatment. We do not provide loans or credit ourselves, but we are happy to provide you with information. We create a detailed quotation that you can use when applying for a loan through your bank or financing provider. Book a consultation without obligation. After the consultation, you will receive a personalised quotation (price estimate) and know exactly what the treatment will cost and what you can expect from the procedure.
Frequently asked questions about payment and financing for cosmetic surgery
Questions about payment and financing for cosmetic plastic surgery and dentistry are frequently asked by our patients because treatments are often expensive and not covered by health insurance. Patients therefore want clarity about payment methods, deposits, loans and legal limits. Transparent information is essential because it allows you to make well-informed choices, prevents misunderstandings and unpleasant surprises, and helps you approach your treatment at Wellness Kliniek with confidence.
No. Financing providers such as banks and Cosmetic Finance work discreetly. The clinic or surgeon is not informed about your loan application or financial situation.
Yes, in most cases you need a quotation or treatment plan from the clinic or dentist to apply for financing. This provides clarity about the exact amount. Ultimately, it depends on the lender whether this is required or not.
Credit organisations such as banks or financing providers such as Cosmetic Finance offer credit specifically for cosmetic procedures. This allows you to repay the costs of plastic surgery or dentistry (such as implants) in fixed monthly instalments.
You apply online for a loan through Cosmetic Finance. After approval, the amount is transferred to your account, allowing you to pay the clinic in full. You then repay the lender monthly. At Wellness Kliniek, we do not have access to your financial information and we are not involved in the credit provision or assessment process. We have no commercial interest.
Yes, at Wellness Kliniek you need to make a deposit to book a surgery. You pay part of the cost of your procedure and we will then schedule the treatment. This deposit is, of course, deducted from the total cost of the procedure. At Wellness Kliniek, we only schedule the surgery once we have received the deposit. You can make the deposit:
- Directly at the clinic (after your consultation)
- Online via the payment system
Because our surgery schedules fill up quickly, we cannot reserve a surgery date without a deposit.
Yes. You can pay for your treatment or surgery in cash, but please note! In Belgium, you may not pay more than 2,999 euros in cash when purchasing services from a company (such as a clinic, plastic surgeon or dentist).
Belgian legislation states that for a procedure costing more than €2,999 (including VAT), we may only accept 10% of the total amount in cash. In that case, partial payment in cash is possible.
The limit applies to payments between individuals and businesses. If you pay more than 3,000 euros, this must be done by bank transfer, Bancontact, credit card or another electronic payment method.
Yes, at Wellness Kliniek you can pay by bank transfer.
This applies both to the deposit to reserve your surgery and to the remaining balance. Please note:
- It may take several days for the payment to be processed.
- The surgery date will only be confirmed once the payment has been received.
- If we receive the payment later, the time slot may already have been booked.
- We will then suggest alternative dates for your surgery.
- Bring proof of the bank transfer to the clinic on the day of your surgery.
The IBAN account number of Wellness Kliniek Belgium is: BE03 4530 2988 5184.
