How to finance breast augmentation in Canada?: our guide

Can you finance a boob job in Canada

If you care about your appearance and have aesthetic goals, you might be wondering how to finance breast augmentation in Canada. This might be the case, especially if you have poor or bad credit, or no credit history at all.

Thankfully, this is where Loan Boys comes in. We understand that cosmetic surgery can be a real confidence booster and that it shouldn’t only be accessible to those who have always had luck with money. We’re here to say that we don’t care about your credit history; rather, all we care about is your ability to pay your loans back today.

So, all you have to do is apply online in under a minute and we’ll make sure to connect you with the best loan providers out there, on top of getting you the very best repayment terms.

What is the cost a breast augmentation in Canada?

In Canada, a boob job generally costs anywhere from $7,500 to $15,000. Several factors influence the price, like the cost of a surgeon and the type of implant. For example, a clinic that has just opened might be less expensive than a surgeon who has been around for decades.

Silicone implants, for example, are also more expensive than saline, not only upfront but in the long term as well.

How to get a loan for a boob job?

If you have good credit, you might be able to ask for financing directly with the clinic. If you have bad credit, however, this might prove to be much more challenging.

Can you finance breast implants with bad credit?

If you are wondering how to finance breast augmentation in Canada with bad credit, you have come to the right place. In fact, with Loan Boys, a credit check is not required to access a loan.

We’ve all faced financial hardships, and we feel that your past can stay in the past. We only care about your ability to pay back your loan today.

What is breast augmentation?

Breast augmentation consists of inserting an implant under the skin and breast tissue to make your breasts appear bigger in a natural way. This is a procedure that helps many women regain self-confidence and feel good in their bodies.

It is a choice that can be made simply because you are unhappy with your natural breast size, or perhaps because breastfeeding has taken a toll on your breasts and you would like to recover the shape they had before.

What are the different types of breast implants?

The main differences between different types of implants are the following:

• The shell: can be either smooth or textured.
• The filling: can be silicone or saline. Silicone is generally more expensive and requires yearly check-ups.
• The shape: can either be round for a fuller appearance or tear dropped for a more natural look.
• The profile: refers to how much the implant extends from the chest wall, which can be more or less depending on what you are looking for.

What type of boob implant is right for you?

This is something you will need to discuss with your surgeon, given that it will depend greatly on your needs and what kind of upkeep you are willing to do. It will also depend on your body shape and size and your personal preferences.

Should I choose Saline or Silicone?

This is also a very personal choice. Whichever filling you choose, the outer shell is made from silicone.

Saline breast implants are usually placed first and then filled once they are in place, with sterile salt water. Should they happen to leak, the filling is not considered to be dangerous.

Silicone implants are more expensive. They generally feel more natural to the touch, but they pose a greater risk if they leak, which is why a yearly MRI is recommended.

Are there any risks involved with the breast augmentation procedure?

Like with any other surgical procedure, there are some risks associated with breast implants. However, the majority of people who get a boob job do not experience complications or adverse events related to getting the implants.

These complications or adverse events can include:

• Pain
• Swelling
• Bleeding
• Mild to moderate infection
• Changes in nipple and breast sensation
• Poor positioning of the implant
• Leakage
• Etc.

Do you have to go under anesthesia for a boob job?

Yes, for most procedures, general anesthesia is necessary. This comes with its own set of risks, though most people recover very quickly from the anesthesia itself.

How long is the surgery?

The actual surgery time is pretty short, and generally only lasts between one and two hours. Furthermore, a boob job is commonly an outpatient procedure, which means that you can normally go home after the surgery, on the same day you get the procedure done.

How long will it take to recover after the breast implant surgery?

After the surgery and for the first 24 hours, it is recommended to have a friend or family member with you. Full recovery can take anywhere from 4 to 8 weeks, during which time you should abstain from physical exercise, lifting heavy objects or overexerting yourself in any way, including overworking.

Understanding the Challenges of Financing a Breast Augmentation with Bad Credit

Given the costs of getting a boob job, you most likely will have to get some financing, either for the total amount or in part. If that is the case, you might be wondering: how to finance breast augmentation in Canada? This might be especially true if you have poor or bad credit or if you have no credit at all.

You might also be wondering how to finance liposuction with bad credit. The information below applies to both.

What is Considered Bad Credit?

A credit score typically ranges from 300 to 850. A score of 300 to 580, and even up to 600, is generally considered poor or bad credit. A score ranging from 600 to 679 would be considered fair. Good credit usually spans from 680 to 739 and very good credit from 740 to 799. Excellent credit is 800 and above.

How Plastic Surgery Clinics Evaluate Credit Scores

Aesthetic surgery clinics generally ask for a credit check and will base their approval on your credit score, which makes it very difficult for people with fair or bad credit to get approved.

Don’t forget that with Loan Boys, a credit check is not required, so you can access our loans with bad or fair credit, or no credit at all.

Common Obstacles for Patients with Bad Credit

It is very difficult for patients with bad credit to get approved through traditional loans. Even if your financial situation has changed and you are now able to pay your loans back, clinics will base their approval on your credit history, which can stay on your record for a period of 6 years.

Strategies to Improve Your Chances of Approval

To make sure you get approved, you can try and combine different approaches. You can start by trying to get a traditional loan, even if it is not for the full amount. You can then research alternative methods. There are other ways to gain access to the rest of the money you need.

Taking a Personal Loan

A personal loan is a form of instalment credit. You are given a one-time payment that you can use right away, with pre-established repayment terms, which are generally for monthly payments of a fixed amount plus interest.

Using your credit card

You can put part of the procedure on your credit card, knowing that you can only make the minimum monthly payment without any penalty. This can be used in combination with other loans, so that you can focus on repaying the other loans first and then begin repaying more than the minimal amount on your credit card to get it back down to zero over time.

Using Loan Boys for the remaining amount needed for your boob job

Whatever amount is left, you can apply for one of our loans online and be sure that you can get approved regardless of your credit history. And since we connect you with several top lenders at once, you will have the highest chance of getting approved.

Long-Term Solutions for Bad Credit

Loan Boys is an excellent solution if you have bad, fair or no credit at all. You can fill out the application form online in under a minute and then get approved within minutes after that.

You won’t have to jump through hoops! Our loans are hassle-free. We don’t care about your credit history; all we want to know is if you are able to pay back your loan today. So don’t hesitate to take out a cosmetic surgery loan with Loan Boys for your breast augmentation surgery. You’ll be able to rock that bikini by the summer!

FAQ

• What is the lowest credit score to get a breast augmentation loan?

  With loan boys, you can get a loan even with bad credit or no credit at all.

• Can you finance a boob job with a bad credit score?

  Yes. Our loans do not require a credit check.

• Do cosmetic surgery clinics always check credit scores?

  They do. Loan Boys doesn’t! Credit checks are not part of our approval process.

• What credit score do you need to get a personal loan in Canada?

  Generally, a good score and up, which means a minimum of 680.