How to Fund Your Cosmetic or Plastic Surgery

There are 5 Different Ways to Fund or Use a Payment Plan for Your Plastic Or Cosmetic Surgery.

1. Start a Special Purpose Savings Fund

A range of special-purpose savings accounts is available, including ING, Bankwest, ME Bank, St George, HSBC and Westpac Bank. 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 the Australian Tax Office (ATO) 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 ReductionBody Contouring or Skin Reduction after significant weight loss or Bariatric Surgery, and 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 or Medipay.

*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 and make a decision that is in your best interest.

Cosmetic Surgery Payment Plan - Interest Free Finance FREE Surgery

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 (below).  Quality Plastic Surgery can be costly. We 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 funds to pay for their surgery up-front. Google “Medical Finance Companies” or TLC Total Lifestyle Credit or Medipay.
medical finance lenders

Surgery Payment Solutions and Financing for Cosmetic Plastic Surgery

Medical Finance

TLC (Total Lifestyle Credit)

TLC provides payment plan solutions to suit your unique needs for Medical and Cosmetic Treatments. Funding from $2,001 – $50,000.

Total Lifestyle Credit (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
✓ Fast efficient approvals, simply apply online

Simply complete your info by visiting ‘Total Lifestyle Credit’ website


Easy Payment Plan for Medical and 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.
  • Fast efficient approvals, simply apply online.

Go to the MediPay website for an application

Dr Patrick Briggs Specialist Plastic Surgeon

Dr Patrick Briggs
FRCS (Plas)

Specialist Plastic and Cosmetic Surgery Clinic in Melbourne

Dr Patrick Briggs is a Specialist Plastic and Cosmetic Surgeon. Both he and his team are dedicated to excellence in patient care and are committed to treating each and every patient with respect and privacy.

Dr Patrick Briggs offers not only high quality but also natural-looking plastic and cosmetic surgery results. Furthermore, he is experienced in Breast, Body and Face Surgery having performed over 4500 Surgeries in private practice. 

Dr Patrick Briggs is an expert in breast, face and body surgery for men and women.

How can we help?

Dr Briggs’ Patient Coordinators take pleasure in assisting you with any questions when considering a plastic surgery procedure. Please call the Hawthorn East clinic in Melbourne between 8 am – 6 pm on Weekdays.

Phone 1300 264 811Email us or Book a free 15-minute Call with Dr Patrick Briggs’s team.

What Next?

Want more information about your Procedure?

  • For more information about pricing and payment methods, please visit our page on Surgery Payment options.
  • Talk to our Patient Care Team from 8am to 6pm Monday to Friday on 1300 264 811.
Dr Patrick Briggs consultation

What to Bring to Your Consultation

  • If you like, please bring a friend or relative to help discuss the information and your choices.
  • Take a lot of notes and thoroughly examine the documents your surgeon provides.
  • You may need to undress so it’s a good idea to wear simple clothes.

How to Book a Consultation

  • Dr Briggs Consultation fee is $300.
  • A referral from your GP or your specialist is helpful but not essential. However,
  • To claim any Medicare or Health Insurance you will need a referral.
  • Please contact the Patient Care Team at Coco Ruby Plastic Surgery today to book your consultation.