Cosmetic Surgery Payment Options

Full Payment for Cosmetic Surgery

If you choose to pay for your cosmetic surgery in full, the following explains how the process works.

Deposit

To secure your procedure date, a deposit of £750 is required. This applies whether you book at the beginning of your MYA journey or after your surgeon consultation.

Payment Terms

Full payment is required no later than 5 days after your surgeon consultation. If your procedure is scheduled within 3 weeks, full payment will be due on the day of your consultation.

If payment is not received within the specified timeframe, your procedure date may need to be rescheduled or cancelled.

Cosmetic Surgery Payment Plans Through Finance

At MYA, our in-house Financial Solutions Team is here to support patients exploring finance options. They’ll help you find the most suitable way to fund your procedure.

We know that once you’ve made the decision to have cosmetic surgery, concerns about finance approval can feel overwhelming—especially when you know you can afford the monthly repayments.

It’s not uncommon for applicants with a low credit score or limited credit history to be declined by traditional lenders, even if they are financially able to make the payments. That’s why we’ve created a dedicated Finance department to explore alternative solutions for patients in this situation.

Our team assesses each applicant individually, considering their personal circumstances to see how we can help. While we do carry out affordability checks, we remain flexible and will do our best to tailor a finance plan to suit your needs.

Finance Example

For a representative example, a £5800 procedure price could be financed with a 65% deposit 2-year loan (Interest of £394 with a 15.9% APR)

How do I apply for finance?  

You can apply for finance at any stage of your MYA journey. Simply speak with our Funding Solutions Team to discuss the best option for you. Call 0333 014 1014 and follow the instructions, or email fundingsolutionsteam@mya.co.uk with your full name, contact details, and a photo ID.

Will I get accepted for finance?  

Only our Funding Solutions Team can advise you on your eligibility. The best way to find out is to apply for finance, and they’ll guide you through the process.

Other Cosmetic Surgery Payment Options

If paying in full or using traditional finance isn’t right for you, there are still alternative payment methods to consider. Based on our experience supporting thousands of patients, we’ve outlined some of the most common options that may also work for you.

Credit Card

You can pay your initial £750 deposit using a credit card. Please note, the remaining balance must be paid by bank transfer, as we do not accept credit cards for final payments.

Finance in Someone Else’s Name

If your credit score prevents you from securing finance, a trusted family member or friend—such as a partner or parent—may be able to take out finance on your behalf. You would then make the monthly repayments directly to them.

Bank Loan

Depending on your financial circumstances, you may be eligible for a personal loan through your bank. Book an appointment with your bank to discuss your borrowing options and determine what’s available to you.

Combined Payment Methods

Some patients choose to use a mix of payment methods—for example, part finance, part savings. You’re welcome to explore a combination that fits your budget and comfort level.

Support from Family

In some cases, patients receive financial support from parents or partners, particularly for special occasions like milestone birthdays. If this could be an option for you, it may be worth having an open conversation with them.

Our Funding Solutions Team is here to help talk through all of your options and guide you towards a payment method that feels right for you.