Cosmetic Surgery Financing: Your Questions Answered with Rochelle Hall

Understanding your options around cosmetic surgery financing can feel overwhelming — especially when you’re already navigating medical decisions, travel, and recovery planning.

To help answer some of the most common questions we hear, we spoke with Rochelle Hall, an independent Australian finance specialist who supports patients exploring funding options for cosmetic and plastic surgery.

Rochelle, can you tell us a little about your background?

Rochelle:I have over 20 years of experience across residential, commercial, and asset lending, and I now specialise in personal lending for cosmetic and plastic surgery. I’m self-employed but supported by large lending teams, with access to more than 40 Australian funders. That means I can explore a wide range of options and tailor solutions based on each client’s individual situation.

What really drives my work in this space is personal experience. I had my first plastic surgery procedure at 26, and over the years I’ve continued my own surgical journey. I understand the emotions, privacy concerns, and vulnerability that can come with these decisions, which allows me to support clients with empathy and zero judgement.

Can you actually get a loan for cosmetic or plastic surgery?

Rochelle:Yes. There are specialist lenders that offer personal loans specifically designed for medical, cosmetic, and elective procedures. These loans can be used for surgery in Australia or overseas, provided they’re structured correctly.

Do clients need perfect credit to be approved?

Rochelle:Not necessarily. While a good credit history can help, many lenders look at the bigger picture — including income stability, existing commitments, and overall affordability. Every application is assessed on its own merits.

What types of costs can be included in cosmetic surgery finance?

Rochelle:Depending on how the loan is structured, funding may be able to cover a range of related expenses. This can include the surgery itself, flights and travel, luxury accommodation or recovery villas, aftercare programs, garments, and other associated medical costs.

How much can someone typically borrow?

Rochelle: Loan amounts generally start around $10,000 and can extend to $80,000 or more, depending on the lender, income, and overall financial position. My role is to compare suitable lenders and explain options clearly, so clients can make informed decisions.

What about interest rates and repayment terms?

Rochelle:Interest rates vary depending on the lender, loan amount, and individual credit profile. Most cosmetic surgery loans can be structured over 1 to 7 years. Longer terms can reduce monthly repayments, while shorter terms reduce interest paid overall. Many loans can also be set up without early exit fees, which gives clients flexibility if their circumstances change.

How quickly can approvals happen?

Rochelle:In many cases, applications are assessed within 24 hours, with approvals shortly after and funds released within 48 hours once documentation is complete. This can help clients secure surgery dates, book travel, or take advantage of short-notice availability.

Do clients need to choose their surgeon before applying?

Rochelle:No, not at all. Many clients explore finance before booking their procedure. Some even begin repayments prior to surgery, which allows them to plan with certainty and reduce financial pressure later on.

Is there any obligation to speak with you?

Rochelle: No. The initial conversation is completely obligation-free and confidential. It’s simply an opportunity to understand how the process works and whether it may suit your situation.

Is financing cosmetic surgery a bad financial decision?

Rochelle:That’s a very personal decision and should always be yours. My role isn’t to persuade anyone — it’s to provide clear, transparent information so clients can make informed choices that align with their life and finances.

A Note from Bali Luxe Medical

Bali Luxe Medical does not provide financial advice or lending services. Our role is to offer recovery care and accommodation, while introducing patients to independent, licensed professionals if they wish to explore optional financing.

All financial discussions, applications, and data handling take place directly with the finance provider, in line with Australian privacy and regulatory requirements.

Interested in learning more?

Guests can indicate interest in financing options when submitting an enquiry, and further information will be shared directly by our referral partner.