Payment & Finance for Plastic Surgery & Cosmetic Surgery Procedures

There are various options when it comes to payment for Plastic Surgery. These include:

  • Using Your Savings
  • Getting a Loan
  • Withdrawal from your Super Fund
  • Finance and Payment Plans

We are not a finance company and offer no payment plans or financial advice.

Payment Options for Cosmetic or Plastic Surgery Procedures

Paying for Plastic Surgery | Dr Richard Maxwell

PLEASE NOTE: Our practice is NOT a credit provider.

You must consider your own financial circumstances when considering what payment is suitable for you and make a determination based on full information and professional advice. We provide NO financial advice.

Payment Methods

  • Our practice accepts Direct Deposits, Credit Card, Bank cheques & Cash
  • A deposit of $1000 is required to secure your Surgery Date
  • Full payment for your surgery must be received at least two weeks prior to your scheduled surgery

Payment Options for Plastic & Cosmetic Surgery

(Overview of options relating to Plastic or Cosmetic Surgery or Body Contouring after massive weight loss surgery)

payment for cosmetic surgery body contouring

With some payment plan options, you can pay off your surgery either BEFORE or AFTER your operation.

Payment BEFORE Surgery

Surgery Savings Plans

  • Special Purpose SAVINGS Funds may be an option for some patients who want to plan and save up for their surgery so they can pay it off BEFORE the operation.


  • Some patients may choose to pay more on their home Mortgage (paying it ‘down’ in advance as a form of saving); then redraw the extra money when they are ready for their surgery – in the interim they save on their home loan interest.

More Information at Plastic Surgery Hub.

Payment AFTER Your Plastic, Cosmetic or Reconstructive Surgery

Quality plastic surgery done by experienced Plastic Surgeons can be costly.  Our Specialists pursue excellence and they don’t cut any corners when it comes to patient safety and getting a quality surgical result. Perhaps financing can help you with your surgery. Not every patient has the available funds to pay ‘up front’ for surgery.

Four Ways To Fund Your Cosmetic Plastic Surgery


Special Purpose SAVINGS FUNDS may be an option


Your choice special purpose savings accounts including with ANZ, Westpac, ING, Bankwest, ME Bank, St George, HSBC, Bank of Melbourne, Rabobank or BankSA.


Save up and save interest on your home loan:

Just pay your home mortgage down and redraw when ready to have surgery


Are you SAVING UP for your life-changing surgery? Maybe Your Super Fund can Help!

Several recent plastic surgery patients have been able to access their Superannuation Funds to pay for their own life-changing surgery. There is a special government process to follow and many forms to fill out, but it could be a possibility.

This may be most likely to apply to:

Under exceptional circumstances, the Department of Human Services (DHS) will assess early super fund access on ”compassionate grounds”, which include medical procedures to treat life-threatening illnesses and chronic pain. Your Super fund will make the final decision to release the money. Note that not all super funds permit early access of super benefits on these grounds, so you should check with your super fund before applying.

You can find further information on the requirements, including documentation, by visiting the DHS website:

Please follow this link for more information.


4. MEDICAL FINANCE COMPANIES – offering payment plans

You can use Google to find companies that specialise in loans for cosmetic plastic surgery like

  • TLC
  • Medipay

Next steps on your Surgical Journey

Visit our FAQ pages, learn more about your procedure.

How to Book your Initial Consultation

  • Email us or Call on (03) 8849 1444 to arrange your surgeon consultation appointment
  • A Referral from your GP or specialist is helpful but NOT essential – you can have a consultation without a GP Referral
  • Book a consultation with your Surgeon by paying the $200 consultation fee

What to Bring to your Surgeon Consultation

  • Bring a friend or relative to help discuss the information and your choices
  • Take lots of notes and read the documents provided thoroughly
  • You may need to undress for a physical exam so wear simple clothes

Want more information before scheduling your Surgeon consultation?

  • Request more information about the procedure – call or contact us
  • Book a Complimentary Nurse Consultation (FREE)
  • Organise a phone call with Patient Advisor (FREE)
  • Attend our Regular Practice Events and hear from our Specialist Surgeons and their top support team (FREE)
  • Organise a Skype call consultation with a Surgeon (available for Interstate patients)
  • Speak with a past patient that has had the procedure – call or contact us
  • Browse our Frequently Asked Questions including how to choose a Surgeon for your procedure

Please contact us using this form to arrange to book a consultation with one of our expert Specialist Plastic Surgeons or to speak with our Patient Care Advisor. Send an enquiry form today or phone (03) 8849 1444 during Clinic hours.

*Disclaimer: Information about payment options on our surgery website is for general information purposes only. It has been compiled without taking into account your personal situation, financial needs or responsibilities. Before acting on information for your surgery, you should consider its appropriateness, having regard to your individual situation and needs. The information on this website is no substitute for financial advice.

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