Laura, Breast Enlargement Patient

Cosmetic Surgery On Finance

6-12 months at 0% interest available
24-60 months at 16.9% APR available

Enquire Now Find out more in our FAQs

Looking at Breast Reduction surgery?

Take a weight off your shoulders with finance

Choosing Finance with Pall Mall Cosmetics

We know that the cost of a procedure can feel overwhelming, especially when you're juggling financial concerns.

That's why we offer a variety of flexible payment options, designed to make your treatment more accessible, no matter your financial situation. Whether you have limited or no credit history, or a low credit score, we understand that upfront costs can be a major barrier and we're here to help!

At your consultation, our Patient Coordinators can evaluate your unique financial circumstances by carrying out a soft search to see your probability of getting accepted.

Our goal is to ensure that cosmetic surgery is easily accessible to all our patients.

How can finance help you?

Flexible finance Including 6-12 months 0% Interest free or longer options at 24 - 60 months at 16.9% APR

Interest free options 6-12 months 0% Interest free

Choose your deposit amount Our deposits start from £500, allowing you to choose a deposit payment that suits you

A dedicated patient co-ordinator Your patient co-ordinator will be able to walk you through the finance application journey, offering advice and guidance to make the process easier for you

Trusted finance providers Our finance providers are trusted by the public from high-street purchases to life-changing healthcare.

Get booked in Get your finance accepted and your surgery booked!

What are my finance options?

Who offers the finance?

Finance is arranged through Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193.

What options are available?

6-12 months 0% Interest free (deposit payments from 35% to 50%)

24 - 60 months at 16.9% APR (deposit from £500)

You can vary your deposit amount or spread the cost over a longer or shorter period so that your monthly payment amounts are more suited to your individual situation. Simply ask our team and they will provide you with a full list of options.

How much are the repayments?

Obviously, this will depend on the amount you borrow and whether you pay a bigger deposit. Our team will show you, completely without obligation, the monthly repayments for your treatment.

Calculate for yourself the monthly repayments for your treatment by entering the cost in the finance calculator.

16.9% APR Representative example:

Total cost of treatment £7295
Cost of deposit £500 (minimum requirement)
The total amount of Credit £6795
Total charge for credit £2685.13
Total Amount Repayable £9480.13
Repayable over 60 months
Monthly payments of £158.00
16.9% APR Representative

0% APR example:

Cost of treatment £7295
Cost of deposit £2,553.25
Repayable over 6-12 months
Monthly payments of £395.15 (based on 12 months)
0% APR Representative

Finance Calculator

Your finance journey

Attend a free consultation

Discuss your options & apply

Book your surgery!

How to apply

To apply, book a free consultation with us and discuss your surgery goals with your chosen surgeon. You will meet your dedicated patient coordinator who will discuss your surgery cost and walk you through the finance application journey- offering advice, guidance and even carry out a soft search to see if you are likely to get accepted without impacting your credit score.

Once your application is complete, the information is sent to the lender immediately with a response given within 48 hours. Once your finance agreement is signed and finalised you will have a 14 day cooling off period in which you can change your mind (subject to Pall Mall terms & conditions)

Enquire Now Find out more in our FAQs

Why choose Pall Mall?

Pall Mall is cosmetic surgery care owned and led by doctors, which means care without compromise. We’re driven by how best we can deliver what will make you feel great about yourself – from your first call right through to total, attentive aftercare.

Care Quality Commission regulated
GMC registered surgeons
State-of-the-art theatre facilities
Privately owned hospital
Comprehensive aftercare including dedicated patient experience team
Rated Excellent on Trustpilot

Get in Touch

Speak to a member of out team today!

A member of our team will be in touch with you to discuss your requirements.

First Name

Last Name

Email Address

Phone Number

Your Enquiry

Preferred Location

I agree to receive advice, offers and news by email and SMS in accordance with our privacy policy

Source Channel (Marketing Only)

Enquiry Source

Enquiry Type

Payer

Type of Procedure

Imaging Type of Scan

Enquiry Department

Enquiry status

Owner

Frequently Asked Questions.

Our expert team are always hand to help, advise and arrange appointments with our specialist consultants.

How much can I borrow?

You can borrow between £350 and £25,000, subject to status. You must be at least 18 to apply, and you must have lived in the UK for at least 3 years.

Will I be accepted for credit?

There are certain criteria you must meet in order to be accepted:

You are aged 18 or over
You are employed at least 16 hours per week
You have a good credit history with no late payments, debt relief orders, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcies
You are a permanent UK resident
You are able to supply a UK address history for the last 3 years
You are not a student (unless employed at least 16 hours per week) or unemployed single house person

We welcome applications from individuals who are retired, in receipt of a private or company pension (aged 50 or over at date of application).

Decisions are made based on credit history available from credit bureaus, as well as using public registers such as the electoral roll.

Please note, meeting the above criteria does not guarantee finance acceptance.

How long does the application take?

The application itself only takes a few minutes and is completed online. As the application process is online, once you’ve submitted your application, you should find out within seconds if you’ve been approved, or “referred”.

If you do get referred, this could just mean that the lender needs a bit more information from you, Chrysalis will be in touch to talk about information needed.

Do I have to pay a deposit?

A minimum deposit of £500 is required. When using 0% finance, your deposit must be at least 35% and no more than 50% of the total cost. You can choose to pay more than the minimum required deposit to lower your monthly payments.

What happens after I’ve been approved?

If you’ve been approved, you are then required to pay the deposit – this is done by debit/credit card.

Pall Mall Medical will get an instant notification and will contact you shortly after this with details on the next steps for the service you have booked.

What if my application gets declined?

We are unable to comment on individual applications as the lender may not give us a reason for the decline. Often, applications are declined because incorrect information is given. If you believe this to be the case, please ensure your address history and all other information is entered accurately.

If you have paid a deposit, this will be refunded to you.

You are able to ask someone else to make an application on your behalf. If you wish to do this, please see the information here.

How do I make payments?

The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject the usual guarantee from your bank.

When can I book in for surgery?

You can choose to book your surgery date either before or after applying for finance.

If you book before applying, a separate deposit will be required, paid directly to Pall Mall, and will count toward your total treatment cost.

Please note: your surgery must be scheduled at least 14 days after your finance agreement has been approved and signed. If you choose a date within this 14-day cooling-off period, you may need to self-fund the procedure.

Who should I contact if I have questions about my payments & finance agreement?

For all payment and queries regarding your finance agreement, please call Chrysalis Customer Services - 0333 323 2230

Are there any hidden costs?

There are no hidden costs.

The Pall Mall Medical team can provide you with full information of what you will be required to pay if you are unsure.

What if I need to cancel/rearrange my appointment?

Refunds & Cancellations - Terms and conditions

If you do not attend your appointment or need to reschedule within 48 working hours before the appointment, we may not be able to refund the whole amount to you. This will depend on the specific service. One of our team at Pall Mall will be able to provide you with more information if you require this.

Please read our cancellation policy.

What if I decide that I don’t want the finance?

There is a statutory ‘cooling off’ period of 14 days after signature during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.

Who provides the finance?

How much disposable income should I have such that the monthly payments are considered affordable?

A common rule of thumb is that your total monthly payments, including the proposed loan, should not exceed 20-30% of your disposable income. This range provides a buffer for essential living expenses and unexpected costs.

How much can I borrow?

You can borrow between £350 and £25,000, subject to status. You must be 18 or over to apply, and you must have lived in the UK for at least 3 years.

Pall Mall has an affordability tool which your Coordinator can go through with you.

If I am in the unfortunate situation where my finance is declined, what options are available to me?

In the unfortunate situation where your finance is declined, there are several other options available to you:

a) Appeal the decision. Often our lending partner can re-check and re-process your application. They may have factors that they can change to increase acceptance. E.g. can the deposit or term be adjusted to lower the monthly payment and hence increase the affordability?

b) For other options – see our suggested alternative options below.

Am I able to appeal the decision if I get declined for finance?

Yes - our lending partner has the ability to reassess and re-evaluate your application. There might be variables that they can modify to enhance the likelihood of approval.

If my finance is declined via Pall Mall, am I likely to get accepted through another provider?

Approval rates for cosmetic surgery financing are rarely different when applying through another provider. Chrysallis, the lender that Pall Mall uses, is the exclusive prime cosmetic surgery finance provider in the UK. Chrysallis have a strict approval process and only work with cosmetic surgery providers who meet their standards: company stability, longevity, no history of liquidation. Some competitors may not meet these criteria, leading them to utilize sub-prime lenders with higher APRs (e.g., Kandoo, Loans Warehouse, 121 Finance). Whilst you may be approved by another provider - you should check if they use a sub-prime lender as the APRs are on a sliding scale and may range from 5% to as high as 45%.

Can a friend or relative apply for finance on my behalf?

Yes – you should agree repayment terms with a trusted friend or relative. Pall Mall cannot be held liable for any disputes between you and another party as our contract is solely with the patient.

If I want to get finance through an external provider, am I able to do so?

Yes – we have a few suggestion options below.

If you want to find finance from another source, I.e. a personal credit card or bank loan, we recommend:

1. Compare the Market - https://credit-cards-eligibility.comparethemarket.com/
2. ClearScore - https://www.clearscore.com/credit-cards
3. Tesco Personal Loan - https://www.tescobank.com/loans/loan-calculator/?goto=section-4
4. Finder.com - https://www.finder.com/uk/cosmetic-surgery-loans

What is the difference between prime and sub-prime lending?

Prime lending is for borrowers with good credit, offering lower interest rates and favourable terms

Subprime lending is for “higher risk” borrowers who, likely are not approved by prime lenders. Subprime lenders typically offer higher interest rates and less favourable terms

Finance with Pall Mall Cosmetics

At Pall Mall we know that once you've decided on cosmetic surgery, you want to avoid the uncertainty of whether you'll be approved for financing, especially when you're confident in your ability to make monthly payments. We have a range of patients come to us who want to pursue finance options, with either no credit history or a low credit score. We understand that even though you believe you can comfortably manage the monthly payments, some lenders may hesitate to grant you a loan due to strict conditions.

At your consultation, our Patient Coordinators can evaluate your unique financial circumstances by carrying out a soft search to see your probability of getting accepted.

Our goal is to ensure that cosmetic surgery is easily accessible to all our patients.

*Deposits starting from £500

Please note that up to 12 months interest-free 0% finance is not regulated by the Financial Conduct Authority.

Any late or missed repayment may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future.