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Availability of Breast Augmentation Financing is Plentiful Most women who seek breast augmentation to enlarge their breasts as opposed to reducing them can expect to pay for the procedure out of their pocket. This is not considered a necessary medical procedure, but rather one of aesthetics. Over-extended Credit: Can you Still Qualify for a Cosmetic Surgery Loan? Just because a person has a few negative marks on their credit report doesn't mean they have to settle for what interest rate comes their way. In the end, they not only look great, but they are also improving their financial future. Basic Steps Needed for Obtaining a Cosmetic Loan for Surgery There are companies offering loans for those wishing to have some sort of cosmetic surgery. Medical Loans: What to do When You Need Money for Medical Treatment Medical treatment is very expensive, but unlike most pricey items, it's not an optional or luxury purchase for those in need of treatment.