The cost of cosmetic surgery is one of the first practical questions most patients ask, and for many it determines whether the procedure is possible at all. The straightforward answer is that financing is available, and at Centre for Surgery we work with Chrysalis Finance, an established UK medical finance provider, to offer payment plans that spread the cost over 12 to 60 months. This article sets out what is included in your quoted price, the payment methods we accept, how Chrysalis financing works in practice, and what to look out for when comparing finance offers.
What Is Included in a Quoted Price at Centre for Surgery
Cosmetic surgery is priced as an inclusive package rather than as a series of separate fees. When you receive a written quote following your consultation, the figure covers everything required to perform the procedure safely and to look after you through recovery. The price includes the surgeon’s fee, anaesthetist’s fee, use of our CQC-registered theatre and recovery facilities at 95-97 Baker Street, and all follow-up appointments needed to monitor your recovery. You will not receive a separate bill for theatre time, nursing, or aftercare visits. Prescribed medications and post-operative compression garments are not included in the procedure price and are charged separately.
A consultation fee of £100 is payable separately at the point of booking the consultation (£250 for revision surgery consultations). This is not refunded against the surgery cost but is a one-off charge for the surgeon’s time during the in-person assessment.
The procedure quote is specific to your case. Cosmetic surgery is not a fixed-price commodity — a breast augmentation quote, for example, depends on the implant type chosen (smooth round, anatomical, or hybrid with fat transfer), the surgeon performing the procedure, and any additional refinements discussed at consultation. For this reason, we provide indicative price ranges on our website but only issue a firm quote once you have been seen in person by a consultant plastic surgeon.
Payment Methods Accepted
We accept three principal payment methods.
Card payment in full. Visa, Mastercard, and American Express are accepted. Many patients who have saved for their procedure pay this way, either as a single payment or split across two cards. The balance is typically settled at least 14 days before the surgery date.
Bank transfer. BACS or Faster Payments transfers are accepted, with full payment cleared in our account at least 14 days before surgery.
Chrysalis Finance. Our partnered medical finance provider, suitable for patients who prefer to spread the cost over a defined period rather than pay upfront.
A non-refundable deposit is required to confirm any surgery booking. The balance is then due before the 14-day statutory cooling-off period closes.
Chrysalis Finance: How It Works
Chrysalis Finance is a specialist medical lender authorised and regulated by the Financial Conduct Authority. Their application process is built around medical procedures specifically, which means decisions are typically faster than with a general personal loan.
Loan Terms Available
Chrysalis offers two principal products:
- 0% APR representative loans over 12 months on selected loan amounts. This is interest-free credit — you repay only the borrowed sum, in 12 equal monthly instalments, with no interest added. Subject to status.
- Interest-bearing loans over 24, 36, 48, or 60 months for higher amounts or where the 0% product is not available. The APR is fixed at the point of application and disclosed in the loan agreement before you sign.
You can finance the full procedure cost or part of it. Some patients choose to pay a larger upfront deposit and finance the balance over a shorter term to minimise interest.
The Application Process
Applications can be completed online through Chrysalis directly, or by phone with their team. There is no fee for applying and no fee for being approved. The application takes around 10 minutes and a decision is usually returned within minutes.
If approved, Chrysalis pays Centre for Surgery directly once you confirm your surgery date. You then repay Chrysalis through a direct debit set up from your nominated current account. There is no penalty for repaying the loan early.
Eligibility
To be eligible you must be over 18, a UK resident with at least three years of UK address history, in regular employment or with a verifiable income, and able to provide bank details for the direct debit. Applicants without an established credit history can sometimes be approved with a guarantor — this is assessed case by case by Chrysalis.
Approval is not guaranteed and depends on a credit assessment carried out by Chrysalis. A declined application from Chrysalis does not affect your ability to proceed with surgery using another payment method.
What to Look Out for When Comparing Finance Offers
Patients sometimes compare finance options from different clinics and find headline figures that look very different. A few things to check before comparing on monthly cost alone:
Representative APR vs your actual APR. “Representative APR” is the rate offered to at least 51% of accepted applicants. Your actual rate may be higher if your credit profile is weaker. Always read the loan agreement before signing.
Total amount repayable, not just monthly payment. A longer loan term reduces your monthly payment but increases the total interest paid. A £6,000 procedure financed over 60 months will cost considerably more in total than the same loan over 24 months, even though the monthly figure looks lower.
Early repayment terms. Chrysalis loans have no early repayment penalty, but some general credit products do. If you plan to clear the balance early, this matters.
What happens if the surgery is cancelled. If you cancel within the 14-day cooling-off period after your consultation, the finance agreement is cancelled in line with the loan agreement terms. Your deposit treatment is set out in our terms of business — your patient coordinator will explain this at booking.
Worked Examples
The figures below are illustrative only and not a formal quote. Your actual loan terms will be confirmed by Chrysalis at the point of application.
Example 1 — Rhinoplasty at £8,500, 0% over 12 months
Monthly repayment: £708.33. Total repayable: £8,500. Interest paid: £0.
Example 2 — Tummy Tuck at £10,500, financed over 36 months at 12.9% APR representative
Approximate monthly repayment: £353. Total repayable: approximately £12,708. Interest paid: approximately £2,208.
Example 3 — Combined Liposuction and Mummy Makeover at £14,000, partial finance of £7,000 over 24 months at 9.9% APR representative
Approximate monthly repayment: £323. Total repayable on the financed portion: approximately £7,752. Patient pays £7,000 upfront and £7,752 over 24 months.
For an accurate quote based on your circumstances, complete the Chrysalis application or speak to your patient coordinator on 020 7993 4849.
Frequently Asked Questions
Can I get cosmetic surgery on the NHS?
Cosmetic surgery is generally not funded by the NHS unless there is a clear functional or psychological clinical indication — for example, breast reduction for documented back pain, or reconstructive surgery following trauma, cancer treatment, or congenital deformity. Aesthetic procedures requested for personal preference are not NHS-funded and must be paid for privately.
Can I use a personal loan from my bank instead of Chrysalis?
Yes. Any payment method that clears the balance before the 14-day pre-surgery deadline is acceptable. Some patients secure better rates through their existing bank — it is worth comparing. Chrysalis is offered as a convenience because the process is designed around medical procedures and approval is typically faster than a standard personal loan.
Is the consultation fee refunded if I proceed with surgery?
No. The £100 consultation fee (£250 for revision consultations) is a one-off charge for the surgeon’s time. It is not deducted from the surgery price.
What happens to my deposit if I am declined for finance?
If you have paid a deposit and your finance application is subsequently declined, you may pay the balance by an alternative method (card, bank transfer, or a different lender). If you decide not to proceed, the deposit terms set out in our terms of business apply — your patient coordinator can explain these before you pay.
Do you offer in-house finance or “pay later” schemes?
No. We do not offer in-house credit or buy-now-pay-later schemes. All financing is provided by Chrysalis, an FCA-regulated third party, which protects you with the consumer credit protections that come with a regulated loan agreement.
Can I combine financing with a card payment?
Yes. Many patients pay a deposit by card, finance a portion through Chrysalis, and pay the remainder by bank transfer. Your patient coordinator can help you structure this.
Next Steps
If you would like to discuss the cost of a specific procedure or explore finance options before your consultation, our patient coordinators can give you indicative pricing and explain how Chrysalis works. Call 020 7993 4849 or complete the form below.
Full details of finance products and current representative APR figures are published on our Finance Options page. For an in-person assessment and a firm quote, request a consultation at our Baker Street clinic.
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Centre for Surgery · CQC-regulated · GMC specialist-registered surgeons · 95–97 Baker Street, Marylebone, London W1U 6RN · 0207 993 4849 · Book a consultation · Finance from 0% APR
