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$6000 Elective Surgery Breast Enhancement Loan With Bad Credit – Riverside

This applicant is a woman (not the famous actress above) with a bad credit rating, who lives in Riverside County, Ca.

She needs 5-6 thousand dollars for elective surgery. Here are the particulars on the loan;

  • $5000-$6000 principal loan
  • Temecula, Ca (Riverside County)
  • 46 year old woman
  • breast lift and augmentation loan
  • elective surgery with no HMO coverage
  • credit rating is poor with a FICO score of 580
  • has a part time job earning just about $2000 a month
  • wants the loan fast (as most borrowers do)

First we will show you the loan request as per normal, and then we will discuss the actual cost of the loan based on her particulars.

We will calculate the loan using two different interest rates to give our readers an idea of what the lending will cost her over a 5 year period.

Type of Financing :: Bad Credit Personal Loan – $6000 Loan – Elective Surgery – Breast Enhancement/Lift

Why do you need a loan? :: My HMO does not cover elective surgery for breast lifts and enhancement and I really want to go forward with the surgery. I have very small breasts, and to make things worse, they sag now that I’ve had three kids and I’m now 46 years old. I want to be able to have my old figure back that I had in my early 30’s.

I’ve priced out how much the breast enhancement will cost in California for a good surgeon, and it’s around $6000 dollars for a skilled surgeon. This includes post-up recovery, and pre-op appointments.

I don’t have 6000 dollars to spare and I am really desperate to have the procedures done. Can you help me in any way? Can you help me find a loan some where in Riverside County? I live in Temecula and I work here too, so the doctor has to be somewhere near here.

How Much Do You Need To Borrow? :: Between $5K – $6K

Length of Employment :: Over 2 Years

Time at Address :: Between 2 – 3 Years

Age :: Over 40

Anything else that would help us get your loan approved :: I am a beautiful woman, and always have been, but this loss of breast fullness and firmness has caused me allot of stress. I know it may be considered shallow of me but “it is what it is”. If I can get approved for the money, I will pay back every cent of it over a 5 years period (hopefully the lender will give me the loan for that long of a period). Payday loans or cash advances are completely useless to me because they would never lend anyone $5000 – %6000 dollars, and even if they did I would never use them, because they are a total ripoff.

Sex :: Female

Marital Status :: Married

Ever Claimed Bankruptcy? :: No – never

What Country is Your Primary Address :: United States

What State and County is your primary address in? :: Temecula, Riverside County, California

Have you checked your credit report? :: Yes

Would you consider your credit rating to be? :: Poor

Collateral? :: No

Down Payment? :: No

Do you a have co-signer or co-borrower? :: Yes

Employment Background :: I’m a part time book-keeper and I work from home half the week, and the other half of the week I work in the office. I handle the books for 4 medium sized companies. I only earn a take home amount of $2000 monthly, and not enough to have extra to pay for the surgery. My only chance at getting my chest improved upon is to get approved for the loan.

Because this applicant has a co-signer with a good credit rating, she was able to get approved, but below we have the breakdowns of a $6000 dollar surgery loan for 5 years using different interest rates.

$6000 Breast Augmentation Loan – 8% APR – 5 Year Term

  • principal for breast enhancement and lift loan = $6000
  • length of term = 5 years
  • APR – interest rate = 8%
  • payment schedule = monthly

Monthly Payment Schedule for Breast Enhancement Loan;

Calculated Loan for Borrower – Applicant (rounded)

  • Amount to be paid for full term is $7,372 dollars
  • Amount of interest to be paid is $1,372 dollars
  • Installment payments over term are $121 dollars per month

No we can look at a more typical loan for a bad credit applicant such as the borrower in this case. We have to add some percentage points to her interest rate to see what it would cost. Another thing is that many lenders (private, conventional, or credit union) won’t approve a loan of this size without having a very short term on it. For this we will use a term of 2 years. She would also likely to have a biweekly payment schedule for this. See below;

$6000 Augmentation Enhancement Financing – 14% APR – 2 Year Term

  • principal for breast augmentation loan = $6000
  • length of term = 2 years
  • APR – interest rate = 14%
  • payment schedule = biweekly

Biweekly Payment Schedule for Breast Augmentation Financing;

Calculated Loan for Plastic Surgery and Breast Lift

  • Amount to be paid for full term is $6,856.15 dollars
  • Amount of interest to be paid is $856.15 dollars
  • Installment payments over term are $131.49 dollars per month

So you see here that the payments are almost the same for both loans, EXCEPT that in the latter example she is paying biweekly instead of monthly. The loan is paid off 3 years sooner in the last scenario, which is fine as long as she can make the payments alright. The total per month of course is $263 a month which is something a working person can handle, and in the end she has completely transformed her breasts, her body, and her self-esteem.

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23 Pre-apps

  1. Bette wrote:

    I need a personal loan for breast augmentation too. Please keep posting lenders that might approve me.

  2. Benjamin Pierzina wrote:


    My wife is scheduled for breast augmentation surgery in April. I need $4000 by April 12th to pay for the procedure. I want to borrow the money only if it doesn’t appear on my credit report as I am scheduled to close on a house purchase later next month. Please let me know if you can help.


  3. Laverne wrote:

    Seeking cosmetic loan for 6$ thousand I applied at Care Credit but was denied

  4. Heidi wrote:

    I need a $6k loan today!!!!! For cosmetic surgery but cannot get approved through care credit or credit union. My high score is around 640 but in the middle of a divorce and soon to be ex is affecting my credit!!!! I lived in our residence for 8 years and have just recently moved out and living with my mom to save money and pay off a loan for cosmetic surgery. THe things is, I need a loan for $6k by today at 3 pm-is this even remotely possible??????

  5. Verona wrote:

    Hello! I am looking to have a loan for a breast augmentation but am not able to get a loan anywhere. I am a fulltime student and a fulltime employee and have been living at the location i am at right now for about 4 years. I am looking for a loan like I said but am in no hurry just want to find a loan as quick as possible. please help

  6. Lisa wrote:

    I am in desperate need of help in getting a loan quickly. I have wanted breast augmentation all of my life and I have found a plastic surgeon sorta close to my area offering breast augmentation for $3000.00, he is also offering that if a person pays $1500.00 down that he will finance the rest. I know that I would never find another opportunity like this. I don’t have any credit established, and my husband’s credit isn’t so hot (it’s all hospital bills). We have been married 19 years and he has a great job in the coal mines making $29.00 an hour. We don’t have any bills except for the basics rent, electric, water & etc. I have tried a couple places but haven’t received a response. I am worried about getting scammed too. We just can’t get anyone to give us a chance and I know we could also build our credit. But I do plan to have the loan paid off within 6 months so won’t have to pay so much interest. I pray you can help me. Oh yeah, we love in kentucky. Thank you so much.

  7. Rena Graham wrote:

    I had mine done in January 2011, Sounds exactly the same as when I had mine, i was very uncomfortable in my own skin. the numbness does go and so will the soreness, give them a chance. mine dropped by my 6 week post op appt and im thrilled now. scars still visable but im thrilled with the result

  8. Shellie wrote:

    I’m looking for 6000 loan as well for breast augmentation and care credit got denied as well. I have 2000 to put down help.

  9. Mytee wrote:

    I’m looking for 6000 loan as well for breast augmentation and lift. Applied at care credit but got denied as well as every other loan company due to my credit. I have $1500 to put down.
    Someone plz help with some options that you went through or finance me plz. Thx

  10. tera wrote:

    i would like to borrow 6000 for breast augmentation with a lift, i live in south carolina, i have bad credit, but a bank account with direct deposit, good monthly income. i would like the loan asap

  11. Lisa wrote:

    Applied for care credit also & was denied. I am in desperate need of a $6200.00 loan by the end of today for breast augmentation surgery.

  12. Kristy wrote:

    I have had multiple surgeries including 4 c-sections and 6 other including a hysterectomy. My PCP sent me to a general surgeon thinking maybe he could help me. My complete hysterectomy was Oct 08. Weighed 130 and had long hair. Months later I gained weight very quick and my hair was coming out. I went to my FOP that I had been seeing for years. I got to the point to where I was extremely tired. This went on for two years. My FNP just kept treating mysymptoms. Finally my heart and my vision was being affected. I have 4 children. My husband the whole entire time I was sick never once thought about me. Him and the kids went places without me. I drove myself to my doc spots. I went to the same FOP and told him my heart was hurting. He said your to young to have a heart attack. EKG was done. I went to the eye clinic. Finally I knew something was wrong and if I didn’t get help I was going to die. I didn’t tell anyone but I went to another clinic and seen an MD.

    He looked at me and immediately knew I had thyroid disease. Took blood and after results next morning started medicine. My cholesterol ad 293. I gained 50 lbs. I am 36 and have cataracts and my whole appearance has changed. I have lost 38lbs. My old FNP. apologized. He told my husband to tell me that. My husband never stood by my side. I thought I was dying. I have tried like everyone else to get a loan. I got married while still in high school. Was gonna go to nursing school but my husband didn’t want me to. I worked at a bank before having children. Then I stayed home. Homeschooled for a while. I have had alot of female. Problems and multiple surgeries. I can’t run, jump, exercise or lift heavy stuff. I want to play with my kids. Can’t wear jeans and always wearing something for support. My belly button is gone, I’ve been cut up and down and across. My. My skin below is thin. I am going to be a Pharmacy Tech soon and I really need to have my surgery before I started work. I really need this. I feel ugly. Out of the entire year me and my husband have only been intimate 3 times.

    I don’t have good credit bc I don’t work. He rarely gives me money. I feel like another child having to ask for money. Sometimes I hate him. I haven’t found anyone who will help me. I need this surgery so so badly. I want to work and not rely on him or any man ever again.

    Please consider my loan application.

  13. Jason wrote:

    Looking for a mommy make over loan of about 8k to restore the confidence of my beautiful fiance. We have both been turned down for traditional credit. Income is large and payments are NOT a problem. It seems financing is due to a number found in a credit file that is completely inaccurate and skewed. I welcome any possible help.

  14. catherine wrote:

    I am looking for a breast enlargement to help boost my self confidence. I feel uncomfortable even around my husband. I have no money down but payments would be no problem. PLEASE HELP. Thank you

  15. Roseanne wrote:

    I would like to borrow 6000.00 for breast augmentation and tummy tuck. I have been turned down by the other company due to poor credit (I’m separated, husband accrued lots of bills in my name that I am in the process of paying) I work full time and make good money but I also have 3 children. I am doctorate student and will pay my loan back, on time and before the term ends once I graduate! Please help me!!!

  16. Anita wrote:

    I need a $25,000 loan today! I’ve taken money out of our savings to invest to help our family and the investment hasn’t come thru yet and he is looking to use some of the money. My husband is unaware of the savings W/D and I fear it could hurt our marriage. Please help!
    Need: $25,000
    Personal Loan (I guess is the best for my need)
    Reside: Staunton, VA
    Credit score: last I checked it was 651
    Needed this loan yesterday!

  17. Silvia Duarte wrote:

    I would ask the oppturnity for a loan for this procedure.I am going through a divorce and getting my life back together Thank You

  18. Margaret O wrote:

    I am looking for the $8,000 financing for breast augmentation. I was a victim of the domestic violence, and need to fix my chest to prevent breast cancer. Thank you.

  19. jenna wrote:

    Single mother of 3 kids under 3 and need new breasts. I get paid weekly and work for family so I will always make payments. I earn salary every week.

  20. Arminda wrote:

    I need loan for breast augmentation. I have bad credit because my grandson had leukemia and died at 4 yrs old. I had a lot of extra expense driving extra miles and caring for him and siblings.

  21. Rudy wrote:

    Looking for arpund 4500 to get my wifes breasts done. She is a wonderful mother to our two boys and has been feeling very poorly about her body. With the weigh she put on and has taken off both times it has caused her breasts to sag and seem smaller and it makes her self conscience. I make a very good salary as does she and get paid bi weekly i just dont have the funds available. This would be a great surprise if i could make trhis happen but my credit is not great. So looking for any help possible.

  22. Velmateen M. wrote:

    I need $6,000 to have lap bamd revision aurgery. I had the lap band procedure 4 years ago and I rhe band is no longer working. I have gained all of the weight back and it’s causing other medical issues which is effecting my quality of life. I have insurance with my employer but weight loss surgery is an excluded.

  23. Marie wrote:

    I am 55. i have my first child at age 17. second child at 21. i now have saggy breast. i am having trouble with this, it is affecting my self esteem. i
    as i look back i never got to really expeirince my perky breast. i have 2000.00 down and can make in house payments. ive applied with cc and united denied by both am in the process of credit repair, please help find a surgeon in the Denver area that will help me.

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