Facial
Body
Breast
Minor ProceduresPatient Finance
We offer selected patients a comprehensive patient finance package. Check if you are eligible, please contact us if you have any questions
At Cosmetic Surgery Partners we have a number of flexible finance options that can make your surgery a reality!
Used responsibly, finance is a great way to spread the cost of your purchase. As a customer of Cosmetic Surgery Partners your finance application will be considered by Lender name, your finance application will be considered by Omni Capital Retail Finance.
The application form is quick and simple and includes help text throughout to assist you. You will receive a decision from your lender in just a few seconds.
Please be aware that finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.
Lender Arrangements
Our lenders hold the required authorisation and permissions to provide you with credit. They need to meet high responsible lending standards, so you can rest assured that your application will be considered fairly and responsibly.
Check your Eligibility
To be considered for finance, you will need to meet all of the following criteria:
- At least 18 years old
- Gross annual income of £5,000+
- UK resident (of 3 years or more)
- UK bank account capable of accepting Direct Debits
- You are not currently bankrupt, subject to an
Individual Voluntary Arrangement (“IVA”), or have any Country Court Judgments (“CCJs”)
Available Finance options
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 48 months. The value of the loan needs to be over £250 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.
Please note: the interest free finance available is not regulated by the Financial Conduct Authority.
Understanding the numbers
We want to make sure that you understand the costs, terms and key features of the finance options that are available to you.
The Cosmetic Surgery Partners team will explain the key terms of the finance options available, including the interest rate, repayment period and any fees or charges on the finance.
You will be able to select the repayment term which is most affordable for you. The Cosmetic Surgery Partners team will describe a typical example of what you could expect your loan amount, interest, and monthly payments to look like, should you be accepted for finance.
It’s important that you understand what this information means for you before you decide to apply for finance.
Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could impact on your finances – e.g. retirement, moving home, changing jobs, or any health issues which could affect your income or expenditure.
For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.
Finance Decision (FAQS)
Will I be accepted for finance?
Your application will be assessed based on eligibility, credit history and affordability. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.
It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours.
What do I do if I have been declined?
If your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please contact your lender – their contact details will appear on the email informing you that your application was declined.
You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:
Your Loan Agreement
Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms.
Who should I contact if I have a question about my loan?
For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. Their contact details will be provided throughout your application and on any communications, you receive about your finance application.
When will I receive a copy of my loan agreement?
You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address.
If you need a copy of your agreement at any point after this, you can request this from your lender.
The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.
Payments and Order
How do I make my monthly payments?
Your lender will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.
I want to amend my order.
If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered, and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.
I have not received my treatment
Please contact us at info@cosmeticsurgery-partners.co.uk and we will help you
I want to change my Direct Debit details.
Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.
Are there any fees or charges to pay?
There is no fee for processing your application.
Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.
Cancellations and Returns
I want to stop my treatments and cancel my my finance agreement
Please refer to cancellation in our terms and conditions or contact a member of our staff 020 7486 6778
What happens to my loan if I want to cancel/stop my treatment?
Please refer to cancellation terms in your Treatment Proposal and Terms & Conditions, or contact a member of our staff 020 7486 6778.
Can I withdraw from the credit agreement and pay by a different method?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which the lender will tell you that they have signed the agreement). If you wish to withdraw you must give your lender notice in writing or by telephone or email. The name and contact details of your lender will be clearly shown on your credit agreement.
Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.
Your Personal or Financial Circumstances
It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.
If you find yourself struggling due to a change in your circumstances, please contact your lender and ask for their help.
Use of Your Personal Data
In order to process your application, you will be asked to provide information about your personal, employment and financial situation. We will share your personal data with their partner lenders so that they can make a decision about whether to offer you finance. Lenders perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to enable them to make their decision.
Your lender will let you know where you can find more information about their privacy policy.
Still have questions?
For any questions related to finance, please contact your lender. Their contact details will be provided throughout your application and on any communications, you receive about your finance application.
Legal Information (FCA Disclaimer)
Cosmetic Surgery (UK) Limited T/a Cosmetic Surgery Partners is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 697892). We do not charge you for credit broking services. We will introduce you exclusively to Omni Capital Retail Finance Ltd finance products provided by Omni Capital Retail Finance Ltd.
