If you would like to take out a loan for an operation, you could contact your doctor, your house bank or another German bank or savings bank. If the operation is medically necessary, the health insurance will cover the costs. However, it is completely different if the operation is carried out in whole or in part for aesthetic reasons. It would in no way only be thought of breast augmentation or liposuction. A Lasik treatment to remove high-level short-sightedness or farsightedness has not yet been supported by the statutory health insurance companies.
Most bank loans are characterized by the fact that they are freely available to the customer and can therefore also be used as a loan for an OP. The credit conditions at the individual banks can differ considerably from one another. This affects not only the loan amount and the term, but also the interest. Credit-dependent loans grant all customers with a very good or excellent credit rating low interest rates, while the other customers can expect significantly higher interest rates in some cases. You should therefore rather opt for a credit-independent credit for an operation. Here, the interest rate is the same for all customers who meet the credit requirements.
Loans from the clinic
Many beauty clinics are aware of the problem that customers would like to have an operation performed, but they lack the money for it. Depending on which intervention is to be performed, an operation often costs several thousand euros. For these reasons, many clinics have started offering their own loans for a cosmetic surgery. You do not act as a lender yourself, but refer the patient to a partner bank. This partner bank will check the creditworthiness and income of the customer and approve the loan very quickly if all the conditions are met. Now there is nothing standing in the way of the planned intervention. If the borrower’s creditworthiness is insufficient, the bank could request additional collateral, a co-applicant or a guarantor. It can often be achieved that the loan for an operation can still be approved despite all the difficulties.