Payment Plans, Finance and Payment Options for Rhinoplasty Surgery


Download the Finance Guide on how to fund your surgery.

Finance Guide Download

How to Fund Your Cosmetic or Plastic Surgery

There are 4 different ways you can fund your cosmetic Nose Surgery, These include:

1. Starting a special purpose savings Account

ING, Bankwest, ME Bank, St George, HSBC, Bank of Melbourne, and Rabobank provide a variety of special-purpose savings accounts.

Not only can you compare interest rates on Finder, but you can also use the savings calculator to identify the best savings accounts.

Use a credit card that is either interest-free or has a low-interest rate.

As an alternative to medical finance companies, several banks provide ‘Interest-Free’ periods or ‘Low-Interest rate’ credit cards. To compare credit card rates and terms, go to the Credit Card Finder.

2. Reducing your Home Loan Interest by using your mortgage to save up

Paying down your mortgage and then redrawing funds from your early payments when you’re ready to undergo your surgery will save you money on interest.

3. Withdrawing from your Super Fund

Superannuation Funds can occasionally be accessed early to pay for life-changing surgery through a specific government process for Rhinoplasty (Nose Surgery).

The Australian Tax Office (ATO) will also consider Early Super Fund Access applications for medical operations that address life-threatening illnesses or chronic pain. 

Your Super Fund, on the other hand, will make the final choice. Visit the Super for Surgery to learn more.

4. Medical Payment Plans and Finance

You can find payment plans from organisations like TLC (Total Lifestyle Credit)Mac Credit, or Medipay by searching for ‘medical finance firms.’ (For more information, check below).

FINANCIAL DISCLAIMER: Our office does not provide credit. Furthermore, we do not earn any commissions or rebates from any credit providers. All lenders and credit providers are separate, third-party businesses. We do not offer any financial advice. When evaluating whether or not finance is right for you, you must analyse your individual financial situation.

Can I have a Payment Plan for Surgery?

Pre-Payment Before Surgery

  • Surgery Savings Plans are a type of savings plan that allows you to save money for a special-purpose savings fund could be a useful choice for patients who want to save money for their surgery before having it done. You can also choose to pay your mortgage ‘down’ in advance to save money on interest, then pull funds from your early payments when you’re ready to have your operation.
  • Pay in advance with the practice. Before your surgery, you may pre-pay your account at the office by making a series of smaller instalments as a payment plan.

Payment After Surgery

Medical Credit and Finance Providers have payment plans available. Plastic surgery of high quality can be pricey. 
When it comes to patient safety, our plastic surgeons don’t cut corners, and we try to deliver the best outcomes possible. 

There are a number of respected external independent finance organisations that may be able to assist some surgery patients who do not have the financial means to pay for their procedure in full. TLC Total Lifestyle Credit or Medipay are examples of medical finance companies that may be found by Googling “Medical Finance Companies.”

Surgery Payment Solutions and Financing for Cosmetic Plastic Surgery

Medical Finance TLC – Total Lifestyle Credit

TLC provides payment plan solutions to suit your unique needs for Medical & Cosmetic Treatments. Whether it’s medical or dental TLC provides you with personalised and stress-free service. TLC provides funding from $2,001 – $50,000. A large range of lending providers is available to suit different types of borrowers.

  • TLC – fund all Medical/Cosmetic treatments and out of pocket costs ✓
  • Payment plans from $2,000 to $50,000 – covering all dental fees ✓
  • No stress – the whole process is managed privately by TLC Consultants ✓
  • Flexible options – any additional repayments can be added back to the payment plan at no extra charge ✓
  • Fast efficient approvals, simply apply online ✓

The repayment for the lower price points :

  • $2000 (36 months) = $20 per week
  • $2500 (36 months) = $25 per week
  • $3500 (36 months) = $35 per week

Simply complete your info by visiting TLC – Total Lifestyle Credit

MediPay – Easy Payment Plan for Medical & Dental Procedures

  • A range of payment plans are available
  • No stress – the whole application process is completed with an easy online application form with a decision within 60 minutes
  • Also, there are no hidden fees or charges
  • Flexible options – any additional repayments or rebates from Medicare/Private Health can be added back to the payment plan at no extra charge
  • Fast efficient approvals, simply apply online
  • Go to the Medipay Website for the application

Why Choose Dr Kleid for Rhinoplasty?

Dr Stephen Kleid
Cosmetic Rhinoplasty

Dr Stephen Kleid is an experienced ENT Surgeon (Otolaryngologist) based in Melbourne with a passion for Septo-rhinoplasty, Septoplasty and a strong interest in Rhinoplasty Revision.

Dr Kleid’s Procedures

How can we help?

Dr Kleid’s Team takes pleasure in assisting you with any questions when considering a plastic surgery procedure. Please call the Hawthorn East clinic in Melbourne between 8 am – 6 pm on Weekdays.

Phone,  Email or Book a free 15-minute Call with Dr Kleid’s team.

What Next?

Want more information about your Procedure?

  • For more information about pricing and payment methods, please visit our page on Surgery Payment options.
  • Talk to our Patient Care Team from 8 am to 6 pm Monday to Friday on 
    1300 264 811

What to Bring to Your Consultation

  • If you like, please bring a friend or relative to help discuss the information and your choices.
  • Take a lot of notes and thoroughly examine the documents your surgeon provides.

How to Book a Consultation

  • Dr Kleids Consultation fee is $600 which includes a nasendoscopy ($300).
  • A referral from your Doctor is helpful to claim any Medicare or Health Insurance rebate but is not necessary for a consult.
  • Please contact the Patient Care Team at Coco Ruby Plastic Surgery today to book your consultation.