Finance for surgery
Finance for surgery: pay for your operation monthly
Chrysalis Finance helps patients pay for surgery at hospitals and clinics across the UK, from hip and knee operations to cosmetic and weight loss procedures. Rather than paying the whole cost up front, you spread it into fixed monthly payments. You apply through your hospital or clinic, and the application takes under 60 seconds.
Healthcare finance specialists with over 15 years’ experience.
What surgery costs, and how finance spreads it
Private surgery in the UK varies widely in price. As a guide, a hip or knee replacement typically costs £10,000 to £16,000, a hernia repair £2,000 to £4,000, cataract surgery £2,000 to £4,000 per eye, cosmetic procedures such as a tummy tuck or breast surgery £3,500 to £9,000, and weight loss surgery £8,000 to £15,000. Every hospital prices differently and every case is different, so the quote you agree with your provider is the figure that counts.
Finance turns that quote into a fixed monthly payment over a term of 3 months to 5 years. The price of your operation doesn’t change; the way you pay it does.
The kinds of surgery you can finance
Chrysalis works with private hospitals, surgical groups, dental practices and specialist clinics right across the UK, so almost any planned procedure can be paid for the same way. You agree the quote with your provider, then spread it into fixed monthly payments instead of finding the whole amount up front. Every treatment we finance is listed below, grouped by the part of the body it treats, with the typical UK price range so you can see roughly what you are planning for. The number that actually counts is the written quote from your own hospital, clinic or practice, because price depends on the surgeon, the hospital, the anaesthetic and how much your particular case needs doing.
Indicative range £2,500 – £8,500
Enlargement with implants typically runs £3,500 to £8,000 and an uplift £4,000 to £8,000, with removal and replacement priced separately again. Male chest reduction usually falls between £3,500 and £6,500.
Breast implants and enlargementBreast upliftGynaecomastia (male chest)
Indicative range £2,500 – £15,000
A tummy tuck generally costs £4,500 to £9,000, a BBL £4,000 to £8,000 and liposuction £2,500 to £6,000 depending on the areas treated. A mummy makeover combining several of these in one operation usually lands between £8,000 and £15,000.
Indicative range £2,000 – £12,000
Eyelid surgery typically costs £2,000 to £4,500, rhinoplasty £4,000 to £8,000 and a facelift £6,000 to £12,000, with combined procedures quoted as one price. Hair transplants run £3,000 to £10,000, driven mostly by how many grafts you need.
Indicative range £300 – £4,000
Labiaplasty typically costs £2,000 to £4,000, inverted nipple correction £1,500 to £3,000 and split earlobe repair from around £300 per ear. These are short, often day-case procedures, so the finance terms tend to be shorter too.
Indicative range £5,000 – £9,000
Chest surgery privately tends to run between £5,000 and £9,000, with breast augmentation and facial procedures priced by what is combined in one operation. Because these pathways are often staged over a couple of years, people frequently finance one stage at a time rather than the whole plan at once.
Indicative range £2,000 – £16,000
A private hip or knee replacement typically costs £10,000 to £16,000 and a hernia repair £2,000 to £4,000. These are the operations people most often finance to avoid a long wait, so ask what the package includes: physiotherapy and your overnight stay are not always in the headline figure.
Indicative range £100/month – £15,000
Weight loss surgery such as a gastric sleeve or bypass generally costs £8,000 to £15,000, including the aftercare and dietetic support that follows it. Prescribed injection programmes are charged monthly instead, commonly £100 to £250 a month depending on the medication and your dose.
Indicative range £1,500 – £4,500 per eye
Laser vision correction is usually £1,500 to £3,500 per eye depending on the technique, while lens replacement and cataract surgery sit closer to £2,000 to £4,500 per eye. Most clinics quote per eye, so check whether the price you have been shown covers one or both.
Indicative range £150 – £18,000
A single dental implant typically costs £1,500 to £3,000 including the crown, with full mouth implants from £6,000 to £18,000 depending on the system. Dentures run £500 to £2,500, veneers £150 to £1,000 per tooth, and clear aligners £1,500 to £5,000.
Dental implantsVeneers and cosmetic dentistryDenturesInvisalignBraces and straighteningAll dental finance
Indicative range £50 – £3,000
Injectables are commonly £150 to £400 per syringe and skin or laser treatments £100 to £500 a session, with a planned course anywhere from £500 to £3,000. Laser hair removal courses usually total £500 to £2,500, and tattoo removal runs £50 to £300 a session over six to twelve sessions.
Non-surgical aestheticsLaser hair removalTattoos and removal
Priced per cycle or per device
Fertility treatment is quoted cycle by cycle rather than as one figure, and hearing care is priced by the device and the care plan around it. Both are financed on exactly the same terms as surgery, so you spread the cost you have actually been quoted.
Whichever page you land on, the process behind it is identical:
- Real UK price ranges, so you can sanity-check a quote before you commit to anything.
- A soft search first, which shows you where you stand without leaving a mark on your credit file that other lenders can see.
- Fixed monthly payments over 3 months to 5 years, agreed before you sign, so the amount leaving your account never changes.
- An application that takes under 60 seconds, completed with your clinic at the point you decide to go ahead.
All figures on this page are typical private UK ranges gathered to help you plan, not quotes. Your hospital, clinic or practice sets its own prices and will confirm your final cost in writing before any finance is arranged.
Finance options for your operation
Your hospital or clinic chooses which finance products it offers from the Chrysalis range. Many offer interest free options, where you repay exactly what your surgery costs. Interest bearing plans over longer terms are also available, which can bring the monthly payment down for larger amounts. Terms run from 3 months to 5 years.
Am I eligible for surgery finance?
You need to be over 18, a UK resident, and able to afford the monthly payments comfortably. Every application starts with a soft search, which shows your likelihood of acceptance without affecting your credit score. Lenders weigh affordability, your income and outgoings, alongside your credit history, whether you are employed, self-employed or retired. Because the plans available depend on which hospital or clinic is treating you, we check eligibility once we know where you are being treated. Tell us the provider and we will confirm what is available to you.
Getting started is simple
Applying takes under 60 seconds through your clinic or practice, and a soft search shows your likelihood of acceptance before anything touches your credit score.
01
Agree your plan
Agree your procedure and its price with your hospital or clinic, so you know the exact amount you need.
02
Apply in 60 seconds
Complete the Chrysalis application, which takes under 60 seconds, starting with the soft search.
03
Treatment goes ahead
Once accepted, your provider books your operation and is paid directly. You repay monthly.
04
Repay monthly
You repay in fixed monthly instalments over the term you chose, from 3 months to 5 years.
Find a hospital or clinic
Enter your postcode to see the three providers nearest to you that offer treatment with Chrysalis Finance.
