It is an undeniable fact that rhinoplasty has gained prominence as one of the most popular cosmetic surgery procedures.

In fact, according to the 2012 Plastic Surgery Statistics Report of the American Society of Plastic Surgeons (ASPS), rhinoplasty ranks as the second top cosmetic surgical procedures performed. Similarly, rhinoplasty in Australia has significantly increased along with cosmetic surgery in general with a 10% increase according to the Australian College of Cosmetic Surgery (ACCS) in 2010.

Nose jobs, as what the procedure is most commonly known, create wonders in improving the overall appearance of the face. Even a tiny tweak can make a huge difference aesthetically. Apart from that, those with breathing problems certainly find better relief after getting their nose done. It is actually for these reasons why rhinoplasty has gained its popularity among cosmetic surgery patients.

The Money Problem

But, this popular procedure comes at a price and does not come cheap. A rhinoplasty in Sydney would typically cost between $8,000 to $12,000. That is a hefty price considering an average income of a full-time employee in Australia based on the 2013 data is $72,800 per year. Out of that income, you would have to deduct necessary expenditures for daily living, like food, clothing, monthly bills and emergency funds. Aside from that, most insurance companies do not cover this type of procedure, especially if it is done for cosmetic purposes.

The Financing Solutions

So, if you are one of those who are dying to get a nose job, how do you squeeze in to your budget the payment for this procedure?

Do not worry. There are a number of financing options available for you in getting a rhinoplasty done.

Health Care or Medical Credit Cards

Health Care or Medical Credit Cards have become an increasing trend as a financing option for elective medical procedures, like plastic surgeries. Medical credit cards allow you to free up using your income, savings and other credits with convenient minimum monthly payments and reasonable interest rates. Another great thing about these medical credit cards is that you can use and reuse these for multiple procedures.

Most of the medical credit card providers have a relatively easy application process, which means you can secure this financing option easily so that you can get the procedure done as soon as you get approved. However, it is always best to research the right provider that will provide you with a scheme that is suitable for you. This is a booming industry, which means others may have better terms and conditions that will be beneficial for your finances in the long run.

Regular Credit Cards

If looking for a medical credit card provider is a hassle for you, you can always rely on your credit cards to pay up for your rhinoplasty procedure. Take advantage of 0% interest installment offerings of your credit card company, if any. This will allow you to spread out the repayment schedule, which will make it easy on your pocket. Also, it will help you build your credit rating, which is very important for your financial health.

Just a thought to be reminded of, if you do take advantage of the 0% interest offerings, make sure that you pay up on time. Delayed monthly payments can result to you paying a very high interest rate, which can actually make you pay more than what the procedure actually costs.

Bank Loans

Another option to pay up for your rhinoplasty procedure is to secure a loan from a bank or a credit financing institution. They usually have fixed repayment terms and interest rates.

Loans from Friends and Family

But if approaching financial and credit institutions does not suit you well, you can borrow from a trusted friend or family member. You can always discuss a more flexible payment terms and, if you are lucky, they may even lend you money without interest.

However, just a caution, remember that this option can result to very serious consequences in case you may not be able to pay up the borrowed money. More than the money itself, you may risk losing the trust and faith of a close friend or family member. So, make sure that when you choose this option that you are confident that you can pay up the borrowed money and not ruin a relationship with it.


There are a lot of rhinoplasty patients who have planned about getting the procedure done way ahead. As part of this plan, they have already secured the finances and saved up money for this procedure. Using your savings, not intended for emergencies, is probably one of the best and wisest options to pay for a nose job.

You do not need to worry about interests, repayment schedules and messing up your credit ratings. You can literally breath a sigh of relief after the procedure knowing that you have already taken cared of it and not worry about it anymore.

Clinic In-house Financing

But for those whose savings may not be enough or are afraid of taking loans, you can always discuss with your surgeon if they offer in-house financing for rhinoplasty.

A lot of rhinoplasty surgeons offer convenient payment plans and are willing to work around with patients. Some even offer a payment scheme with no or very minimal interest rates, as compared with financing and credit institutions.

So aside from being candid with your doctor about how the procedure will work, do not be afraid to talk over the payment options during your free rhinoplasty consultation in Sydney.

If you are in Sydney and pondering about getting a rhinoplasty done, Dr. Andrew Kim of the Advance Cosmetic Beauty Surgery will discuss with you the best way for you to know about getting the procedure done that will work with your budget and your capability to pay.

So, if you want to know more about getting a rhinoplasty and the financing options available, schedule and a free consultation at