When one talks about financing, the most common variable is some type of collateral. When you finance a home or a car, if you do not pay, you loose the car or home. However when you decide to finance a plastic surgery procedure, there is no collateral, they cannot repossess your face if you do not pay, therefore any loan to have a procedure done would be considered an unsecured loan, or a signature loan as it is more commonly referred to.
From that point, it comes down to the normal ins and outs associated with any loan application which includes things like your income and expenses, do you own or rent and of course the big one, what is you credit rating.
Unfortunately if you have never used credit, then chances are you will not qualify for a plastic surgery loan. Since it is a signature loan, you will usually need to have a 700 or better credit rating although many other factors maybe in play that may help or hurt your chances.
Just like taking out any loan, you also need to sit down and figure out if you can afford to make the payments and if so, how much can you reasonably afford to pay every month. If you have any experience in taking out a loan in the past, you will know that the lender will try to push you to take a higher monthly payment to save you interest, but at what cost. At the cost of your ability to take any future loans.
There are many companies and financial institutions that are more than willing to offer specialized plastic surgery loans to those who may not have a high enough credit score to take a loan from a bank. These companies deal especially in higher risk unsecured credit like credit cards. Matter of fact, the credit card giant Capitol One offers plastic surgery loans among other things. Like any other loan or use of credit, make sure that you understand what you are getting into before you make the final decision to dive into the plastic surgery loan process.