Beautifi is a Canadian financing company that helps people pay for elective medical procedures over time instead of all at once. That includes a wide range of treatments such as cosmetic and plastic surgery, non-surgical aesthetic treatments, dental and smile makeovers, weight loss and bariatric procedures, fertility treatments, vision and eye care, and more.
If your treatment is considered an elective medical procedure and the total is at least $1,000, there’s a very good chance Beautifi can help finance it. If you’re ever unsure whether your specific procedure is eligible, you can check the procedures page or reach out directly to the support team for clarification.
Beautifi offers open loans starting at $1,000 and going up to $50,000, giving you flexibility whether you’re financing a smaller treatment or a more comprehensive procedure.
Repayment terms range from 6 months to 6 years, so you can choose a plan that fits comfortably into your monthly budget. Because the loans are open, you’re not locked in—you can pay extra or pay off the full balance at any time without penalties. The idea is to let you spread out the cost of your procedure while still giving you control and flexibility over how quickly you want to be debt-free.
Beautifi offers fixed interest rates, which means your rate does not change over the life of your loan. Your monthly payments remain predictable from start to finish, making it easier to budget and plan around your financing.
All Beautifi loans are also open loans, which gives you full flexibility to repay sooner if you’d like. You can make extra payments, increase your payment amount, or pay off the full balance early without any penalties. This way, if your financial situation improves or you simply want to be debt-free faster, you’re rewarded—not punished—for paying your loan down ahead of schedule.
Beautifi is purpose-built for elective healthcare, so approvals are faster and simpler than bank loans. It typically requires no collateral and offers predictable monthly payments sized for procedure costs. Funds are paid directly to your clinic, with flexible terms and healthcare-savvy support that handles quotes and rescheduling. Eligible plans can cover related expenses, and there are no prepayment penalties. Bottom line: banks are general credit; Beautifi is streamlined for medical and aesthetic financing.
Many people initially think of putting their procedure on a credit card, but credit cards often come with high, compounding interest and no clear end date. With Beautifi, you get a fixed interest rate, a set term, and funded amounts designed specifically for medical and cosmetic procedures. That means you know exactly how long you’ll be paying and what your monthly payment will be, instead of a balance that lingers and grows.
Using Beautifi also helps you avoid tying up your credit card limit, so you still have your card available for everyday purchases, emergencies, or travel.
If you have little or no credit history, you can apply with a co-signer whose stronger credit profile may help you get approved. The co-signer shares responsibility for the loan and is equally obligated to make sure it’s repaid.
Already had a positive experience and considering another procedure? You can have more than one Beautifi loan—you just go through the same application process again for any new financing you need.
Applying is done online and is designed to be quick and secure. You simply click “Apply Now” in the top right corner and follow the prompts to complete your application.
If you prefer help over the phone, you can call 1-800-969-7034 and a Beautifi representative can walk you through the application process step by step. Have specific questions or want written guidance? You can also email the team at customersuccess@beautifi.com.
Whether you apply on your own or with support, the goal is to make the process smooth, clear, and stress-free.
No, there’s no cost to apply with Beautifi. You can submit an application or seek an approval decision for free—there are no application fees or upfront charges just to see what you qualify for.
Applying also does not impact your credit score. One of the core benefits of Beautifi’s platform is that you can check available rates and options without worrying about hurting your credit. That means you can explore your financing choices, compare monthly payments, and decide if it’s right for you with total peace of mind.
You do not need to have a provider chosen yet to get started. Beautifi can pre-approve your loan even if you haven’t selected a doctor, clinic, or service provider. This can be helpful if you want to understand your budget and financing options before you book consultations or commit to a specific clinic.
You can also explore clinics and doctors using Beautifi’s Find a Provider page to discover trusted providers and compare your options.
Yes, you can still apply even if you’re new to credit. Beautifi reviews each application individually, considering more than just your credit score. If your history is limited, adding a co-signer can help strengthen your application and may qualify you for better loan terms.
If your application isn’t approved, Beautifi provides guidance on how to strengthen your profile and reapply in the future. There’s no penalty for applying again, and your credit score isn’t affected by the initial application.
Yes. You’re not forced to finance the full amount of your procedure. If you’d rather pay part in cash, use savings, or combine with another payment method, you can choose to borrow only the portion you need through Beautifi.
This flexibility lets you customize how you pay: for example, you might cover a smaller portion upfront and finance the rest, or use Beautifi to top up what your budget or other financing options don’t cover. The goal is to make the total cost more manageable without limiting you to an “all or nothing” approach.
Once your loan is approved and you’re ready to proceed, Beautifi sends payment directly to your doctor or service provider. You don’t have to handle the funds yourself.
The timing of the payment is coordinated with your provider’s preferences and typically happens between one day and six weeks before your procedure. This ensures your clinic or provider is paid on time while you focus on preparing for your treatment, not on managing the logistics of payment.
If your procedure is postponed or cancelled, Beautifi works with your provider to adjust or cancel the loan agreement before funds are finalized—keeping your financing stress-free.
If the provider you want to work with isn’t currently registered with Beautifi, that’s not a roadblock. You can simply let Beautifi know who your doctor or clinic is.
Beautifi will then reach out to your preferred provider, explain how the financing works, and give them the opportunity to register. This means you don’t have to switch providers just to access financing—you can often keep your first choice and still use Beautifi to make the cost more manageable.
Yes—Beautifi offers 0% financing with select partner clinics, subject to credit check and application approval. Availability and terms vary by provider and loan length, so check with your clinic or Beautifi for current promotional offers and eligibility details.
Yes, Beautifi accepts applications from self-employed and freelance individuals. You may just need to provide proof of consistent income through bank statements or tax documents.
Currently, Beautifi financing is available only for procedures performed within Canada. However, you may be able to use Beautifi if your chosen clinic has a registered Canadian location or affiliate partner. Always confirm with your provider and Beautifi before booking.
Yes, Beautifi works with a wide range of credit profiles. Even if your credit isn’t perfect, you may still qualify based on your income, employment, and financial history. The application process is quick, with flexible options that make elective healthcare more accessible across Canada.
Yes. If you’re applying with a partner or family member, Beautifi can review a joint application or co-signed loan to increase approval chances and qualify for better terms.
Beautifi uses bank-level encryption and secure servers to protect your personal and financial information. Your data is never shared with third parties without consent, ensuring your application and payments remain private and secure.
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