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hair transplant finance

There are so many things to consider before booking a hair transplant. It’s not just about the results or the risk factors—although they are very important—it’s also about how you will pay for it. Hair transplants are surgical procedures that require top surgeons and high-quality equipment; as such, they are not cheap. The results may last forever, saving you money in the long term, but that upfront cost is no small thing.

How Much Do Hair Transplants Cost?

Before considering finance, you should know how much a hair transplant costs. Most good clinics charge between £3000 and £7000 for a hair transplant. [1] The amount of hair loss plays a big role in the overall treatment price; the fewer hair grafts you need, the cheaper it will be.

Some people go to hair transplant clinics that offer the procedure even cheaper than £3000, but this is a bad idea. When going for hair transplant surgery, you want to choose a state-of-the-art clinic with experienced surgeons, and you’ll only get that by paying the full price. A cheap hair transplant could leave you with significant scarring, an unnatural hairline, and a lack of results. It’s simply not worth it!

How Do People Finance Hair Transplants?

So, does everyone who gets a hair transplant pay the total amount upfront? Definitely not. While some people have the cash to pay for the entire treatment price instantly, most people prefer to spread the cost out over time. Thankfully, this is doable thanks to clinics offering hair transplant finance plans.

With a hair transplant finance UK plan, you don’t have to have all of the cash up front, making the procedure far more accessible. Instead of having to wait while you save up the money, you can get the transplant when you need it most—before you’ve lost more hair! You can gain a full head of locks without a moment’s delay.

Things to Be Mindful of With Hair Transplant Finance

Of course, hair transplant finance doesn’t mean you won’t pay the total cost – it simply means you pay in instalments. You should only choose the option if you are absolutely sure you can repay the payment plan comfortably each month; otherwise, you may be charged additional fees and end up in serious debt. Before you jump into a hair transplant finance plan, here are some things to be aware of and consider carefully:

Your Future Income

How stable is your income? You might be able to comfortably repay the first instalment, but what about three or six months from now? Your ability to repay the loan is what’s important here. If you have a steady, stable income, this shouldn’t be a problem for you. On the other hand, if you’re income isn’t as set in stone, you may not be the best candidate for finance.

Your Current Debts

If you have some debts that you’re currently repaying, paying off another loan may be a little too much, so think carefully about the decision.

The Interest Rate

Some hair transplant clinics offer hair transplant finance without any interest rates, meaning you’ll only pay for the cost of the procedure itself. These are the most desirable types of loans, so look for these. You don’t want to pay a very high interest rate, as that will make the total payment far more expensive than the hair loss treatment price alone!

Your Financial Past

How good are you at repaying loans? If you’ve had a couple of loans in the past and struggled to keep up with them, that’s something to think about. You don’t want to end up in a dire financial situation, so take your past experiences into account, and if you’re unsure you can handle the payments, opt against the plan.

Your Current Credit Rating

If your current credit rating is less than good, you’ll have a hard time getting accepted for a financial plan from a reputable hair restoration clinic. Your current credit rating has a definite effect on the kinds of loans you can get, so look into yours before deciding whether to apply for hair transplant finance, and if it’s poor, consider improving the rating.

hair transplant finance

The Effect on Your Credit Rating

Many financial decisions have an effect on your credit rating, and that includes financing a hair transplant. It’s a type of loan, after all. Can your credit score take a little hit? The good news is that repaying the hair transplant finance loan on time each month will actually boost your credit score, although missing payments will harm it.

Whether You Can Pay Upfront

Are you able to pay upfront? If so, this is generally a better option as it means you won’t be tied to monthly repayments. Plus, there will be no effect on your credit rating. You can get the procedure done and know that everything has been paid for.

Of course, you should also think about whether you can comfortably pay upfront – there may be genuine reasons you don’t want to dip into your savings.

The Loan Amount

How much is the hair transplant? How much will you be repaying back each month? It’s important to consider the loan amount and work out whether it’s worth it for you or not. Of course, keep in mind that cheaper hair transplants definitely aren’t the route here, as that could lead to more problems down the road.

How Long It Takes to Repay the Loan

Some people don’t like the idea of taking out a loan that takes multiple years to pay off, and you might prefer hair transplant finance that only has a year of instalments. Of course, others may want a longer loan to spread the payments out even further. Either way, it’s a good idea to take the length of the loan into account before going forward.

Being Mindful Overall

Overall, it’s about being mindful before taking out the loan. You know your finances better than anyone. Even if you really want a hair transplant, it’s important to know that you can definitely repay the loan comfortably every month – without fail. You don’t want to worsen debt and end up in a financial situation that’s difficult to get out of.

Is Financing the Best Way to Pay for a Hair Transplant?

When it comes to the best way to pay for a hair transplant, the answer is particular to the individual. A hair transplant finance loan is a good idea for those who:

  • Don’t Have the Cash Upfront
  • Have a Good Credit Rating
  • Can Easily Repay the Monthly Instalments

On the other hand, for those who may not qualify due to their credit rating or who cannot be sure of their future income, it may not be the best option. Also, people who have a lot of savings and would prefer not to take out another loan may choose to use the cash upfront to pay for the entire procedure.

Is a Hair Transplant Worth it?

Now onto the question, is a hair transplant worth it? It’s not a cheap procedure. You don’t want to finance something that you’re not 100% sure of!

Again, this is a highly personal question, but it’s good to know that hair transplants – especially FUE hair transplants – are highly effective hair loss solutions that allow people to enjoy a full head of naturally growing hair. The success rate is very high, with reports showing there’s a 90-100% chance of the grafts surviving after the transplant, resulting in the hairs growing through. [2] You can even take a look at our patients gallery to see the significance of the results. So, if you’re looking for a hair restoration option that will provide a real, permanent solution to your hair loss – yes, it’s worth it.

Signs You’re a Good Candidate for a Hair Transplant

Not everyone is the perfect candidate for a hair transplant, so it’s a good idea to consider whether it’s right for you before committing to the procedure. Generally, hair transplants are for people over 25 who have already lost a significant amount of their hair. They are healthy individuals who also have a suitable donor area at the back or sides of their scalp.

Of course, this will also be part of the discussion during the consultation, and you’ll be able to get the surgeon’s opinion on whether you are a good candidate or otherwise.

Consider Financing a Hair Transplant with Harley Street Hair Clinic

At Harley Street Hair Clinic, we offer a range of hair transplant financing options to suit you and help you manage the hair transplant cost. One of our plans has a 0% interest rate if you pay the total amount over twelve months. We also have others that allow you to spread the cost over a longer period of time if that suits you better.

We also pride ourselves on delivering high-quality care thanks to our state-of-the-art clinic and top surgeons. If you want to start your hair journey with us, you can get in touch or download our hair track app, which gives you access to consultations. We look forward to hearing from you!


  1. https://www.gq-magazine.co.uk/article/male-hair-transplant-uk-cost
  2. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2956960/
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