Beautifi logo Beautifi Review 2026

QUALITY LENDER CUSTOMER FAVOURITE What these mean ›
★★★★★ 5.0 · 8 borrower reviews
Beautifi finances procedures: $1,000 to $50,000 at rates from 7.5% APR over 6 to 72 months, with funding within 24 hours of approval. The published test is two numbers deep, a credit score of 600 and income of $2,500 a month, resting on citizenship or permanent residency. Valid government ID and a void cheque complete the file, and all provinces and territories are served.

Apply Now Check if I Qualify ↓

Rates checked August 24, 2026
In business
Since 2022
Customers served
4000+
Provinces
13 of 13

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov

Best for

Financing a procedure at fixed instalments, with rates from 7.5% for the strongest files

Not for

Applicants below the published 600 credit score or $2,500 monthly income

What we like

  • Purpose-built for cosmetic and medical procedures
  • Funding within 24 hours of approval
  • Terms stretch to 72 months

Where it could improve

  • Both published tests are hard numbers, 600 and $2,500
  • Rates climb well above the floor for weaker files

Products offered

Each product is priced separately. Compare them below.

Beautifi instalment loan
Unsecured · All of Canada
Apply Now
Amount
$1,000 - $50,000
Rate
From 7.5% APR
Terms
6 - 72 months
Funding
1 day
Min income
$2,500/mo
Good to know: Minimum credit score 600.

See if you qualify

Four questions checked against Beautifi's published criteria, per product. No application started.

Answer the questions to check Beautifi's published criteria
Educational check against published criteria. Not an approval or offer.

Eligibility and documents

Financing a procedure through Beautifi means clearing a 600 score and an income floor, with citizenship or permanent residency underneath both.

Who qualifies

Residency
Canadian citizen or permanent resident
Age
Age of majority in your province
Minimum credit score
600
Where it lends
All provinces and territories

What you need to apply

  • Valid government issued ID
  • A void cheque

Contact Beautifi

Get in touch

Support and hours

  • Mon-Fri8AM EST - 8:30PM EST <br> Sat: 9AM EST - 7PM EST
  • ChannelsCall Centre, Email, Social Media, Online Chat, Blog

Awards earned by Beautifi

Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.

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Vetted lenders that are listed on Smarter Loans

CUSTOMER FAVOURITE badge Customer Favourite

High click-through and engagement rates from Smarter Loans visitors

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Borrower reviews

8 reviews from borrowers who used Beautifi. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.

★★★★★

Fast and Simple

Online process was simple and fast. Beautifi got me approved quickly and connected to a doctor. Great customer service and they did what they said they would do.

Adam
★★★★★

Beautifi

The team at Beautifi is a pleasure to deal with, and they made the whole process seamless. I was considering several companies but am so happy to have picked Beautifi! Highly recommended to anyone looking to finance a cosmetic surgery.

Nina
★★★★★

Thank you Beautifi!

Beautifi has great service, easy application process and fast response time. Thanks for taking care of me! I will highly recommend this company to friends and family.

Charlene
★★★★★

Stress-Free Experience

I was able to get my procedure done without stress. Great customer support!

Jordan Z.
★★★★★

Super Fast and Easy

Super fast and hassle-free. Would definitely use again.

Brandon C.
★★★★★

Quick Approval, Great Rates

Quick approval and great rates. Beautifi made it easy.

Amir H.
★★★★★

Super Smooth Process

The whole process was super smooth. Highly recommend Beautifi for cosmetic financing!

Chris P.
★★★★★

Quick Approval, Great Rates

Quick approval and great rates. Beautifi made it easy.

Derek W.

Common questions about Beautifi

What is Beautifi?

Beautifi is a Canadian company that helps people finance elective surgeries and medical procedures. They offer affordable, flexible loans to cover procedures like cosmetic surgery, fertility treatments, dental work, and more.

How does Beautifi work?

Beautifi allows you to choose your physician, procedure, and procedure date, all with the comfort of knowing your financing has been approved. The entire process is done online, making it simple and secure. Once approved, Beautifi pays the medical professional directly, so you can focus on your treatment.

Is Beautifi safe to use?

Yes, Beautifi offers a 100% online experience that is both simple and secure. With competitive rates and no hidden fees, they are a trusted provider of financial solutions for elective procedures in Canada.

How much can I get a loan for?

Beautifi offers loans ranging from $1,000 to $50,000+, depending on the procedure and your financial needs. They provide flexible terms ranging from 6 months to 72 months to ensure affordable monthly payments.

What types of procedures does Beautifi finance?

Beautifi finances a wide range of elective procedures, including cosmetic surgeries (like liposuction and breast augmentation), fertility treatments, dental work, and more. They have a library of professionals and expected costs to help you find the right provider for your procedure.

Does Beautifi recommend surgeons or doctors for treatments?

Yes, Beautifi offers a directory of surgeons and doctors who perform the procedures they finance. You can browse profiles that include information on location, contact details, and costs.

Why do people use Beautifi?

People use Beautifi because they offer affordable, flexible payment plans with no upfront costs. Their process is quick and easy, with approvals in seconds, and they allow you to repay your loan early with no pre-payment penalties.

Are there any pre-payment penalties with Beautifi?

No, Beautifi has no pre-payment penalties. You can repay part or all of your loan at any time without facing any additional fees.

How fast can I get approved for a loan?

Beautifi offers fast approval—your application can be completed online in minutes, and you can be approved within seconds. Once approved, funds are typically sent within 24 hours.

What are the repayment terms with Beautifi?

Beautifi offers flexible repayment terms ranging from 6 months to 72 months. Monthly payments are fixed and affordable, designed to fit within your budget.

Beautifi · $1,000 - $50,000 · funding in 24 hours Apply Now