Financing with full knowledge of the facts Questions and answers about our financing options

In principle, anyone who has a regular, monthly income are eligible to apply for finance. As well as employees, we also offer finance to the self-employed and freelancers who have been self-employed for at least one year. Apprentices and students can also apply for finance.

To be approved for 4beauty funding, you must meet the following criteria:

• If you are an employee, your identity card and your debit card are sufficient for financing up to €5,000 completely. From a height of over €5,000 In addition to your identity card and your debit card, we also need a recent payslip.
• Self-employed people and freelancers can also apply for 4beauty financing. For financing up to an amount of 5.000 € proof that you at least one year are self-employed. As proof, we require a copy of your business registration or an extract from the commercial register. For loans of over €5,000, you must at least two years be self-employed. In this case, in addition to your business registration or extract from the commercial register, we will also need a current income tax assessment or a business analysis (BWA) certified by your tax adviser.

Yes, in principle, apprentices and students can also apply for funding, provided they have a regular income have.

No, it is not possible to submit a joint application with a co-applicant or partner.

4beauty financing is available for treatment costs starting from 1.000 € usable.

It’s very straightforward! Simply fill in the application form, or download the online application form as a PDF. Once you’ve completed and signed the form, please return it to us along with copies of your identity card and debit card, showing both the front and back of each. We will then check on the same day We will process your financing application and, once it has been successfully approved, send you the loan agreement. We’ll take care of everything else for you!

You will usually receive on the very day you made your enquiry a funding commitment.

Once the check has been successfully completed, we will usually pay the amount within 2 days directly to your treating doctor, your doctor’s surgery or clinic.

Treatment must be carried out by a doctor who is registered with 4beauty as official partner doctor is conducted.

For treatment in Austria Financing can be arranged directly through 4beauty. We can facilitate financing in other countries in cooperation with agencies – we currently offer this service for the Turkey and the Czech Republic.

Yes, provided your treating doctor or the clinic providing your treatment agrees, several treatment sessions can also be covered by the financing scheme.

In such cases, the financing agreement that has been concluded may be rescinded at any time.

Yes, 4beauty’s finance scheme and follow-up costs insurance are two separate products that can be combined without any problems – in fact, we strongly recommend doing so. The finance scheme covers the cost of the treatment, whilst the insurance protects you against any follow-up costs should complications arise.

Yes, consumer loan agreements are subject to a statutory 14-day right of withdrawal from the date of conclusion of the contract or receipt of the contract documents (Section 495 of the German Civil Code (BGB) in conjunction with Section 355 of the German Civil Code (BGB)).

4beauty offers the option of financing with a term of a maximum of 72 months to take out. The fixed interest rate is 9.99 % p.a.; Extra repayments or early repayments are possible at any time. The instalment payable is calculated on a case-by-case basis, depending on the amount to be financed and the term of the loan.

The bank receives no collateral or security in return for financing cosmetic surgery, as the treatment cannot be reversed. To offset this risk, the interest rate is higher than for a mortgage or car loan, where the bank always has collateral available. However, we at 4beauty offer you an interest rate that up to 2.5 % below than that of the other providers.

Yes, additional repayments and full early repayment are possible at any time.

The maximum funding amount at 4beauty is currently 30.000 €.

No, there are no additional charges other than the interest rate with 4beauty financing.

No, you don’t need to pay a deposit – the treatment will be 100 per cent financed by %.

If you are unable to pay an instalment on time, please contact the lending bank directly to discuss your specific circumstances.

Yes, you can change the payment date: In Germany, select on the 1st or 15th of each month, in Austria the 15th or 30th of each month.

Yes, as with most credit products, we also need to obtain a credit report from SCHUFA in order to process your finance application.

Our decision depends on the individual case. We assess each case on its own merits to determine whether we can still offer you financing, even if you have had negative credit entries in the past that have since been resolved.

The documents you have submitted will be used solely for the purpose of assessing your application for financing and will be treated in confidence in accordance with the statutory data protection regulations (GDPR).