How to Afford a Hair Transplant: What are the options?

Hair transplants in the UK cost an average of £6,000, and deciding how to afford a hair transplant can be tricky. For example, you might save up to pay for your procedure outright or be keen to restore your hairline as quickly as possible, with considerations about how you budget for the associated interest costs linked to most borrowing solutions.

The first piece of advice we’d give, and will always reiterate, is that switching to a cheap hair transplant provider carries significant risks. 

There is a very real chance of a substandard procedure and results, with many clients spending multiple times their original budget fixing a low-quality transplant or managing scarring and further hair loss.

KSL Clinic is pleased to offer broader access to superb-quality hair transplants performed by our accomplished surgeons. We provide clients throughout the UK with affordable payment plans, from 12-month packages with no additional interest charges to regulated loans that enable you to spread the cost by up to 60 months, helping quality hair transplants to be much more affordable.

The Costs and Variations in Hair Transplant Pricing

Hair transplants vary in pricing due to numerous factors, such as the number of grafts required, the texture and density of your natural hair, the skill and technique used by the surgeon, and the size and extent of hair loss or thinning you’d like to correct.

Research shows that costs can also differ considerably between countries, with transplants being the most expensive in Canada, Australia, and the US, with averages of £13,350, £10,500, and £10,400, respectively. [1]

In the UK, the average remains high at £6,150. Although hair transplants are not available on the NHS due to being categorised as a cosmetic procedure, [2] we are delighted to provide cost-effective, professional, high-quality hair transplants customised to you with a typical cost range of £2,500 to £6,500, alongside accessible payment plans as part of our commitment to outstanding customer service.

This guide is focused on ways to afford the highest-quality hair transplant, but understanding your initial budget and what a hair transplant will cost is step one. 

After attending a consultation with your preferred KSL Clinic location, you’ll be able to receive a more accurate, personalised quotation.

Guidance Against Selecting a Low-Cost, Low-Quality Hair Transplant Provider

Opting for low-cost hair transplants should always be avoided, particularly those performed by black-market, unregulated, or unauthorised hair transplant clinics overseas. 

Although complications post-hair transplant are rare, [3] they are far from impossible.

We have seen countless reports of incredibly poor transplant outcomes and regularly perform corrective hair transplants to manage scarring, uneven growth, incorrectly located follicles and overharvesting.

Overharvesting means that the transplant surgeon extracts too many donor follicles from one place or collects all of the necessary grafts from the same location – leading to secondary hair loss and patches. [4]

While hair transplants might be offered at a fraction of the average UK price, especially in locations such as Turkey, caution is essential to avoid being caught out or experiencing serious clinical complications.

Paying for a Hair Transplant Using Credit or Borrowing

Some clients might use personal finance products like credit cards or loans to pay for a hair transplant. However, not all banks or lending providers will consider offering credit for a private cosmetic procedure.

The issue with using credit cards or unsecured loans is that the interest rates can be extremely high. If you can pay back only the minimum each month or are tempted to do so, you could pay as much as double the original amount borrowed.

If you are considering using a credit card, we suggest analysing the interest costs carefully and having 100% confidence that you can keep up with the repayments. 

Failure to do so could significantly damage your credit score.

It’s also important to add up the cost of borrowing to get a realistic idea about how much more a hair transplant would cost if you chose this payment route.

KSL Clinic Hair Transplant Pricing and Payment Options

We do not use or advocate for buy now, pay later platforms and prefer to use our partner financing providers since we have oversight of their standards and processes and know that they uphold the same commitment to client support we are known for.

Below, we’ve outlined some initial information about paying for a hair transplant, which we’ll cover in greater detail during your consultation:

• You must pay a 20% deposit once you decide to proceed. This deposit reserves your selected surgery date and verifies that we will be ready to welcome you on the day.
• We request a 30% instalment two weeks in advance, which means you pay for half of the cost before the hair transplant but can use varied options to cover the remaining 50% balance.

Of course, you can also choose to pay upfront, but note the caveats associated with some forms of borrowing and the need to ensure you are completely clear about the interest charges you will expect to pay.

Next, we’ll summarise our 12-month interest-free options and extended financing solutions available for up to 60 months, but you’ll find more details on our Financing Pages.

Interest-Free Payment Plans From KSL Clinic

As a leading UK hair transplant provider, we have long offered the option to pay for 50% of your procedure over a 12-month period without credit checks and with no interest to pay.

Interest-free payment plans are subject to availability. To apply, you must have an income, be at least 18, and live in the UK. We’ll also need to verify your ID to comply with due diligence rules.

Discover information about Interest-Free Hair Transplant Payment Plans.

Longer-Term Payment Options to Spread Your Hair Transplant Cost By Up to 60 Months

A further option is to use our verified, credible lending partners who offer specialist financing to help with the costs of a hair transplant, with the ability to spread the cost of your procedure into monthly instalments lasting from 12 months and up to 60 months, depending on your preferences.

Our partners, TABEO, are experts in healthcare payment solutions, and the application process takes just two minutes. 

You’ll hear back within five minutes to confirm whether you are eligible, and you can complete the application before or after your consultation to ensure you make informed decisions throughout.

However, most clients book a consultation initially and then explore the financing options before moving forward. Your surgeon will offer a finance link following this discussion, which you’ll be able to access from any device.

Learn more about Payment Plans with TABEO to cover your hair transplant procedure.