While patients can begin the financing process at the clinic, approvals and funding typically take at least 4 hours. We recommend patients apply in advance when possible, to allow time for review and ensure they can proceed with their appointment stress-free.

Patients receive an instant loan approval decision upon application submission. Beautifi will call the patient within 1 business hour and can be ready to fund a treatment within the same day. If the patient submits an application via the merchant led link, our customer care team will call them within 5 minutes (during business hours). Approvals may take longer if we require a co-signor or additional information.

Approvals are based on an applicant's creditworthiness, income, debt-to-income ratio, employment history, and other financial factors. Credit score and income are the two main factors in determining approvals and interest rates offered.

On average, more than 75% of patients are approved for a loan with Beautifi. The remaining 25% are referred to our sub- prime partner, Spring Financial, who will typically approve about half of the applicants.

While Beautifi has no set minimum income, patients with less than $2,500 in monthly pre-tax income will typically not qualify for a loan.

Beautifi will typically approve patients with a credit score of 525 or higher. Patients with a credit score below 600 will likely be referred to our sub-prime partner for approval

Beautifi pays the clinic directly via EFT or cheque. Payment is issued in advance of the service or treatment, and confirmation is sent to the clinic via email once the funds have been deposited.

Patients should apply for financing as far in advance of their appointment as possible so they can attend their consultation with the peace of mind that financing has been approved.