Flexible Interest Free Payment Options For Eligible Patients

NewYou Flex provides regulated credit arrangements that may allow eligible patients to manage the cost of high value procedures over time through structured instalments. No interest is charged on approved arrangements. Fees apply and are disclosed before agreement.
All medical advice, procedure selection, and pricing are provided solely by independent surgeons.
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Disclosure: Australian Credit Licence holder. Fees apply. Eligibility and terms apply.
0% Interest
No Loans
Approved Melbourne Surgeons
Interest Free Payment Arrangements Available
Regulated Austalian Credit Provider
Indicative Approval Ranges Aligned With High Value Procedures
Independent Surgeons and Clinical Decision Making
The Problem

Major Surgeries Require Careful Planning

For many patients, the consideration is how to plan and manage payments in a structured and informed way, alongside independent medical advice and consultation.

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The Solution

NewYou Flex Offers Regulated Credit Arrangements

NewYou Flex is an Australian Credit Licence holder that provides regulated, interest free credit arrangements to eligible patients who wish to manage the cost of major cosmetic and reconstructive procedures through structured instalments. These arrangements are subject to assessment, eligibility, and terms.

No interest is charged on approved arrangements. Fees apply and are disclosed before any agreement is entered. NewYou Flex does not provide medical advice, recommend procedures, or determine surgical pricing. All clinical decisions and outcomes are determined solely between patients and their independent surgeons.

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How It Works

We’ve designed a clear, structured process so you can understand how NewYou Flex operates and decide whether a regulated credit arrangement may be suitable for you. Each step is separate, transparent, and subject to assessment.
1

Eligibility Check (Indicative Only)

Complete a short assessment to understand whether you may be eligible for a NewYou Flex credit arrangement. This initial assessment is indicative only and does not guarantee approval. You’ll receive general information about how our credit arrangements work and what happens if you choose to proceed.
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2

Independent Surgical Consultation

If you wish to proceed, you consult directly with an independent surgeon to discuss medical suitability, procedure options, risks, and pricing. All medical advice, procedure selection, and cost information are provided solely by your surgeon. NewYou Flex does not provide medical advice or recommend procedures.
Important note
Consultation fees and clinical decisions are independent of NewYou Flex and may be incurred even if you do not proceed with a credit arrangement.
3

Final Assessment and Credit Agreement

If you decide to proceed following consultation, NewYou Flex completes a final credit assessment based on the confirmed procedure scope and cost. If approved, you will receive all required disclosures, including fee information and credit documentation, before entering into any agreement. Approval is subject to terms and eligibility and may change if circumstances change.
If you would like to understand whether a NewYou Flex arrangement may be available to you, you can begin an indicative eligibility check at any time.
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A Structured, Interest-Free Credit Option

Many patients explore different ways to manage the cost of major cosmetic and reconstructive surgery.

Traditional credit products may involve:

Interest charges

Fixed contract terms

Ongoing repayment obligations

Major surgery is a considered decision and requires careful financial planning alongside independent medical advice. NewYou Flex was designed for individuals who are financially capable but prefer a structured and transparent way to manage payments over time.

NewYou Flex provides regulated, interest-free credit arrangements to eligible patients, subject to assessment and terms. Fees apply and are disclosed before any agreement is entered.

This approach offers:

Clear and transparent terms

A structured and predictable instalment schedule

No interest charged on approved arrangements

It’s not about changing the decision. It’s about understanding your options clearly.

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Your Essential Questions Answered

Below are answers to common questions about how NewYou Flex works. If you need further information, you can contact our support team for general assistance relating to our credit arrangements.
Is this a loan?
Is interest charged?
Who provides medical advice?
Where are surgeries performed?
What procedures are supported?

Important Information

NewYou Flex is operated by an Australian Credit Licence holder. Payment arrangements offered by NewYou Flex may constitute credit or deferred payment arrangements under Australian law. No interest is charged on approved arrangements.

Fees may apply and are disclosed before you enter any agreement. Eligibility assessments are indicative only and may be reassessed at any time, including after consultation with an independent surgeon or if circumstances change.

NewYou Flex does not provide medical advice, recommend procedures, or determine surgical pricing. All medical advice and clinical decisions are provided solely by independent surgeons.

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Credit Disclosure

NewYou Flex holds an Australian Credit Licence and complies with the National Consumer Credit Protection Act.

If you proceed with a credit arrangement, you will be provided with all required documentation before entering any agreement, including a Credit Guide, credit contract, and applicable disclosures relating to fees and obligations.

Credit Guide Summary

This Credit Guide outlines your rights and obligations when dealing with NewYou Flex as a licensed credit provider.We are required to act efficiently, honestly, and fairly, and to assess suitability before offering any credit arrangement.

If you have a concern or complaint, you may access our Internal Dispute Resolution process. If your matter is not resolved, you may escalate it to the Australian Financial Complaints Authority.
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AFCA
Website www.afca.org.au

Target Market Determination Summary

This product is designed for consumers who are seeking interest free credit arrangements to manage the cost of high value cosmetic or reconstructive procedures and who meet the eligibility and suitability criteria set out in the Target Market Determination. The Target Market Determination is available on request or via the relevant disclosure page.

Complaints and AFCA

If you have a complaint relating to fees, eligibility decisions, or payment obligations, you may contact our Internal Dispute Resolution team using the details provided on this website.If your complaint is not resolved to your satisfaction, you have the right to escalate the matter to the Australian Financial Complaints Authority.

AFCA
Website www.afca.org.au
‍A clear and transparent way to understand your payment options