We explain it in under a minute
Dr. Martín Gastón explains how 12-month interest-free financing works with Medicina Financiera S.L. and what your closed estimate covers.
Subject to assessment and prior approval by the financing entity under Spanish Law 16/2011.
Finance your procedure for up to 12 months interest-free
Through our partner entity Medicina Financiera S.L. you can split the cost of your plastic surgery into easy monthly instalments with no interest (TIN 0% · APR 0%). Subject to assessment and prior approval by the financing entity.
Advertising information. Approval of the loan and its final terms depend exclusively on the financing entity, following an individual creditworthiness assessment under Spanish Law 16/2011 on consumer credit contracts.
4 steps to finance your procedure
Free consultation
Attend your consultation with Dr. Martín Gastón Álvarez and receive a closed written quote.
Online application
Fill in a short form with the details required by Medicina Financiera S.L., either at the clinic or from home.
Reply within 24-48 h
The entity reviews the application and communicates approval or denial in line with consumer-credit regulations.
Signing and scheduling
Once approved, you sign the contract with the entity and we schedule your surgery date.
Mandatory financial information
Pursuant to article 9 of Spanish Law 16/2011 on consumer credit contracts, below is a representative example of the 12-month financing offer at 0% TIN / 0% APR.
| Loan amount | €1,000 |
| Term | 12 monthly instalments |
| Nominal interest rate (TIN) | 0.00 % fixed |
| Annual Percentage Rate (APR) | 0.00 % |
| Monthly instalment | €83.33 |
| Opening fee | €0 |
| Total amount payable | €1,000 |
| Amortisation system | Equal instalments (French) |
Indicative example. The final terms (amount, term, instalments and fees) will be those set by the financing entity in the contract following an individual creditworthiness assessment. The operation is subject to approval by Medicina Financiera S.L.
What you need to apply
- Be of legal age and resident in Spain
- Valid Spanish ID (DNI or NIE)
- Recent proof of income (payslip, pension or self-employment statement)
- Bank account in your name
- Surgery quote issued by Natural Fit
What you can finance
- Surgeon's medical fees
- Operating theatre, anaesthesia and hospital stay
- Materials and implants specific to the surgery
- Post-operative check-ups included in the quote
- Nutrition and post-surgical training plan under the NATURAL FIT® methodology
Financing FAQ
Who grants the financing?
Financing is granted by Medicina Financiera S.L., an entity specialising in healthcare financing. Natural Fit Body Contouring® acts exclusively as a prescriber of the medical service, not as a financing entity.
Are there any hidden costs or small print?
No. A 12-month plan at 0% TIN / 0% APR means you pay exactly the amount stated in the quote, split into 12 equal instalments, with no added interest. Before signing you will receive the Standard European Consumer Credit Information (SECCI) with all the contract details.
What happens if my application is denied?
The financing entity can deny the application after its creditworthiness assessment. In that case we can explore other options together (shorter terms, partial amounts or direct payment to the clinic). A denial does not affect your relationship with Natural Fit.
Can I repay the loan early?
Yes. Under article 30 of Spanish Law 16/2011 you have the right to total or partial early repayment at any time during the contract. Check the specific conditions with Medicina Financiera S.L.
Does the financing include VAT?
Medical and surgical services are exempt from VAT under article 20.1.3 of Spanish Law 37/1992. The amount to be financed is that of the closed quote issued by Natural Fit.
What if I need a term other than 12 months?
Medicina Financiera S.L. also offers longer-term plans with interest applied under its standard rates. We'll explain it to you in consultation so you can choose the plan that best fits your situation.
Start with a free consultation
We hand you a closed written quote and, if you need it, we guide you through the financing application with Medicina Financiera S.L.
- Personalised study with no commitment
- Entity reply within 24-48 h
- Up to 12 instalments at 0% TIN / 0% APR
- No down payment
Request your personalised quote
We'll call you, no commitment. Approval and final terms are decided by Medicina Financiera S.L.
By submitting you accept our privacy policy. Advertising information subject to approval by the financing entity under Spanish Law 16/2011.
Legal information about financing. Financing offered by Medicina Financiera S.L. (VAT B66025164). Natural Fit Body Contouring® (ZAAR Aesthetic and Health SLP, VAT B23948961) acts exclusively as medical prescriber and does not grant consumer credit. The operation is subject to an individual creditworthiness assessment and prior approval by the financing entity, under Spanish Law 16/2011 on consumer credit contracts and Order EHA/2899/2011 on transparency and consumer protection for banking services. The TIN and APR stated (0.00 %) refer to the advertised 12-month plan; other terms may have different TIN and APR. Before signing, you will receive the Standard European Consumer Credit Information (SECCI) with the final terms. You have the right to withdraw from the contract within 14 calendar days following its conclusion (art. 28 Law 16/2011) and to total or partial early repayment (art. 30 Law 16/2011).