0% Finance

Does cost issue stop you getting right dental treatments?

Don’t worry, we offer Interest-free and low cost payment plans to make it affordable. Are you one of the hundreds of patients considering cosmetic dental treatment, orthodontic or dental implant ? Have you avoided dentists for a long time and you may need a lot of treatments? Then this service may be suitable to you. It enables you to get the right treatment in the right time to avoid much more extensive and expensive care in the future. For more complex treatment plans (from £1000) you may wish to take advantage of our interest free loan to spread the costs of your dental treatment over 6 or 12 months. (Term & condition apply).

Your questions answered

Who can benefit from interest free finance facility?

Just about any registered client at our practice over the age of 18.

What can I use the loan for?

You can use the payment plans to pay for most treatment, particularly for more costly treatments such as cosmetic, aesthetic, orthodontic or dental implant work.  If you’re not sure whether they’re right for your treatment, please ask your clinician.

How much can I borrow?

Dependent upon facility you can borrow typically between £1000 and £50,000.  This will be subject to an ‘on- site’ credit application.  Most patients’ applications are approved there and then, so you can go ahead and schedule treatment immediately.

How do I make the repayments?

Much like any other loan facilities, you repay them in affordable monthly payments over an agreed term.  These payments are collected by Direct Debit.

How much will I pay?

With our 0% APR Representative facility you pay the cost of your treatment – no more and no less.  Interest-free means just that!  In terms of the low cost facilities, we provide you with a quotation that shows the monthly payment and the total interest payable over the term of the loan.  There are no hidden costs and no deposit is required!

What are the repayment terms?

Your designated members of the practice team will be able to go through the various terms with you and agree the most suitable repayment period.

How do I apply?

Once you’ve agreed on a course of treatment – and a cost – with your clinician, we’ll make the credit application on your behalf.  As soon as this has been approved and then processed, you’ll receive written confirmation from the credit provider.  Simple as that!

Who is the credit provider?

We’re working with one of the most respected credit providers in the business.  Ask our team for details.

What happens if my treatment costs more than planned for?

Firstly, we will tell you of this situation when it becomes imminent. Secondly, you can choose to have an additional facility to cover the additional costs.

What happens if my treatment costs less than planned for?

This will be refunded either to you or to the lender who will then reduce the outstanding balance on your account.

How often can I use the facility?

You can apply for a payment plan for each course of treatment, subject to the usual credit application.

The benefits: at a glance

For anyone considering using our interest-free or low cost loan facilities to fund their private treatment, the benefits are clear:

• You get the treatment you want or need at the right time- treatment that may prevent from further damages or will make you look and feel better

• You get to spread the cost of that treatment over a suitable period

• Interest-free and low cost loans can be a much more affordable alternative to credit cards or bank loans

• It’s easy to apply and simple to repay by Direct Debit

• They’re provided by leading credit suppliers

Examples

Using 0% APR and 7.9% APR Representative rate

Treatment cost

Facility

Term (months)

APR

Monthly payment

Total payment

£1500.00

Interest free

12

0%

£125.00

£1500.00

£1500.00

Low Cost

24

7.9%

£67.59

£1622.16

£3000.00

Low cost

36

7.9%

£93.51

£3366.36

Financial Calculator








0% APR INTEREST FREE£350+£350+£350+
TERM (MONTHS)61012
£ MONTHLY REPAYMENTS
COST PER WEEK
COST PER DAY


7.9% APR LOW COST£1000+£1000+
TERM (MONTHS)2436
£ MONTHLY REPAYMENTS
COST PER WEEK
COST PER DAY
TOTAL COST
TOTAL INTEREST