Finance Plans

We accept card payments. We can also arrange Interest Free Finance for all of our patients with the option of an extended term with a low interest finance option of 9.9% also available.

Interest-free and low cost payment plans to pay for your treatment

Are you one of the thousands of patients considering cosmetic, aesthetic, orthodontic or dental implant work? If so, you might be interested in a service we provide right here – interest-free and low cost payment plans to fund your dental treatment.

As innovative and potentially much more affordable alternatives to traditional options, our range of facilities enable you to get the treatment you want – the right treatment – and pay for it over an appropriate period.

Sounds interesting, doesn’t it? Here’s how it works...

Interest-free and low cost payment plans: your questions answered

We’ve tried to answer all your questions here. If there’s anything else you’d like to know, please ask your dentist or a member of our practice team.

Who provides the finance?

The finance is arranged through Chrysalis Finance Ltd., a company authorised by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193, and the lender is Shawbrook Bank Plc.

What can I use them for?

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

How much can I borrow?

You can borrow between £350 and £50,000, subject to status.  You must be over 21 to apply, and you must have lived in the UK for at least 3 years.

Do I have to pay a deposit?

A deposit is not required, but if you want to pay one and so reduce the amount you borrow, this is completely up to you.

How much are the repayments?

With our 0% facility you pay the cost of your dental 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?

The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject the usual guarantee from your bank.  You can decide the length on term you wish to take at the application process.

How do I apply?

You will need to complete a simple, online credit application, which one of our staff can help you with.  The information is transmitted to the lender immediately and a reply is usually received by return.  You can either sign a credit agreement that we print for you, or have it emailed for you to complete at home.

When Can I start the treatment?

Immediately - as soon as the credit agreement has been signed.

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.

What if I decide that I don't want the finance?
There is a statutory 'cooling off' period of 14 days after signature during which you can cancel the credit agreement with no cost to you.  However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.

The benefits: at a glance

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

  • You get the treatment you want - treatment that will make you look and feel a million times 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
Treatment costFacilityTerm (mths)APRMonthly paymentTotal payment
£1500.00 Interest free 12 0% £125.00 £1500.00
£1500.00 Low cost 24 9.9% £68.87 £1652.88
£1500.00 Low cost 36 9.9% £48.05 £1729.80

To find out how you could benefit from this easy, affordable way to pay for the dental treatment you want, speak to your dentist or a member of the practice team.

Chrysalis Finance Appointed Representative

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