At the practice, we can provide access to interest-free and interest-bearing finance options that allow you to spread the cost of treatment, making it more affordable
0% APR Finance – Treatment of £600 or more
- Payable over a period of 6 or 12 months
- Interest free
- Deposit optional
Interest bearing – Treatment of £600 or more
- Payable over a period of 24-60 months
- 9.9% APR
- Deposit optional
For anyone considering using interest-free finance facilities to fund their private treatment, the advantages are clear:
- Makes treatment more affordable – by allowing you to spread the cost, you can opt to have the treatment you want, when you want it.
- Greater choice of treatments – by making treatments more affordable, you can access a wider range of treatments and choose the one perfect for you.
- Payment terms to suit you – with a range of options available, you can choose the one best suited to your circumstances.
- No upfront deposit option – with the choice to opt for no initial financial outlay, you can avoid dipping into your savings or having to find a lump sum to start your treatment.
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Interest-Free and Interest-Bearing 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 a member of our practice team.
Who can benefit?
Almost anyone, if you are over 18 and a UK resident, subject to status and usual credit checks. You don’t have to belong to a membership plan and you don’t need to be a regular visitor at this practice. Access to facilities will be subject to an online credit application.
How do I apply?
Once your treatment plan and costs have been agreed, you’ll be able to complete an easy-to-use online credit application.
What can I use it for?
You can use our finance options for just about any treatment we provide, although they’re particularly suited to cosmetic, restorative, orthodontic and dental implant treatments. Please ask a member of the team for more details.
How long does approval take?
The application takes just a few minutes to complete and the decision is given instantly. If your application is approved, we can schedule treatment following the mandatory 14-day ‘cooling-off’ period.
What’s the minimum and maximum I can finance?
Our range of finance facilities cover any treatment which costs over £600* and up to a maximum of £25,000.
Who is the credit provider?
The dental practice, Medenta Finance Limited and V12 Retail Finance Limited are credit brokers and not lenders. Medenta introduces practices to V12, V12 only offers credit products from Secure Trust Bank PLC.
How do I make the repayments?
Much like any other finance facilities, you repay them in monthly payments over an agreed term. These payments are collected by Direct Debit.
What if the cost of treatment changes?
We will let you know as soon as the situation arises. Should treatment costs increase, you can, depending on the amount, choose to have an additional finance option to cover the extra costs, subject to further credit status and affordability checks. If costs decrease, options can be discussed with the credit provider.
How much will I pay?
With our interest-free facilities, you pay the cost of your treatment – no more, no less. In terms of the interest-bearing facilities, there will be an interest element which will be made clear to you at the outset. In both instances, we provide you with a quotation that shows the monthly payment over the term of the loan. There are no hidden costs and an upfront deposit isn’t always necessary.
How often can I use the facility?
You can apply for finance for each course of treatment, subject to the usual credit check.
What are the repayment terms?
Designated members of the practice team will be able to go through the various terms with you so you can decide which option works best for you.
