01242 655554

Interest free dental finance options

Benefits to you of our interest-free dental finance options:

  • Spreading the cost of treatment might suit your current financial circumstances making the treatment you need/want a possibility
  • Treatment when you need it most for example in time for an important life event such as a wedding
  • Having treatment sooner rather than later might minimise discomfort, stress, and inconvenience as well as cost you less
  • You do not have to dip into your savings which you might need for other important expenditures

Terms and conditions

Applications are subject to status and a full credit check and applicants must be:

  • 18 or over
  • Resident in the UK for more than 12 months
  • Have a UK bank account
  • Be in permanent employment

Please note:

Arnica Dental Care and Bupa Dental Care are trading names of Oasis Dental Care Limited, Vantage Office Park, Bristol, BS16 1GW, whose company registered number is 00478127. Oasis Dental Care Limited is authorised and regulated by the Financial Conduct Authority FCA registration no: 710559. Oasis Dental Care Limited is a credit broker and not a lender.

Finance is provided by Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no: 704348. The Register can be accessed through http://fca.org.uk. Registered office: Hitachi Capital House, Thorpe Road, Staines upon Thames, Surrey, TW18 3HP. Registered in Cardiff under company no: 1630491.

Interest free dental finance 0% APR representative – illustrations

Interest free (12 months)
1,000.00 (loan amount)
£0.00 (deposit)
£83.33 (monthly payment)
12 (number of payments)
0.0% (representative APR)
£999.96 (total amount payable (incl. deposit)
£0.00 (total interest)
0 months (deferral period)
Interest free (18 months)
1,000.00 (loan amount)
£0.00 (deposit)
£55.55 (monthly payment)
18 (number of payments)
0.0% (representative APR)
£999.96 (total amount payable (incl. deposit)
£0.00 (total interest)
0 months (deferral period)
Interest free (24 months)
1,000.00 (loan amount)
£0.00 (deposit)
£41.66 (monthly payment)
24 (number of payments)
0.0% (representative APR)
£999.96 (total amount payable (incl. deposit)
£0.00 (total interest)
0 months (deferral period)
Interest free (36 months)
1,000.00 (loan amount)
£0.00 (deposit)
£27.77 (monthly payment)
36 (number of payments)
0.0% (representative APR)
£999.96 (total amount payable (incl. deposit)
£0.00 (total interest)
0 months (deferral period)

Interest bearing option @ 7.9 APR representative illustrations

Interest bearing (48 months)
1,000.00 (loan amount)
£0.00 (deposit)
£22.24 (monthly payment)
48 (number of payments)
7.9% (representative APR)
£1163.52 (total amount payable (incl. deposit)
£163.52 (total interest)
0 months (deferral period)

 

Interest bearing (60 months)
1,000.00 (loan amount)
£0.00 (deposit)
£20.10 (monthly payment)
60 (number of payments)
7.9% (representative APR)
£1206.00 (total amount payable (incl. deposit)
£206 (total interest)
0 months (deferral period)

 

Your questions answered

Who can apply for finance?
Anyone over the age of 18, resident in the UK for more than 12 months, with a UK bank account and in permanent employment. You don’t have to belong to our membership plan and you don’t have to be a regular visitor at this practice.

How do I apply for finance?
Once your treatment plan has been agreed, let a member of staff know you wish to apply for finance and our finance representative Louise Nicholson-Smith will contact you to help you apply via Hitachi’s online finance application portal.

How much can I borrow?
Our range of finance facilities covers treatments between £500 and £50,000.00.

How do I make the repayments?
You will repay the finance via direct debit in equal monthly payments over the agreed term.

How much will I pay?
With the 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 and any interest payable 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.

Why not chat through your interest-free finance options with a member of the team?

Call 01242 655554 and request to speak to our Interest Free Finance expert Louise Nicholson Smith

Request a call back

Louise Nicholson-Smith Image