Interest-free dental finance in Cheltenham

What are the benefits of our 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 event such as a wedding
Having treatment sooner rather than later might minimise discomfort, stress, and inconvenience as well as cost you less
No upfront deposit option on a repayment period of 12 months so you can avoid dipping into your savings or having to find a lump sum to start your treatment

Find out more about our interest-free finance options

Interest-free Dental Finance APR Representative Example

Interest Rate APR Representative	Treatment Cost	Deposit	Advanced Amount	Term (months)	Monthly Repayments	Total Payable	Charges
0% – Fixed	£2,500.00	£0.00	£2,500.00	12	£208.33	£2,499.96	£0.00
0% – Fixed (24 months)	£2,500.00	£750 (30%)	£1,750.00	24	£72.91	£2,499.84	£0.00

Please note:

Arnica offers 0% finance on treatments between £1,000 and £50,000

What our patients think

Due to the cost of my daughters wedding we could not afford to pay for treatment upfront. Being able to spread the cost over 12 months meant that I could start my cosmetic treatment straight away and in time for the big event
M Salisbury

My husband I are always abroad on business. There have been several occasions when the worldwide cover has given us a paddle when we’ve truly been up **** creek!
Emma

Not only did the plan save us money, it encouraged us to visit Leah more often. As a result Leah detected a couple of minor issues before they became major ones!
D Webber

Your questions answered

Who can benefit?

Anyone over the age of 18. You don’t have to belong to a membership plan and you don’t have to be a regular visitor at this practice. Access to these facilities will be subject to an online credit application.

What can I use it for?

You can use our finance options for 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 much can borrow?

Our range of finance facilities covers treatments between £1,000 and £50,000.00.

How do I make the repayments?

Repay them in affordable monthly payments over an agreed term and collected by Direct Debit.

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.

What are the repayment terms?

Designated members of the practice team will be able to go through the various terms with you and agree the repayment period that works best for you.

How do I apply?

Once your treatment plan and costs have been agreed and you’ve decided which finance facility best suits you, you’ll be able to complete an easy-to-use online credit application.

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.

Who is the credit provider?

The practice and Medenta Finance Ltd are credit brokers and Hitachi Capital (UK) PLC is our credit provider.

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. If costs decrease, the remaining balance of your finance will be reviewed by the credit provider and options for reducing your payments or terms will be discussed.