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0% Finance

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What treatment qualifies for 0% Finance?

For treatments above £1000, you will be able to apply for finance.

To be eligible clients:

  • Must be over 18
  • Must be UK resident (minimum 3 years)
  • Must have permanent UK address
  • Must provide 3 years worth of address history
  • Must have at least one fixed telephone contact point
  • Must not be students


Treatment Cost Term (months) APR Monthly Payment Total Payment
£1800 12 0% £180 £1800
£1800 24 7.9% £92 £2198
£1800 36 9.9% £69 £2454


How do I apply for a dental loan?

Once you have discussed and agreed the treatment with your dentist, we will be able to make the credit application on your behalf. Once approved and processed, you will receive written  confirmation from the credit provider. We may then commence treatment.

What is the most I can borrow?

Options are available to typically, borrow between £1000 to £10000 subject to a credit application. This may be filled out at the practice, with a decision provided, in some cases, on the same day.

How much interest will I pay?

Paying off your treatment over 12 months or less, you simply pay for your treatment and nothing else. 0% finance is just that – pay no interest on the loan amount. With a small deposit required, your total treatment cost is simply divided over the number of months you wish to pay it off.

For a credit term in excess of 12 months, please see our repayment table above or speak to one of our team in the practice.

How do I repay the dental loan?

As with most other credit agreements, your dental treatment will be paid off in affordable monthly instalments collected by Direct Debit.

Can I use finance for more than one dental treatment?

Yes, you may apply for finance for any treatment over £1000.

What happens if my treatment costs more than planned for?

Firstly, should this situation arise, we will tell you of it as soon as it becomes clear. 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 are the repayment terms?

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

Who is the credit provider?

Service is provided in cooperation with Braemar Finance, an established nationwide leading direct provider of specialist professional finance.

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