Everyone deserves to feel confident about their smile. But the cost of treatment can sometimes get in the way of improving the appearance and health of your teeth. That’s why we’re introducing Novuna Personal Finance who arrange patient finance as a helpful way of spreading the cost of your treatment.
How does patient finance work?
Finance is available for treatments that cost between £250 and £50,000.
You could spread the cost of your treatment by choosing a payment term (how long you need to repay for) that suits you.
You can apply for 0% APR finance, also called interest-free finance, for treatments that cost between £250 and £50,000 if you choose to pay back the total amount borrowed over 12, 18, 24 or 36 months, (subject to varying minimum and maximum values).
If you choose a payment term of 48 or 60 months, finance is available at 7.9% APR representative.
Finance applicants must be aged 18 or over, a UK resident, have a UK bank account and be in permanent employment. All loans are subject to eligibility, status, affordability and a credit check. T&Cs apply. Finance is available on private dental treatments only.
How much will I pay each month?
Your monthly repayment amount will depend entirely on the term you choose. Whether you want to borrow the minimum credit amount of £250, or the maximum of £50,000 – there are options available. Here are representative examples to show you how it all works:
Representative example – interest-free – 0% APR finance
With this option, you spread the cost of your treatment over a period of time and, because there’s no interest, you don’t pay back any more than the cost of the treatment.
- 0% APR 36 months
- Treatment cost: £16,495
- Deposit £0
- Interest rate 0% p.a. fixed
- 0% APR representative
- Loan amount: £16,495
- Term: 36 months
- Monthly repayments: 36 x £458.19
- Total cost of credit: £0
- Total amount payable: £16,495
Representative example – interest-bearing – 7.9% APR representative finance
With interest-bearing options for longer payment terms, you still spread the cost of your treatment with monthly repayments, whilst paying interest.
- 7.9% APR 60 Months
- Treatment cost: £16,495
- Deposit £3,299 (20%)
- Interest rate 7.9% p.a. fixed
- 7.9% APR representative
- Loan amount: £13,196
- Term: 60 months
- Monthly repayment: 60 x £265.25
- Total cost of credit: £2,719.01
- Total amount payable: £15,915.01 (excluding deposit)
How do I apply for patient finance?
After you agree your treatment plan with your clinician, you’ll have the option to apply for patient finance through Novuna Personal Finance. If you’re interested, a member of the reception team will ask for your email address and send you a link to a simple application form to complete. Once you find out if you’re eligible for patient finance, you can use it to help pay for your treatment.
If you would like to know more about the payment plans we offer, please call 020 3553 6415 to speak with one of our Patient Advisors.
Alternatively, your Patient Co-ordinator will be happy to answer any questions you have when you attend your initial free consultation*.
Terms and conditions
Finance applicants must be 18 or over, a UK resident, have a UK bank account and be in permanent employment. All loans subject to eligibility, status, affordability and a credit check. Finance is available on private dental treatments only.
The minimum spend for finance is £250 and the maximum is £50,000. Finance agreements with a repayment term of 12, 18, 24 or 36 months are subject to 0% APR (interest-free). Agreements with a repayment term of 48 or 60 months are subject to 7.9% APR representative.
TDC Implant Centres and Bupa Dental Care are trading names of Oasis Dental Care Limited, Vantage Office Park, Old Gloucester Road, Hambrook, 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 Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491. The Register can be accessed through http://fca.org.uk