0% Finance

Here at Westmount Dental Surgery, we know how important an investment your smile can be and we want to make sure we offer affordable payment options for our patients. We can provide access to interest-free and interest-bearing finance options that allow you to spread the cost of treatment on a monthly affordable basis. For anyone considering using interest-free or interest-bearing finance facilities to fund their private treatment, the advantages are clear:

  • Pay no interest and allows you to spread your costs over 12 months
  • Makes treatment instantly 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 pay a lump sum to start your treatment.

Some examples of what your monthly costs might be are presented below, for more detailed and accurate information, please call us and we’d be happy to go through these with you over the phone or in practice.

Finance Comparison

Treatment Option Treatment Costs Deposit Required Monthly Payment at 0% Interest Monthly Payment at 9.9% APR over 3 Years
Enlighten Whitening £600 £0 £50 N/A
Quick Straight Teeth fixed braces, single arch £2,000 £0 £166.66 £64.05
Quick Straight Teeth fixed braces, dual arch £2995 £0 £249.58 £95.91
Single Dental Implant £1650 £0 £137.50 £52.84

Frequently Asked Questions

We’ve tried to answer the most commonly asked questions here, but if there’s anything else you’d like to know, please speak to a member of the team.

Who can benefit from finance?

Just about 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 just about any treatment we provide that costs over £100, although they’re particularly suited to cosmetic, restorative, orthodontic and dental implant treatments. Please ask a member of the team for more details.

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 £50,000.

How do I make the repayments?

Much like any other finance facilities, you repay them in affordable monthly payments over an agreed term. These payments are 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 we will go through with you at the offset before you apply.

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.

What are the repayment terms?

We provide a few repayment options, the most common ones being 1, 3 and 5 years.

How do I apply?

Once your treatment plan and costs have been agreed and you’ve decided which finance option best suits you, you’ll be able to complete an easy-to-use online credit application. This is done for you in practice!

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.

How often can I use the facility?

You can apply for finance for each course of treatment, subject to the usual credit check.

M A Quraishi trading as Westmount Dental Surgery is a credit broker authorised and regulated by the Financial Conduct Authority that has a commercial relationship with the lender Hitachi Capital (UK) PLC and as such is unable to provide independent advice.