Spread the cost
Treatment can be affordable with our flexible payment plans. Subject to status you may be eligible to spread the cost of your treatment over 6 - 36 months using our dedicated patient credit facility. Provided via a world leading lender, Hitachi Capital our finance plans give you the flexibility to have your treatment with little or no upfront cost. 0% credit is available on amounts over £350 over a term of 6-12 months meaning you wont pay a penny extra for spreading the cost! If you are spending a larger amount (from £1,000) then we also offer interest bearing facilities at a typical APR of 7.9%, these can be taken over a 12-36 month term. All payment plans are subject to status and application, Bath Spa Dentistry is authorised and regulated by the Financial Conduct Authority.
Frequently Asked Questions
What is a finance plan?
This is a credit facility that you apply for to cover the cost of treatment. The credit is provided by Hitachi Capital who you will repay by a convenient monthly direct debit over the agreed term. Depending upon the type of plan you take, you may be charged interest on the credit taken.
Will I be eligible?
Providing you are over the age of 18 and have lived in the UK for more than 6 months you are likely to be eligible to apply. As with any type of credit you will need to complete an application and this will be assessed by the lender.
What can I use it for?
You can apply for a finance plan for any treatment over the value of £350. This can be used to cover the cost of any course of treatment.
How much can I borrow?
The minimum loan amount is £350 for interest free credit and £1,000 for interest bearing options. Beyond this you have total flexibility to on whether to borrow the full value of your treatment or pay a deposit and borrow just a portion of the cost. The maximum amount you can borrow will depend upon your personal circumstances.
How will I pay it back?
You will repay your loan by a convenient direct debit at a pre-agreed rate. The first repayment will be collected 1 month after you accept your plan.
How do I apply?
You will first need to get the cost of your treatment confirmed, once this is done we can either help you complete the application in practice or we can send you an email link to complete the application securely online in the comfort and convenience of your home. The process is really simple and you will normally get an instance decision on whether you have been approved.