How UK practices help you spread the cost of Invisalign, from 0% interest to monthly payment plans.
Most dental finance works like a personal loan. You borrow the cost of treatment from a regulated finance company (not the dental practice) and repay in monthly instalments. The practice receives full payment upfront, and you deal with the finance company for repayments.
The key variable is the interest rate. Some practices offer 0% APR (no interest), meaning you pay exactly the treatment cost spread over time. Others offer low-APR plans (typically 5.9-14.9%) where you pay interest on top of the treatment cost.
The best deal available. You pay no interest at all - the total cost is simply divided into equal monthly payments. Typically offered over 12-24 months.
Interest-bearing plans, usually at 5.9-14.9% APR. Allows longer repayment periods (24-60 months) and lower monthly payments, but you pay more overall.
Some practices require a deposit (typically 10-30% of the total cost) with the remainder on monthly payments. This reduces the amount financed and can make approval easier.
Some practices offer their own payment plans without involving a third-party finance company. These are often simpler but may require you to complete payments before treatment finishes.
Here is what you would pay per month at different price points and terms:
| Treatment cost | 12 months (0%) | 18 months (0%) | 24 months (0%) | 36 months (9.9%) |
|---|---|---|---|---|
| £2,000 | £167/mo | £111/mo | £83/mo | £65/mo |
| £3,000 | £250/mo | £167/mo | £125/mo | £97/mo |
| £4,000 | £333/mo | £222/mo | £167/mo | £129/mo |
| £5,000 | £417/mo | £278/mo | £208/mo | £161/mo |
Note: 9.9% APR figures are approximate. Actual monthly payments depend on the specific finance terms offered by each practice.
Ask for the total amount you will repay, not just the monthly figure. On interest-bearing plans, you could pay hundreds more than the treatment cost.
Reputable dental finance is provided by Financial Conduct Authority (FCA) regulated companies. This gives you consumer protections and a complaints process.
By law, you have a 14-day cooling-off period after signing a credit agreement. You can cancel within this period without penalty.
Check whether you can pay off the balance early and if there are any early settlement fees.
Under Section 75 of the Consumer Credit Act, if you pay by credit (over £100), the finance company shares liability with the practice for the quality of treatment.
Yes, 0% APR means you pay no interest. You pay the total treatment cost divided equally across the repayment period. A £3,000 treatment on 12-month 0% finance is exactly £250 per month. The practice absorbs the finance company's fee as a cost of doing business.
This varies by finance provider, but most dental finance plans require a fair to good credit score. You will typically need to be 18+, a UK resident, and employed or with a regular income. The application involves a soft credit check that does not affect your credit score, followed by a hard check if you proceed.
Most dental finance agreements allow early repayment without penalties. If you are on an interest-bearing plan, paying early can save you money on interest charges. Check the terms of your specific agreement.
Missing payments can incur late fees and affect your credit score. If you are struggling to make payments, contact your finance provider immediately. Most will work with you to find a solution before the situation escalates.
No. 2883 of the 8,229 providers in our directory advertise finance options. Use our search to filter for practices that offer payment plans in your area.
2883 practices in our directory offer finance options. Compare plans alongside pricing and provider details.
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