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FINANCE

0% APR Finance
Making your treatment more affordable

At the practice, we can provide access to three interest-free finance options that allow you to spread the cost of treatment over six, ten or twelve months, making it more affordable*. Sound interesting? Read on to find out more!
*Options may vary from practice to practice. Speak to your practice for more information.

Your questions answered!

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?
Almost anyone, if you are over 18 and a UK resident, subject to status and usual credit checks. You don’t have to belong to a membership plan and you don’t need to be a regular visitor at this practice. Access to facilities will be subject to an online credit application.
You can use our finance options for just about any treatment we provide, although they’re particularly suited to cosmetic, restorative, orthodontic and dental implant treatments. Please ask a member of the team for more details.
Our range of finance facilities cover any treatment which costs over £350 and up to a maximum of £25,000.
Much like any other finance facilities, you repay them in monthly payments over an agreed term. These payments are collected by Direct Debit.
With our interest-free facilities, you pay the cost of your treatment — no more, no less. We can provide you with a quotation that shows the monthly payment over the term of the loan. There are no hidden costs and an upfront deposit isn’t always necessary.

Designated members of the practice team will be able to go through the three terms so you can decide which option is appropriate for you: six, ten or twelve months.

Once your treatment plan and costs have been agreed, you’ll be able to complete an easy-to-use online credit application.
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.

The dental practice, Medenta Finance Limited and V12 Retail Finance Limited are credit brokers and not lenders. Medenta introduces practices to V12, V12 only offers credit products from Secure Trust Bank PLC.

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, subject to further credit status and affordability checks. If costs decrease, options can be discussed with the credit provider.
You can apply for finance for each course of treatment, subject to the usual credit check.

The advantages at a glance

For anyone considering using interest-free finance facilities to fund their private treatment, the advantages are clear:

  • Makes treatment more 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 three interest-free options available (6, 10 or 12 months), 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 savings or having to find a lump sum to start your treatment.

*Options may vary from practice to practice, for example, term, product, lending level and deposit. Speak to your practice for more information.

Small print

The Financial Conduct Authority does not regulate instalment credit agreements for fixed goods, at a fixed cost, which have a term less than 12 months.

Medenta Finance Limited is authorised and regulated by the Financial Conduct Authority (No. 751252). Registered in Scotland. Registered address: 50 Lothian Road, Festival Square, Edinburgh, EH3 9WJ. Telephone: 0161 768 6845. Medenta acts as a credit broker, not the lender, and will introduce you to V12 Retail Finance Limited for credit. They will receive a commission. The amount of commission will vary depending on the product chosen and amount borrowed.

V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (registration number 679653). Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. (Company address: 25–26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.) V12 Retail Finance Limited acts as a credit broker, not a lender, and will only offer credit products from Secure Trust Bank PLC for which they will receive a commission. The amount of commission will vary depending on the amount of credit and product term. Secure Trust Bank PLC is registered in England and Wales and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 204550). Registered office: Yorke House, Arleston Way, Solihull, B90 4LH.

Terms and conditions apply. Written quotations are available on request. Loans from Secure Trust Bank PLC are subject to status and affordability checks and only available to UK residents over the age of 18. Secure Trust Bank PLC reserves the right to decline any application. APR and repayment details are correct at time of publishing. Telephone calls may be recorded for training and monitoring purposes.