Don’t let the cost of treatment get in the way of your smile
Spread the cost of your dental treatment
Why use patient finance?
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 can arrange finance as a helpful way of spreading the cost of your treatment.
You can use patient finance to cover the costs of a range of private treatments, including:
- Dental implants
- Teeth straightening treatment
- Crowns, bridges and veneers
- Plus, many more treatments
How does patient finance work?
Patient finance makes your treatment accessible by spreading the cost.
You pay the same amount each month for a set period of time, so you don’t have to pay for your treatment in one go.
Check out our quick and easy to use finance calculator to get an estimate of what your repayment options might be.
Do I have to pay a deposit?
It’s entirely up to you - a deposit isn’t required upfront. But you can choose to pay one if it suits you.
Paying an upfront deposit could reduce the cost of your monthly repayments. This is something you can decide at the application stage.
Can I get 0% APR finance?
You can apply for finance at 0% APR*, also called interest-free finance, to pay for treatments that cost between £500 and £50,000, provided you select a repayment term of 12, 18 or 24 months.
If you prefer a longer repayment term of 36, 40, 48 or 60 months, you can apply for finance at 9.9% APR representative*.
Bupa Smile Plan
Bupa Smile Plan is a proactive approach to protecting your oral health. It’s an annual plan of private routine check-up and hygiene appointments that you pay for monthly.
How it works
With a Bupa Smile Plan subscription, the cost of these routine appointments is spread across 12 equal and manageable monthly payments, making budgeting easier.
Benefits
Regular monitoring means that your dentist can spot the signs of any potential oral concerns. With early intervention, your dentist can manage them before they become bigger issues, or even avoid them altogether.
How much will I pay each month and for how long?
Once you know the cost of your treatment plan, simply speak to the friendly practice team and they can provide you with an example of what your repayments might be based on your choice of repayment term.
Here are some representative examples to show you how it all works:
Representative examples
Interest-free representative example - 0% APR* finance: repayment term of 24 months
When you select a repayment term of 24 months or less, there is no interest to pay, so you don’t pay back any more than the cost of treatment.
Cost of treatment - £2,000
Loan value - £2,000
Repayment term - 24 months
Interest rate - 0% p.a. fixed
Annualised rate of interest (APR representative) - 0%*
Monthly repayments - 24 x £83.33
Total interest - £0.00
Total amount repayable - £1,999.92
Interest-bearing representative example - 9.9% APR representative* finance: repayment term of 48 months
If you choose a longer repayment term of 36, 40, 48 or 60 months, you can still spread the cost of treatment with fixed-monthly repayments, but you pay interest at 9.9% APR representative*.
Cost of treatment - £2,000
Loan value - £2,000
Repayment term - 48 months
Interest rate - 9.9% p.a. fixed
Annualised rate of interest (APR representative) - 9.9% APR*
Monthly repayments - 48 x £50.63
Total interest - £430.24
Total amount repayable - £2,430.24
How do I sign up for patient finance?
Once you have agreed your treatment plan and cost with your clinician, you’ll have the option to apply for 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. If you’re eligible for finance, you can use it to help pay for your treatment. A decision is made very quickly, and you could be booking in your treatment in no time.
If you have a patient finance agreement and you haven’t yet started your treatment plan, please contact your practice for further information.
You can only apply for finance at the practice you intend to receive treatment. If your new practice does not offer patient finance through Novuna Personal Finance, you will not be able to use this payment method.
*Terms and conditions:
Finance applicant must be aged 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.
The minimum spend for finance is £500 and the maximum is £50,000. Finance agreements with a repayment term of 12, 18 or 24 months are subject to 0% APR (interest-free). Agreements with a repayment term of 36, 40, 48 or 60 months are subject to 9.9% APR representative.
Bupa Dental Care is a trading name of Oasis Dental Care Limited, Vantage Office Park, Bristol, BS16 1GW, whose company registered number is 00478127. Oasis Dental Care Limited is authorised and regulated by the Financial Conduct Authority FCA registration number 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 www.fca.org.
^ We may record or monitor our calls.
Bupa Dental Care is a trading name of Oasis Dental Care Limited. Registered in England and Wales No: 00478127. Registered office: Bupa Dental Care, Vantage Office Park, Old Gloucester Road, Hambrook, Bristol, United Kingdom BS16 1GW.
Oasis Dental Care Limited has a number of trading names including Bupa Dental Care. For a list of all our different trading names please follow this link.
