0% Finance
Interest Free Loans
​
To help spread the cost of treatment, at no additional cost to you, Dental Clinique now offers an interest-free repayments.
​
These are arranged with Medenta Ltd. who work with Hitachi Capital Finance (UK) and in compliance with the FCA (Finance Conduct Authority) regulations.
​
What sort of treatments can Interest free credit be used for?
​
The credit can be used to spread the cost of all private treatments available at our practice.
​
What is excluded? What are the restrictions?
​
-
Excluded are costs for routine treatments such as consultation, check- up, x-rays and Hygienists.
​
-
Total Treatment must add up to £500 or above to be eligible for our repayment.
-
10% of amount is a deposit, the remaining 90% can be borrowed interest free.
​
-
The maximum loan term is 10 months.
How much credit is available?
​
The minimum credit amount is £500 and you can borrow up to £5,000.
All loans will be subject to a simple credit check procedure. This is carried out on the phone while you wait. Documents will be required.
​
What are the charges for the credit?
​
The credit is interest free. The borrowed amount is all that you repay.
There are no additional charges to process the loan, or upon completion.
​
Over what periods are the loans repayable?
​
The term of the loan is fixed to 10 months or less.
​
How will I know if I am eligible for credit?
​
As a guide you must be:
-
Age 18 or over
-
UK resident
You must also be able to produce identification as advised by DENTAL CLINIQUE when making an application.
​
Who is the credit provider?
​
Hitachi Capital (UK) ltd, act as a credit provider for Medenta Ltd. You will be provided with their contact details for any query about the interest-free loan.
​
Is the application simple?
​
The credit application is easy and takes place at the practice.
The practice will then place a quick call to Medenta and in the majority of the cases the decision is made there and then.
Proof of identity, such as a recent utility bill will be required.
Once the loan is processed you will receive acknowledgement in writing confirming details of the loan.
​
Is the repayment simple?
​
Yes. A direct debit mandate will allow them to collect the monthly loan repayments.
​
Typical examples
​
Example 1
Total cost of treatment £1,000
If you pay a 20% deposit of £100, the balance payable is £900
You will repay £75.00 per month for 10 months. Total payable is £900 at 0% APR
Example 2
Total cost of treatment £2,000
If you pay a 20% deposit of £200, the balance payable is £1800.
You will repay £150 per month for 10 months. Total payable is £1,800 at 0% APR
-
More time with the dentist. You benefit from having the treatment you need not the treatment you can afford
​
-
No worries about large unexpected bills, to encourage regular attendance
​
-
All normal routine dental care including check-ups, fillings, x-rays and preventative care.
​
-
Preventative care, including help with avoiding gum disease and tooth decay, scaling and polishing, fluoridation, dietary and other preventative advice.
​
-
Visit to the hygienist when necessary, scale and polish and dietary advice
-
All necessary treatment, including white fillings where necessary
​
-
Work involving laboratories, (crowns and bridges), the time with the Denplan member dentists is covered, so the patient only pays the laboratory costs.
​
-
Access to Denplan's nation-wide 24 hour emergency helpline A 24 hour telephone helpline is provided by Denplan for immediate assistance in case of dental emergencies outside normal surgery hours, providing peace of mind.