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Spread the cost of your dental treatment- finance available from 0% APR

How does patient finance benefit me?

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 Hitachi Capital who arrange patient finance as a helpful way of spreading the cost of your treatment.

You can use patient finance to cover the costs 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.

Do I have to pay a deposit?

A deposit isn’t required upfront. But you can choose to pay one if it suits you – it’s entirely optional.

Paying an upfront deposit could reduce the cost of your monthly repayments. This is something you can decide at the application stage.

How our finance options work

Hitachi Capital can arrange finance options tailored to Bupa Dental patients or to patients of Platinum practices.

  • For Bupa Dental Care patients

  • For Platinum patients


Bupa Dental Care patients can apply for finance through Hitachi, which means you can spread the cost of your treatment with fixed monthly repayments.

Can I get 0% APR finance?

You can get 0% APR finance, also called interest-free finance, for treatments that cost between £250 and £5,999.99. This means you pay for the cost of your treatment, with no added interest.

For treatments that cost between £6,000 and £50,000, you can apply for finance at 7.9% APR representative.

All loans are subject to eligibility, status, affordability and a credit check.

Finance applicant must be aged 18 or over, a UK resident, have a UK bank account and be in permanent employment. T&Cs apply.

How much will I pay each month and for how long?

To make things as simple as possible, how much you borrow (which will be the total cost of your treatment unless you pay a deposit), determines:

  • Your monthly repayment amount
  • How long you need to repay for (known as the payment term)
  • Your Interest rate

This table shows you the repayment term and interest rate available:

The amount you borrow The length of your repayment period (in months)
From To Term Interest rate
£250.00  £499.99 6 0%
£500.00  £799.99 9 0%
£800.00  £999.99 10 0%
£1,000.00  £1,499.99 12 0%
£1,500.00  £1,999.99 15 0%
£2,000.00  £2,499.99 18 0%
£2,500.00  £3,499.99 24 0%
£3,500.00  £5,999.99 36 0%
£6,000.00  £7,499.99 42 7.90%
£7,500.00  £7,999.99 48 7.90%
£8,000.00  £9,999.99 60 7.90%
£10,000.00  £50,000.00 72 7.90%

Finance examples

Whether you want to borrow the minimum of £250 or the maximum of £50,000 – there are options available. Here are representative examples to show you how it all works:

Interest-free example- 0% APR finance

With this option, you spread the cost of your treatment over a period of time and, because there’s no interest, you don’t pay back any more than the cost of treatment.

0% APR (18) months

  • Treatment cost: £2000
  • Loan value: £2000
  • 0% APR representative
  • Annualised rate of interest - 0%
  • Term: 18 months
  • Monthly repayments: 18 x £111.11
  • Total cost of credit: £0
  • Total amount payable: £1999.98

Interest-bearing example- 7.9% APR representative finance

With interest-bearing options for higher value treatments, you still spread the cost of your treatment with fixed-monthly repayments.

7.9% APR representative (42) months

  • Treatment cost: £6000
  • Loan value: £6000
  • 7.9% APR representative
  • Annualised rate of interest – 7.9% Term: 42 months
  • Monthly repayment: 42 x £163.24
  • Total cost of credit: £856.08
  • Total amount payable: £6856.08

Hitachi Capital can arrange finance for treatments that cost between £1,000 and £50,000.

You can spread the cost of your treatment by choosing a payment term that suits you.

Can I get 0% APR finance?

You can apply for 0% APR finance, also called interest-free finance, for treatments that cost between £1,000 and £50,000 if you choose to pay back the total amount borrowed over 12, 18, 24 or 36 months.

If you choose a payment term of 48 or 60 months, finance is available at 7.9% APR representative.

From To Term Interest rate
£1,000  £50,000 12 0%
£1,000  £50,000 18 0%
£1,000  £50,000 24 0%
£1,000  £50,000 36 0%
£1,000  £50,000 48 7.90%
£1,000  £50,000 60 7.90%

Finance applicant must be aged 18 or over, a UK resident, have a UK bank account and be in permanent employment. All loans are subject to eligibility, status, affordability and a credit check. T&Cs apply.

Interest-free example- 0% APR finance

With this option, you spread the cost of your treatment over a period of time and, because there’s no interest, you don’t pay back any more than the cost of treatment.

0% APR 18 months

  • Treatment cost: £2000
  • Loan amount: £2000
  • 0% APR
  • Annualised rate of interest - 0%
  • Term: 18 months
  • Monthly repayments: 18 x £111.11
  • Total cost of credit: £0
  • Total amount payable: £1999.98

Interest-bearing example- 7.9% APR representative finance

With interest-bearing options for higher value treatments, you still spread the cost of your treatment with fixed-monthly repayments.

7.9% APR representative 48 months

  • Treatment cost: £6000
  • Loan value: £6000
  • 7.9% APR representative
  • Annualised rate of interest – 7.9%
  • Term: 48 months
  • Monthly repayment: 48 x £145.45
  • Total cost of credit: £981.60
  • Total amount payable: £6981.60

How do I sign up for patient finance?

After you agree your treatment plan with your clinician, you’ll have the option to apply for patient 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. Once you find out if you’re eligible for patient finance, you can use it to help pay for your treatment.

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. T&Cs apply.


The minimum spend for 0% APR is £250 and the maximum is £5999.99. The minimum spend for 7.9% APR is £6000 and the maximum is £50000.

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 Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The Register can be accessed through http://fca.org.uk. Registered Office: Hitachi Capital House, Thorpe Road, Staines upon Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491.

We'd like to advise patients that many images and videos used throughout our website were taken and produced before the COVID-19 outbreak. Therefore social distancing rules and extra levels of PPE are not displayed.

^ We may record or monitor our calls.

Bupa Dental Care is a trading name of Oasis Healthcare Limited. Registered in England and Wales number: 03257078. Registered office: Bupa Dental Care Vantage Office Park, Old Gloucester Road, Hambrook, Bristol, United Kingdom BS16 1GW.

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