The treatments you want, when you want them.
0% finance for treatments from £250*.
More ways to pay. Even more reasons to smile.
We all love having more options, and everyone deserves to feel confident when it comes to their oral health. Whether you’re facing an unexpected treatment, are in need of exceptional dental care or want to improve the appearance of your teeth, don’t let the cost of treatment get in the way of your smile.
Stuck with an unexpected dental bill or need routine care without the worry? Borrow from £250 over 3 months or from £500 over 6 months up to a maximum of £1,200 across both repayment terms.
Discover interest-free finance options for treatments up to £50,000, repayable between 12 - 36 months for more peace of mind (and even more smiles).
Interest-bearing options let you spread the cost across 48-60 months (for treatments between £500 - £50,000)
With more ways to pay and spread the cost of treatment, there’s so many more reasons to smile.
You can use finance to cover the costs of a wide range of private treatments, including:
- Dental implants
- Teeth straightening treatment
- Crowns, bridges and veneers
- Plus, many more treatments
How does patient finance work?
Finance makes a wide range of treatments more 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 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 £250 and £50,000. You’ll need to select a repayment term of between three and 36 months and subject to the varying minimum amounts of credit as per the below table:
Repayment Term (months) |
Min loan value |
Max loan value |
APR Representative |
|
|---|---|---|---|---|
| Interest Free | 3 | £250 | £1,200 | 0% |
| Interest Free | 6 | £500 | £1,200 | 0% |
| Interest Free | 12 | £750 | £50,000 | 0% |
| Interest Free | 18 | £1,000 | £50,000 | 0% |
| Interest Free | 24 | £2,000 | £50,000 | 0% |
| Interest Free | 36 | £2,000 | £50,000 | 0% |
If you prefer a longer repayment term of 48 or 60 months, you can apply for finance at 7.9% APR representative*, for treatments costing between £500 and £50,000.
Check your eligibility
Once you have your treatment plan and want to submit your application, our finance provider, Novuna, will do a soft search before you take out your loan. This means you can check your eligibility for credit with no impact on your credit score.
Bupa Smile Plan
Bupa Smile Plan is a private dental payment plan of routine year-round check-up and hygiene appointments that you pay for monthly.
How it works
Your routine appointments are spread across 12 bite-sized monthly payments, providing peace of mind and making budgeting easier.
Benefits
Regular monitoring through scheduled check-ups helps your dentist spot any potential oral concerns and treat them before they worsen.
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. They’ll 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 six months
When you select a repayment term of 36 months or less there is no interest to pay, so you won’t pay back anything but the cost of treatment.
Cost of treatment - £500
Loan value - £500
Repayment term - 6 months
Interest rate - 0% p.a. fixed
Annualised rate of interest (APR representative) - 0%*
Monthly repayments - 6 x £83.33
Total interest - £0.00
Total amount repayable - £500
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 won’t pay back anything but 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.
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 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 are subject to eligibility, status, affordability and a credit check. T&Cs apply. Finance is available on private dental treatments only.
The minimum spend for finance is £250 and the maximum is £50,000. 0% APR representative is available on repayment terms of up to 36 months subject to the amount of credit. Finance taken at repayment terms of 48 or 60 months is subject to 7.9% 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.uk
^ 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. Please see the list of our different trading names.
