Dental Finance and Payment Options
Spread the cost of your dental treatment over manageable monthly payments. We offer 0% finance and low cost payment plans to make implants, cosmetic dentistry, Invisalign, and other treatments more accessible.
- 0% Finance Available
- Low Cost Monthly Payment Plans
- No Large Upfront Payment Required
- Available at Wilmslow and Northwich
- Dental Finance
The Treatment You Want Should Not Have to Wait
For many patients, the gap between wanting treatment and having it comes down to one thing: cost. Dental implants, Invisalign, cosmetic dentistry, and facial aesthetics all represent meaningful investments, and for most people writing a large cheque in a single payment is simply not how they manage their finances.
It does not have to be.
At Heritage Smile Group we offer flexible payment options that allow the cost of treatment to be spread over monthly instalments, making it easier to begin treatment without a significant upfront financial commitment. Whether you are considering a single dental implant, a full arch rehabilitation, Invisalign, or a smile makeover, there is a payment option that can help make it work.
Finance is arranged before your treatment begins. You know exactly what you will pay each month before you agree to anything, and there are no hidden costs or surprise charges along the way.
0% Finance, Pay Nothing Extra
Our 0% finance option allows you to spread the cost of your treatment over an agreed period with no interest added. You pay exactly the cost of your treatment, divided into equal monthly instalments, and nothing more.
This is the most cost-effective way to spread the cost of dental treatment and is available on a range of treatments and amounts. Eligibility is subject to a straightforward credit check carried out by Tabeo Finance Ltd.
Heritage Smile Group is a credit broker, not a lender. Finance is subject to status. 0% APR available on selected treatments through Tabeo Finance Ltd, authorised and regulated by the Financial Conduct Authority.
How do I apply?
Applying for 0% finance is straightforward and is arranged at the practice. Once your treatment plan and cost have been confirmed, the team will walk you through the application process. The application involves a short credit check carried out by Tabeo Finance Ltd and a decision is typically received quickly, often on the same day.
You do not need to apply before your consultation. Finance is arranged once you have a confirmed treatment plan and decided to proceed.
How much can I borrow?
The amount available through 0% finance depends on your individual circumstances and the outcome of the credit assessment. The team will confirm the finance options available to you when your treatment plan is in place. We will always ensure you have a clear picture of the total amount, the monthly repayment, and the repayment period before any agreement is made.
Do I have to pay a deposit?
A deposit may be required depending on the treatment and the finance arrangement agreed. Where a deposit applies, this will be confirmed clearly as part of the finance discussion and will be reflected in the monthly repayment calculation. There are no hidden deposit requirements and nothing will be taken without your knowledge and agreement.
How much will I pay each month?
Your monthly repayment is calculated by dividing the total treatment cost, less any deposit paid, by the number of months in the agreed repayment period. With 0% finance there is no interest applied, so the total amount you pay is exactly the cost of your treatment. An example will always be provided in writing before you agree to the finance arrangement.
How do I make the repayments?
Monthly repayments are made by direct debit. Your repayment date will be agreed when you set up the finance and payments are collected automatically each month for the duration of the agreement.
Who is the credit provider?
Our 0% finance is provided through Tabeo Finance Ltd. Full details of the credit provider, the finance agreement, and your rights as a borrower will be provided as part of the finance application process. Heritage Smile Group is a credit broker, not a lender. Finance is subject to status and eligibility.
Low Cost Monthly Payment Plans
Where 0% finance is not available or does not suit your needs, we also offer low cost payment plans that allow the cost of treatment to be spread over a longer period with a low representative APR. These plans provide greater flexibility on repayment length, allowing monthly payments to be kept lower where a longer repayment term is preferred.
Low cost payment plans are arranged in the same way as 0% finance and are subject to a credit assessment. The representative APR and the total cost of credit will always be confirmed clearly before any agreement is made.
How do I make the repayments?
Repayments on low cost payment plans are made by direct debit in the same way as 0% finance. Your monthly repayment amount, repayment date, and total repayment figure are all confirmed in writing before the agreement is set up.
When can I start treatment?
In most cases treatment can begin as soon as the finance arrangement is confirmed and any required deposit has been paid. There is no need to wait until repayments are complete. You receive your treatment now and repay over the agreed term.
What if I decide I do not want the finance?
If you change your mind after a finance agreement has been set up, you have a right to withdraw from the agreement within 14 days of signing it under the Consumer Credit Act. If you exercise this right, you will need to repay any amount already drawn down. Full details of your cancellation rights will be provided as part of the finance documentation.
Treatments Available on Finance
Finance is available across a wide range of treatments at Heritage Smile Group. The treatments most commonly financed include the following.
Dental Implants
Full arch packages, single implants, implant retained bridges, and implant retained dentures are all available on finance. Given the investment involved in implant treatment, finance is one of the most popular ways our patients manage the cost.
Full Arch Implant Packages
Our Silver, Gold, and Platinum full arch packages from £11,500 are available on finance, allowing monthly repayments that make a comprehensive smile rehabilitation significantly more accessible.
Invisalign
Invisalign Lite, Invisalign Full, and Invisalign Teen are all available on finance, making it easier to begin treatment without the full cost upfront.
Smile Makeovers
Comprehensive cosmetic treatment plans including veneers, composite bonding, and combinations of multiple treatments can be financed as a single package.
Porcelain Veneers
Individual veneer treatment or a full set of veneers can be financed over an agreed repayment period.
Facial Aesthetics
Selected facial aesthetics treatment plans are available on finance. Ask the team for details when your treatment plan is confirmed.
An Illustration of How Finance Works
The following is a representative example to illustrate how monthly repayments work. This is not a quote and the actual terms available will depend on the treatment, the amount borrowed, and the outcome of your credit assessment.
Example: Single Dental Implant (complete) , £2,300
0% Finance over 12 months | Low Cost Finance over 24 months | |
Total treatment cost | £2,300 | £2,300 |
Deposit | £230 | £230 |
Amount financed | £2,070 | £2,070 |
Monthly repayment | £172.50 | Subject to representative APR |
Total repaid | £2,300 | Confirmed at application |
Representative APR and exact repayment figures for low cost finance options are confirmed at the time of application. Finance is subject to status and eligibility.
Not Sure Which Treatment Is Right for You?
#SmileWall
- The Process
From Consultation to Starting Treatment, Step by Step
Consultation
For implant and orthodontic treatments, your consultation is free. For other treatments, the new patient examination gives the clinician the clinical picture needed to produce an accurate treatment plan. All consultations result in a written treatment plan and confirmed cost before you agree to anything.
Confirm Your Treatment Plan
Once you have a written treatment plan and confirmed cost, you decide whether to proceed. There is no pressure and no deadline. Take the time you need to make the right decision.
Discuss Finance Options
When you are ready to proceed, the team will discuss the finance options available for your treatment. You will be shown the available repayment terms, the monthly repayment figure for each option, and the total cost of credit where applicable. Everything is presented in writing.
Complete the Application
The finance application is carried out at the practice and involves a short credit assessment. A decision is typically received quickly. If your application is approved, the finance documentation is signed and the repayment schedule is confirmed.
Begin Treatment
Once the finance is confirmed and any required deposit is paid, treatment can begin. For most treatments there is no waiting period between finance approval and starting care.
Monthly Repayments
Payments are collected automatically by direct debit each month for the duration of your agreement. You will receive confirmation of your repayment date and amount before the first payment is taken.
- Finance Terms
What You Need to Know About Dental Finance
Finance is subject to status and eligibility. Not all patients will be eligible for every finance option. Eligibility depends on the outcome of a credit assessment carried out by our finance provider. The team will advise on the options available to you following the assessment.
Heritage Smile Group is a credit broker, not a lender. Finance agreements are arranged through a regulated third-party finance provider. Heritage Smile Group introduces patients to finance products but does not provide credit directly.
You have the right to withdraw from a finance agreement within 14 days. Under the Consumer Credit Act, you have a 14-day right of withdrawal from any credit agreement. Full details of your rights are provided in the finance documentation.
The total cost of credit is always confirmed before you agree. For any finance option where interest applies, the total cost of credit, the representative APR, and the total amount repayable are all confirmed in writing before you sign the agreement.
Your monthly repayments do not affect your treatment. Once finance is confirmed and treatment has begun, your treatment continues regardless of changes in your personal financial circumstances. If you have concerns about maintaining repayments at any point during your agreement, please contact the finance provider directly.
- Patient Testimonial
What Patients Say About Using Finance
“I had wanted dental implants for years but assumed I would need to save up for a long time before it was realistic. When the team explained the 0% finance option at my consultation I was genuinely surprised by how manageable the monthly payment was. I started treatment the following month and I am two thirds of the way through my repayments with a smile I could not be happier with.”
- Frequently Asked Questions
Questions Patients Ask About Dental Finance
Does applying for finance affect my credit score?
The credit assessment carried out as part of the finance application may leave a search on your credit file. If you are concerned about this, speak to the team before applying and they will explain the nature of the credit check involved. Soft searches, which do not affect your credit score, may be available as an initial check in some cases.
Can I pay off my finance early?
In most cases you can repay your finance agreement early. Early repayment may result in a reduction in the total interest payable on low cost finance plans. Full details of early repayment terms are provided in the finance documentation. Speak to the finance provider directly if you wish to make an early repayment.
What happens if my finance application is declined?
If your finance application is not approved, the team will discuss alternative options with you. This may include a different finance product, a different repayment structure, or alternative ways to manage the cost of your treatment. An unsuccessful finance application does not affect your ability to receive treatment at Heritage Smile Group.
Can I use finance for more than one treatment at the same time?
Where multiple treatments are planned as part of a single treatment plan, the combined cost can typically be financed as a single agreement. Speak to the team when your treatment plan is confirmed and they will advise on the most appropriate finance structure for your situation.
Is there a minimum treatment cost for finance?
There is a minimum amount required for finance to be available. The team will confirm whether your treatment cost meets the minimum threshold when discussing payment options. For treatments below the minimum, payment by card or other means is available.
What credit provider do you use?
Finance is provided through a regulated third-party finance provider. Full details of the credit provider are provided as part of the finance application. Heritage Smile Group is authorised and regulated as a credit broker for this purpose.
Can I apply for finance online before my consultation?
Finance applications are arranged at the practice following confirmation of a treatment plan and cost. You do not need to apply online in advance. The team will guide you through the process at the appropriate stage of your treatment journey.
