Financial Arrangements

0% & Low Cost Finance
Affordable ways to pay for your treatment
Interest-free & low cost loans to finance your treatment

Are you one of the thousands of patients considering cosmetic, aesthetic, orthodontic or dental implant work? If so, you might be interested in a new service that the Start-Smiling provides - interest-free & low cost finance loans to fund your treatment.

Our range of innovative & potentially much more affordable alternatives to traditional options, enable you to get the treatment you want - the right treatment - & pay for it over a period that suits you. Sounds interesting doesn't it? Here's how it works...

Interest-free & low cost loans*:

Your questions answered:

We've tried to answer all your questions here. If there's anything else you'd like to know, please ask a member of our practice staff.

Who Can Benefit?
Just about anyone over the age of 18. You don't have to belong to a private dental plan.  You don't even have to be a regular visitor at this practice.

What can I use it for?
You can use the loan to pay for most dental or cosmetic work but it's particularly suited to more costly private treatments, such as dental implants, orthodontic, aesthetic or cosmetic work. If you're not sure whether it's right for your treatment, please ask a member of our practice staff.

How much can I borrow?
Depending upon facility you can borrow typically between £350 & £50,000. This will be subject to an 'on-site' credit application. Most patients' applications are approved there & then, so you can go ahead & schedule treatment immediately.

How do I repay the loan?
Much like any other loan, you repay it in affordable monthly payments over an agreed term. These payments are collected by Direct Debit.

How much will I pay?
With our 0% facility you pay the cost of your dental fees - no more & no less. Interest-free means just that!

In terms of the low cost loans we provide you with a quotation that shows the monthly payment & the total interest payable over the term of the loan. There are no hidden costs & no deposit is required!

What are the repayment terms?
A designated member of the practice team will be able to go through the various terms with you & agree the most suitable repayment period.

How do I apply?
Once you've agreed on a course of treatment - & a cost - with your medical practitioner, we'll make the credit application on your behalf. As soon as the credit application has been approved & the loan processed, you'll receive written confirmation from the credit provider. Simple as that!

Who is the credit provider?
We're working with one of the most respected credit providers in the business. Ask your practitioner for details.

Does my application cover my family as well?
No - each eligible member of your family will have to make their own application.

How often can I use the facility?
You can apply for an interest-free loan for each course of treatment, subject to the usual credit check.

The benefits: at a glance

For anyone considering using our interest-free or low cost loan facilities to fund their private treatment, the benefits are clear:

• You get the treatment you want - treatment that will make you look & feel a million times better
• You get to spread the cost of that treatment over a period that suits you
• Interest-free & low cost loans can be a much more affordable alternative to credit cards or bank loans
• It's easy to apply & simple to repay by Direct Debit
• They're provided by leading credit suppliers

To discuss the benefits in more detail, speak to one of the practice staff.

*Start-Smiling reserves the right to refuse any Interest Free or Low Cost Loans irrespective of  successful Credit Checks.