Finance for Dental Implants: 12 Best UK Payment Options
- Sadiq Quasim
- 1 day ago
- 17 min read
Replacing a missing tooth with a high-quality dental implant rarely comes cheap. In the UK you’re usually quoted somewhere between £1,800 and £2,500 per implant, while a full-arch “All-on-4” makeover can land north of £12,000 – £18,000. It’s no wonder the most common follow-up question is, “Can I pay monthly?”
This guide compares the twelve most practical ways to spread the cost in 2025, from interest-free clinic finance to credit cards, specialist medical lenders, and even the NHS Low-Income Scheme. We’ll flag which routes skip a hard credit check, what deposits you’re likely to be asked for, and how to keep borrowing costs low if your credit file is less than perfect. Most clinics ask for around a 10 % deposit, but some waive this when credit is strong. Expect clear examples of 0 % deals lasting 6–24 months, typical APRs of 6.9 %–14.9 % on longer terms, and tips for settling early without penalties.
Ready to map out a payment strategy that lets you focus on smiling rather than stressing over invoices? Let’s run through the 12 best ways UK patients are financing their new smile in 2025.
1. 0 % In-House Finance Through Your Implant Clinic (e.g. Wigmore Smiles & Aesthetics)
The easiest way to keep an implant bill manageable is often to let the clinic arrange the money for you. Most modern practices partner with a regulated lender and offer “0 % finance” that’s repaid by Direct Debit in neat, interest-free chunks. Because the dentist already has your treatment plan, the paperwork is short and approval can be given before you even leave the consultation room.
How the typical practice-run plan works
The clinic plugs into a consumer-credit platform authorised by the Financial Conduct Authority (FCA) or uses the FCA’s “exempt deferred payment” rules for terms under 12 months.
Borrowing range: £250 – £50,000, covering everything from a single implant to full-arch All-on-4.
Interest-free window: 6 – 24 months is standard; longer terms (up to 60 months) revert to a fixed APR, usually 9.9 %–10.9 %.
You sign an e-contract on a tablet; funds go straight to the dentist so treatment can start once any cooling-off period (usually 14 days) ends.
Why Wigmore Smiles is a standout example
Wigmore Smiles & Aesthetics in Luton offers one of the most flexible in-house packages we’ve seen:
0 % APR for up to 24 months, or 9.9 % APR for 25 – 60 months.
Available on premium procedures including Smile-in-a-Day and All-on-4, not just routine crowns.
A 3D iTero scan is done first, locking in a fixed quote so you’re not financing “guesstimate” fees that later creep up.
Approval can often be given during the same appointment, meaning no delay to surgery dates.
Eligibility, credit checks & deposits
Most lenders start with a soft search that doesn’t dent your credit score. If you pass the initial criteria (UK resident, 18 +, regular income), a full check follows only once you click “accept”. Clinics typically ask for a 10 % deposit to prove commitment, although strong applicants can be waved through with zero down. Identification (driving licence/passport) and an address history for three years are usually enough—no payslips required.
Pros & cons at a glance
Pros | Cons |
|---|---|
Instant decision while you’re still in the chair | Ties you to that specific practice |
0 % interest for up to two years | Treatment must often begin within 90 days |
No broker or arrangement fees | Early-settlement rules vary—check T&Cs |
Actionable tip
Even if you sign for a 60-month plan, ask the clinic to confirm that you can make extra payments at any time without penalties. By overpaying just £50 a month, you could slice a year off the term and save hundreds in interest—turning a good deal into a great one.
2. Specialist Dental Finance Lenders (Medenta, Chrysalis, Tabeo)
If your chosen implant clinic can’t offer the term you need—or you’d prefer to keep the borrowing separate—dedicated medical-finance companies are the next port of call. Medenta, Chrysalis, and Tabeo sit halfway between a bank loan and in-house 0 % plans: they know the dental market inside out, plug directly into thousands of UK practices, and can authorise five-figure treatment budgets within minutes.
What they offer that banks don’t
Purpose-built products that accept a signed treatment plan as proof of spend, so no need to haggle with a personal-loan underwriter.
0 % APR for up to 12 months on amounts from £350 to £50,000; longer options of 24–60 months at fixed 9.9 %–14.9 % APR.
Flexibility to fund add-ons (bone grafts, CT scans) under the same agreement, avoiding multiple credit lines.
Application process step-by-step
Your dentist emails or uploads the final quote to the lender portal.
You receive a link to an online form—five minutes to enter personal details and income.
Soft credit search returns an instant “accept”, “refer”, or “decline”.
If accepted, you e-sign the credit agreement (usually on your phone) and set a Direct Debit date.
A 14-day cooling-off period applies for 0 % deals; surgery dates are pencilled in but can be rearranged if you change your mind.
Who these lenders suit best
Full-arch or multi-implant patients financing £12 k–£25 k who want 3–5 year spreads.
People recently knocked back by high-street banks for having “non-essential medical” spend—these lenders treat implants as an asset, not a holiday.
Self-employed borrowers; most only request last year’s tax return if the loan tops £25 k.
Bad-credit considerations
Credit score below the UK average (≈580 on Experian) isn’t an automatic deal-breaker. Medenta and Chrysalis allow a joint applicant or homeowner guarantor to strengthen the file, while Tabeo has a “tier B” product capped at £5 k for applicants with light adverse history. Expect a slightly higher APR and compulsory 10 % deposit.
Pros, cons, hidden fees
Pros | Cons |
|---|---|
Decision in < 5 minutes; funds paid straight to dentist | £25–£30 late-payment charge if a Direct Debit bounces |
Section 75-like protection via Consumer Credit Act | Representative APR can hit 14.9 % on 60-month terms |
Early settlement rebates unused interest | £1–£3 monthly “credit-line fee” appears on some Tabeo plans |
Quick tip: if your quote is close to the lender’s next pricing tier (e.g. £10,050), ask the clinic whether splitting the invoice—deposit plus finance—drops you below it and shaves the APR. Little tweaks can save a surprising amount over five years of finance for dental implants.
3. 0 % Introductory Purchase Credit Cards
A long–interest-free credit-card deal can double as a short-term loan for your new implant without locking you into a clinic finance contract. Used properly, it’s the cheapest form of unsecured borrowing because you pay zero interest as long as the introductory window is still running and the minimum payment lands on time. Many patients combine a 0 % card with in-house finance for a hybrid approach to finance for dental implants.
How to use the 12–24 month 0 % window
Pay the implant deposit — or even the whole quote if your credit limit allows — on the new card.
Divide the outstanding balance by the number of 0 % months to set a fixed standing order: monthly payment = balance ÷ 24
Monitor statements; if you’re on track, you’ll clear the balance before interest kicks in.
If cash-flow improves, overpay. Extra payments shorten the term without penalty.
Best-in-class UK cards (2025)
Card | 0 % purchase length | Representative APR (after promo) | Perks |
|---|---|---|---|
Barclaycard Platinum | Up to 24 months | 24.9 % | No annual fee |
Sainsbury’s Bank Nectar | 22 months | 23.9 % | Bonus Nectar points |
Tesco Bank Purch. | 20 months | 24.9 % | Clubcard points + instalment plan feature |
Halifax Purchase | 18 months | 22.9 % | £20 statement credit when you spend £3k in 90 days |
Offers change often; check eligibility with a soft-search tool before applying to avoid unnecessary hard checks.
Practical safeguards
Section 75 of the Consumer Credit Act covers transactions between £100 and £30,000, so the card company is jointly liable if the clinic goes bust.
If your implant invoice tops your credit limit, ask the receptionist to run a split payment (part card, part debit card). Section 75 still applies to the full amount.
Pitfalls to avoid
Forgetting the diary date: the promo rate flips to ~21 %–25 % APR the day the offer ends.
Making cash withdrawals to pay a lab bill — classed as a cash advance, charged at around 5 % plus interest from day one.
Opening multiple cards in quick succession; each hard search chips away at your credit score and could hurt future borrowing options.
Used with discipline, a 0 % purchase card is a slick, fee-free way to bridge the gap between treatment day and your personal savings plan — effectively giving you interest-free breathing space to perfect that new smile.
4. Personal Medical Loans From Banks & Online Lenders
Not keen on tying the credit to one clinic? A straight-up personal loan—labelled “medical” or “home-improvement” on the application—puts cash in your bank so you can shop around for the best implant surgeon. Because the money is paid directly to you, there’s no treatment-start deadline, and you keep full negotiating power on price.
Typical terms and APR range
High-street banks (Barclays, NatWest, Halifax) and agile fintechs (Zopa, Cahoot, Monzo Flex Plus) currently advertise:
Loan size: £1,000 – £25,000
Repayment period: 3 – 7 years
Representative APR: 5.8 % – 12.9 % for mainstream borrowers
Rule of thumb: the larger the amount and the shorter the term, the lower the rate you’ll be offered.
When fixed-rate loans beat practice finance
A 0 % clinic deal is hard to top for 12–24 months, but a fixed-rate bank loan can win in two scenarios:
You need to stretch £15 k+ over five to seven years to keep monthly outgoings modest.
You plan multi-stage work with different specialists (e.g. sinus lift at one clinic, implants at another) and want a single pot of money.
Documentation you’ll need
Expect a fully underwritten process:
Last three months’ payslips or SA302 if self-employed
Proof of address (utility bill / council tax letter)
Final treatment quotation—helps justify the loan purpose and boosts approval odds
Bank statements if borrowing over £20 k
Upload takes five minutes; many lenders give an instant provisional decision.
Handling bad-credit or thin-file cases
Guarantor loans (e.g. Amigo) allow a family member with good credit to co-sign; APR around 49 %.
Credit-union loans cap interest at 42.6 % EAR—friendlier than payday credit.
“Near-prime” lenders like Likely Loans approve scores down to 500 but charge up to 39.9 % APR; only worth considering if implant need is urgent.
Pros & cons
Pros | Cons |
|---|---|
Cash paid to you—freedom to choose any implant provider | Arrangement or origination fee up to 3 % |
Fixed monthly payment for easy budgeting | Early-repayment penalty on some bank loans |
Improves credit mix when paid on time | Approval can take a few days, not minutes |
Run the numbers: even a mid-range 7.9 % APR over six years could add ~£2,600 interest to a £20 k full-arch plan, so always compare against shorter 0 % alternatives before signing.
5. Buy Now, Pay Later Platforms (Klarna, PayPal Credit, Clearpay)
Swipe-and-go “Pay in 3” buttons aren’t just for trainers and tech any more: a growing number of UK dental chains now let you split your implant invoice with consumer Buy Now, Pay Later (BNPL) services. For smaller treatment elements—say the initial 3-D scan (£200) or a temporary crown—BNPL can plug the gap between payday and surgery day without the paperwork of a full loan. Used carefully, the cost is £0 as long as instalments land on time.
How BNPL works for healthcare bills
The receptionist raises an online payment link powered by Klarna, PayPal Credit, or Clearpay.
You choose a repayment plan at checkout:
Klarna “Pay in 3” = three equal instalments over 60 days
PayPal Credit = 4 months 0 % on spends £99+, then 23.9 % APR
Clearpay = four fortnightly payments over six weeks
The platform settles the full amount with the clinic up-front; you repay the provider via card or Direct Debit.
No interest or fees if every instalment is on schedule.
Which dental groups accept BNPL in 2025
Together Dental and Perfect Smile have rolled out Klarna terminals across most surgeries.
Select Bupa Dental Care branches pilot PayPal Credit for treatments under £1,500.
Independent practices are catching up—just ask at reception; set-up is as quick as activating Apple Pay.
Credit check & spending limits
Sub-£1,500 Klarna or Clearpay transactions trigger only a soft search.
Go above that—or apply for PayPal’s longer credit line—and a hard check appears on your file.
Typical upper cap: £3,000, although repeat users sometimes see higher limits.
Pros, cons, and late-fee traps
Pros | Cons |
|---|---|
Instant approval; no clinic paperwork | Short repayment windows (6–16 weeks) |
Interest-free when paid on time | £6–£12 late fees per missed instalment |
Overpayments accepted without penalty | APR rockets to 23.9 %–29.9 % if you convert to revolving credit |
Pro tip: keep BNPL for bite-sized parts of the overall implant bill and pair it with 0 % clinic finance for the big-ticket surgical phase. That way you harness free credit while dodging the late-fee danger zone of fast-cycling BNPL plans.
6. Dental Membership & Maintenance Plans (Denplan, Practice Plan, Clinic Subscriptions)
Membership plans sit halfway between a savings pot and a mini-insurance policy. You pay a small set amount each month and, in return, routine dentistry is covered and larger treatments come with loyalty discounts. While they aren’t a direct line of credit like the options above, they can still trim hundreds of pounds off the overall finance for dental implants bill—especially if you’re spacing surgery over a year or two.
How monthly membership can soften implant bills
Inclusive check-ups, hygiene visits, and X-rays mean you don’t pay privately for the preparatory appointments every implant case needs.
10 %–15 % loyalty discount is applied to restorative work, including implant placement at many practices.
Some plans let you “bank” unused yearly allowance (often up to £500) and put it towards the surgical phase.
Emergency and trauma cover abroad prevents an unexpected chip or infection from derailing your implant schedule.
What does it cost? Typical tiers in 2025
Provider & Band | Monthly fee | What’s included |
|---|---|---|
Denplan Care A | £12 | 1 exam + 1 hygiene/yr |
Denplan Care E | £38 | Unlimited exams + hygiene |
Practice Plan Gold | £24 | 2 exams + 2 hygiene + 10 % off implants |
Wigmore Smiles Subscription | £19 | 2 hygiene, whitening top-ups, 15 % off implant fees |
Optional add-ons (£2–£6 per month) boost worldwide injury cover or lab-made mouthguards.
Who this route suits—and the fine print
Ideal for patients planning staged work—extractions this quarter, implants next—who want predictable outgoings and a built-in discount. It’s not a silver bullet for full-arch cases, because the plan rarely covers lab components, titanium fixtures, or sedation fees. Always read the exclusions list; some memberships stop the discount on special-offer implant packages. Treat it as a cost-reducer rather than a full payment strategy and it pairs nicely with 0 % finance for the surgical balance.
7. Dental Insurance with Implant Cover or Cash Benefit
Traditional dental insurance in the UK rarely pays the full cost of an implant, but a handful of premium policies now include either a fixed cash benefit per fixture or a partial reimbursement once you’ve served a waiting period. Used alongside a 0 % finance plan, the payout can trim hundreds off what you ultimately borrow.
UK policies worth a look in 2025
Policy | Monthly premium (from) | Cash benefit / reimbursement |
|---|---|---|
Bupa Dental 20 | £18 | £350 per implant, max 2 p.a. |
WPA Dental Implant Upgrade | £22 | 50 % of implant cost up to £600 |
Boots Dental Plan Plus | £16 | £250 per implant after 12 mths |
Premiums vary by age and postcode; run a quote to nail down your own figure.
How reimbursement works
Most insurers pay after treatment. You settle the dentist’s invoice up front—often via one of the finance for dental implants options we’ve covered—then send the paid receipt to the insurer. Payout is made by bank transfer within 10–14 days. Because the benefit is a fixed sum, it doesn’t matter if your clinic charges £1,800 or £2,400; the insurer still releases the same £250–£600.
Waiting periods & key exclusions
Waiting period: 6–12 months from policy start before implant claims are eligible.
Pre-existing missing teeth: almost always excluded.
Annual or lifetime cap: typically two implants per year or four per lifetime.
Additional work (bone grafts, CT scans) is not covered and must be financed separately.
Cost–benefit snapshot
Suppose you take Bupa Dental 20 at £18 pm:
Annual premium = £18 × 12 = £216 Benefit received for one implant = £350
Net saving: £350 – £216 = £134, effectively knocking ~7 % off a £2,000 implant quote. Take out the policy well before your treatment plan starts and you’ll pocket the difference without stretching monthly cash-flow.
8. Health Cash Plans & Employee Dental Benefits
Not every employer-backed benefit is as glamorous as private medical insurance, yet humble health-cash plans can still shave a meaningful chunk off the finance for dental implants bill. Rather than paying the clinic directly, these schemes reimburse you a set percentage of everyday healthcare costs—including dentist fees—once you submit an e-receipt. Think of them as a mini cashback card for healthcare: you pre-pay a modest monthly premium and claim the money back after treatment.
How cash plans work
A typical plan costs £10–£25 a month. Each policy year you receive an allowance—usually between £500 and £1,000—for dental treatment. Claims are processed online; upload your paid invoice and the provider refunds 50 %–100 % of the amount up to your remaining balance. Because the refund lands in your own bank account, you can funnel it straight into your 0 % clinic finance or credit-card repayment, effectively lowering the amount you need to borrow.
Major providers in the UK
Provider | Monthly premium (from) | Annual dental allowance | Reimbursement rate |
|---|---|---|---|
Simplyhealth Level 3 | £15.05 | £700 | 100 % |
Medicash Proactive 5 | £13.85 | £600 | 100 % |
BHSF Complete 80 | £19.99 | £1,000 | 80 % |
Figures are for adults aged 18–64 and correct as of September 2025.
Corporate benefits & salary-sacrifice
Over 1.5 million UK employees receive a cash-plan upgrade through work. Because premiums are often deducted before tax via salary-sacrifice, the real cost drops by 20 %–40 % depending on your tax band. Employers can also negotiate boosted dental limits—sometimes £2,000 or more—making the perk genuinely useful for multi-implant cases. Check the staff benefits portal or ask HR; you may already be enrolled without realising.
Pros & cons at a glance
Pros | Cons |
|---|---|
No medical underwriting or credit check | Annual cap too low for full-arch work |
Covers family members for a small extra fee | You pay first, claim back later—cash-flow still needed |
Works alongside any dentist, NHS or private | Allowance resets yearly; unused balance is lost |
In short, a health-cash plan won’t finance the whole implant journey, but it can knock a few hundred pounds off the bill each policy year and help you clear other borrowing faster.
9. NHS Low-Income Scheme & HC3 Certificates
If your household income is tight, the NHS Low-Income Scheme can slice some of the peripheral costs that crop up either side of private implant surgery. It will not, however, pay for the implant itself. Titanium fixtures fall outside routine NHS dentistry and are only funded in rare hospital cases – for example, after major trauma or congenital jaw defects signed off by an oral-maxillofacial consultant. For everyone else, the bill is private.
What the scheme can do is cap or wipe out standard NHS fees on Band 1–3 treatment. Think pre-implant X-rays, tooth extractions, antibiotics, or an emergency review if something feels “off” once your implant is in. These services typically cost £26.80–£319.10 in England, so getting them discounted keeps more of your budget free for the actual implant work.
Eligibility is means-tested. You complete form HC1 (paper or online), listing income, benefits, rent and savings; capital must sit below £16,000 (£23,250 if you live in a care home). Within four weeks you’ll receive an HC2 certificate (full help) or HC3 (partial help) stating the maximum you’ll pay per Band for the next 12 months.
Key myth to bin: “Full mouth dental implants free on the NHS.” Unless you meet those stringent hospital criteria, the Low-Income Scheme won’t bankroll cosmetic or comfort-driven implants. Use it strategically for the surrounding NHS work, then combine one of the finance options above for the private surgical phase.
10. Retail Finance Brokers Integrated at Practices (e.g. V12 Retail Finance)
Some implant clinics outsource their payment plans to a retail-finance broker rather than a single specialist lender. Platforms such as V12 Retail Finance, Hitachi Capital, and Novuna work a bit like price-comparison sites for credit: they pipe your application to a panel of banks in real time and surface the best match. Because multiple lenders bid for the case, approval odds often rise and deposits can drop to as little as £0 on strong files—handy if the treatment quote has already emptied your rainy-day fund.
How retail finance differs from specialist lenders
Multi-lender marketplace rather than a one-brand offer, so more chances of a “yes”.
The broker, not the dentist, holds the credit licence and handles all compliance.
Finance can be used for any private treatment invoice the practice raises, not just implants.
Typical credit tiers & APRs
Credit band (broker code) | 0 % term | Interest-bearing term | Representative APR |
|---|---|---|---|
A – Prime | 6–12 mths | 24–60 mths | 4.9 % – 7.9 % |
B – Near prime | 6 mths | 24–60 mths | 9.9 % – 12.9 % |
C–E – Sub-prime | n/a | 24–48 mths | 14.9 % – 19.9 % |
Lenders price risk in tiers: drop from band A to C and the monthly payment on a £8,000 implant case can jump by £46.
Documentation & speed
You complete a two-minute online form on the clinic’s tablet; the broker pings several lenders simultaneously. An instant provisional decision appears, you e-sign, and V12 (or whichever lender wins) settles the dentist within 24 hours. ID is normally enough—payslips are requested only if the loan exceeds £15 k.
Pros & cons
Pros
Higher approval rate thanks to panel matching
Zero or ultra-low deposit deals available
Still eligible for early-repayment rebates
Cons
Some brokers charge the clinic a “merchant fee” of 3 %–6 %; practices may add this to your quote—always ask
Hard credit search every time you apply, even if declined
Interest-free window usually capped at 12 months
Used shrewdly, broker-backed retail finance can plug the gap when in-house 0 % plans won’t stretch far enough, keeping your finance for dental implants both flexible and competitive.
11. Crowdfunding & Peer-to-Peer Lending
When mainstream borrowing stalls, some patients turn to the crowd—either asking for donations or borrowing directly from individual investors. Both routes can bridge a funding gap, but they demand time, transparency and a thick skin.
Platforms & success rates
GoFundMe / JustGiving (donations) – personal medical pages raise a median of £1,200–£1,800; only 15 % top £5,000.
FundRazr / CrowdFunder (UK-specific) – smaller audiences, but lower fees (3 %–4 %).
Zopa / Funding Circle (peer-to-peer loans) – unsecured loans from £1,000–£25,000; APRs 6.9 %–19.9 % based on credit score, with decisions in 48 hrs. Tip: list the purpose as medical/dental—investors often favour health-related pitches.
Crafting a compelling campaign
Upload before-and-after mock-ups provided by your dentist.
Break down the quote so backers see exactly where their money goes (implant £1,950, abutment £350, crown £450).
Tell a personal story—why the treatment will transform daily life, not just looks.
Keep momentum: post surgery updates, X-ray images, and thank-you videos. Campaigns with weekly updates raise up to 40 % more.
Tax & privacy considerations
UK donations are generally classed as gifts, not taxable income, but could affect means-tested benefits.
Peer-to-peer loans are a formal credit agreement; missed payments damage your score just like a bank loan.
Your story—and photos—live online indefinitely; future employers or partners can Google it.
Pros & cons
Pros | Cons |
|---|---|
Potentially interest-free (crowdfunding) or lower-rate than credit cards | No guarantee you’ll hit the target; timing unpredictable |
Community support can be emotionally uplifting | Public exposure of medical condition and finances |
P2P loans fixed-rate, no early-repayment fees | Platform fees 3 %–7 % cut into donations; loan APR may exceed clinic finance |
Crowd-based funding isn’t the first tool most patients reach for, but used alongside other finance for dental implants options it can close the final funding gap—especially if friends, family and social followers are keen to chip in.
12. Savings, ISAs & Budget-First Self-Funding
Paying cash sounds old-fashioned, yet it can be the single cheapest form of finance for dental implants. With no interest, no late-fee risk and—if you ask nicely—a 3 %–5 % “pay-in-full” discount from many clinics, the headline price is often the final price. The trade-off, of course, is time: you need to build the pot before the surgeon picks up the drill.
Smart ways to grow the pot
Lifetime ISA (LISA) – Anyone 18–39 can stash up to £4,000 a year and bag a 25 % government bonus. Bank the money in April and you’ll have £5,000 ready for implants the following summer.
Regular-saver accounts – First Direct (7 % AER) and NatWest Digital Saver (6 % AER) let you drip-feed up to £300 a month. Interest compounds faster than in an easy-access account.
Spending sweeps – Apps like Monzo or Starling round everyday card purchases up to the nearest pound and funnel the spare change into a ring-fenced “implant pot” automatically.
12-month savings worksheet (example)
Item | Monthly target | Notes |
|---|---|---|
Implant quote | £2,100 | Single premolar |
Pay-in-full discount (5 %) | –£105 | Confirm with clinic |
Net amount to save | £1,995 | |
Standing order (£1,995 ÷ 12) | £166.25 | Set for payday |
Weekly equivalent (£1,995 ÷ 52) | £38.36 | Easier psychological goal |
By automating the £166.25 transfer on payday, you remove willpower from the equation—money you never see is money you won’t spend.
Pros & cons at a glance
Pros
Zero interest, zero credit-score impact
Possible early-payment discount from the dentist
Full cost certainty—no surprises down the line
Cons
Treatment delayed while you save
Inflation can nibble away at buying power if goal is >18 months out
Requires discipline; dipping into the pot resets the clock
For patients whose oral health allows a short wait, self-funding is a clean, stress-free complement—or alternative—to the borrowing routes we’ve covered. You’re in control of both timeline and budget, which is ultimately the most empowering form of finance for dental implants.
Choosing the Right Payment Path
No single finance route fits every mouth or budget. When you weigh up a plan, run three quick checks:
Can the monthly figure live happily alongside your other outgoings?
What will the total cost of borrowing look like if you carry the agreement to term?
Does the deal leave head-room on your credit file for life’s other surprises?
Plenty of patients blend strategies—0 % clinic finance for the surgical phase, a cashback credit card for the final crown, and a health-cash plan refund to trim the balance. This “mix-and-match” method keeps interest low while protecting cash-flow.
Still unsure which levers to pull? Book a free implant-finance consultation with the team at Wigmore Smiles & Aesthetics. We’ll crunch the numbers, soft-check your eligibility across multiple lenders, and map out a payment schedule that lets you focus on your new smile, not the spreadsheet.
