Spread the cost of your orthodontic treatment
- finance available from 0% APR, dependent on repayment term.*
Nothing says confidence like a straighter smile. With 0% finance available on teeth straightening treatments including traditional fixed braces and clear aligners, the smile you’ve always wanted is even more accessible.
100% confidence. 0% finance
Discover interest-free finance options for teeth straightening treatments up to £50,000, repayable between 12 - 36 months for more peace of mind (and even more smiles).
Need a little longer?
Interest-bearing options let you spread the cost of your braces across 48-60 months (for loans from £500 to £50,000 with an interest rate of 7.9% APR representative).
With more ways to pay and spread the cost of teeth straightening, there’s so many more reasons to smile. Discover finance options for orthodontic treatments including:
0% finance for up to 36 months*
Finance applicant must be a UK resident aged 18 or over, have a UK bank account and be in permanent employment. All loans subject to eligibility, status, affordability and a credit check. T&Cs apply.
How does finance work for orthodontic treatment?
Finance can make your journey to a straighter smile smoother by spreading the cost of treatment.
IInstead of having to pay for your teeth straightening treatment upfront or all in one go, you pay a set amount each month for a fixed period of time.
Do I need to pay a deposit?
It’s entirely up to you. You can choose to pay a deposit if it suits you, but you’re not obliged or required to do so.
You can decide if you want to pay a deposit at the application stage. If you choose to do so, it could lower the cost of your monthly repayments.
What finance options are available?
Novuna Personal Finance can arrange finance for orthodontic treatments that cost between £250 and £50,000.
You can choose a repayment term that suits you to spread the cost of teeth straightening treatment.
|
|
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% |
| Interest bearing credit | 48 | £500 | £50,000 | 7.9% |
| Interest bearing credit | 60 | £500 | £50,000 | 7.9% |
Can I get 0% APR finance for orthodontic treatment?*
Yes, you can apply for 0% APR* finance - also known as interest free finance - for orthodontic treatments that cost between £250 and £50,000 provided you select a repayment term of between three and 36 months and subject to the varying minimum amounts of credit as per the table above.
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.
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 and they can 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:
repayment term of 6 months at 0% APR representative*
When you select a repayment term of 36 months or less, there is no interest to pay, so you don’t pay back any more than 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:
repayment term of 36 months at 0% APR representative*
When you select a repayment term of 36 months or less, there is no interest to pay, so you don’t pay back any more than the cost of treatment.
Cost of treatment: £3,200
Deposit (optional): £0
Loan value: £3,200
Repayment term: 36 months
Interest rate: 0% p.a. fixed
Annualised rate of interest (APR representative): 0%
Monthly repayments: 36 x £88.88
Total interest: £0
Total amount repayable: £3,199.68
Interest-bearing representative example:
repayment term of 48 months at 7.9% APR representative*
If you choose a longer repayment term of 48 or 60 months, you can still spread the cost of treatment with fixed-monthly repayments, but you pay interest at 7.9% APR representative*.
Cost of treatment: £3,200
Deposit (optional): £0
Loan value: £3,200
Repayment term: 48 months
Interest rate: 7.9% p.a. fixed
Annualised rate of interest (APR representative): 7.9%
Monthly repayments: 48 x £77.56
Total interest: £523.03
Total amount repayable: ££3,723.03
Our orthodontists
*Finance 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.
Total Orthodontics 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
*Form Terms and conditions:
1. Free consultations are to discuss options and suitability for treatment. You may require a more in-depth clinical examination or diagnostic tests before treatment options can be discussed. There may be a charge for such examination or test, payable by you. The clinician will discuss this with you before any such examination or test takes place, which may be done during the same appointment as your free consultation.
2. Consultations subject to availability.
3. Free consultations available at participating practices only.
Total Orthodontics and Bupa Dental Care are trading names of Oasis Dental Care Limited. Registered in England Wales No: 00478127. Registered office: Bupa Dental Care, Vantage Office Park, Old Gloucester Road, Hambrook, Bristol, United Kingdom BS16 1GW.
