- finance available from 0% APR*
Has the cost of teeth straightening treatment ever stopped you from getting the smile you’ve always wanted?
At Total Orthodontics, we believe everyone should have access to quality orthodontic treatment. That's why we can introduce you to Novuna Personal Finance, who can arrange finance as a useful way of spreading the cost of your treatment.
You can apply for finance to cover the costs of private orthodontic treatments such as:
Finance can make your journey to a straighter smile smoother by spreading the cost of treatment.
Instead 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.
No, it’s entirely optional. You can choose to pay one 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.
Novuna Personal Finance can arrange finance for orthodontic treatments that cost between £500 and £50,000.
You can choose a payment term that suits you to spread the cost of teeth straightening treatment.
You can apply for 0% APR* finance, also known as interest-free finance, for orthodontic treatments that cost between £500 and £50,000 if you choose to pay back the total amount borrowed over 12, 18 or 24 months.
If you prefer to pay back the total amount borrowed over a longer term of 36, 40, 48 or 60 months, you can apply for finance at 9.9% APR representative*.
You might want to borrow the minimum credit amount of £500, or the maximum of £50,000. Either way, there are options available. Here are some representative examples to show you how it all works:
When you select a repayment term of 24 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: £3,500
Loan value: £3,500
Repayment term: 24 months
Interest rate: 0% p.a. fixed
Annualised rate of interest (APR representative): 0%
Monthly repayments: 24 x £145.83
Total interest: £0.00
Total amount repayable: £3,499.92
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: £3,500
Loan value: £3,500
Repayment term: 48 months
Interest rate: 9.9% p.a. fixed
Annualised rate of interest (APR representative): 9.9% APR
Monthly repayments: 48 x £88.60
Total interest: £752.80
Total amount repayable: £4,252.80
After you agree your orthodontic treatment plan with your orthodontist, you’ll have the option to apply for finance through Novuna Personal Finance. If you decide to apply, you just need to share your email address with a member of the reception team and they’ll send you a link to a straightforward application form. If you find out you’re eligible for finance, you can then use it to spread the cost of orthodontic treatment, and achieve your dream smile.
If we are unable to complete your treatment with your practice before they close, we will advise you of the options available to you at this 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 from. If your new practice does not offer patient finance through Novuna Personal Finance, you would not be able to use this payment method.
If you have a patient finance agreement and you are mid-treatment, please contact your practice for further information.
If you have completed your treatment, but you are still paying patient finance, your agreement with Novuna Personal Finance continues unchanged.
*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 subject to eligibility, status, affordability and a credit check.
The minimum spend for finance is £500 and the maximum is £50,000. 0% APR representative is available on repayment terms of up to 24 months. Finance taken at repayment terms of 36, 40, 48 or 60 months is subject to 9.9% APR representative.
Total Orthodontics and Bupa Dental Care are trading names 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 no: 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;http://www.fca.org.uk/.