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Dental treatment finance options

mydentist offers payment plans allowing you to spread the cost of your treatment. This means you can pay for the treatment you want over a period of time to suit you. Sounds interesting, doesn’t it?

The advantages at a glance

  • 1 Allows you to spread the cost - you can opt to have the treatment you want, when you want it, on a repayment plan to suit your circumstances.
  • 2 Wider choice of treatments - you can access a fuller range of treatments and choose the perfect option for you.
  • 3 Payment terms to suit you - with a range of credit and payment options available, you can choose the one best suited to your circumstances.
  • 4 No up-front deposit option - with no initial financial outlay, you can avoid dipping into your savings or having to find a lump sum to start your treatment.

So how much will it cost?

Use the none application calculator to give you an idea of the costs

Whitecross Dental Care Limited (registered office: Europa House, Europa Trading Estate, Stoneclough Road, Kearsley, Manchester M26 1GG. Company No. 244415) is part of the mydentist group. Whitecross Dental Care Limited is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority with registration number: 674183. Credit is provided by Secure Trust Bank PLC trading as V12 Retail Finance with whom we have a commercial relationship (and so we are unable to provide independent advice) and is subject to age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority

Want to know more?

We’ve tried to answer all your questions here

Who can benefit?

Just about anyone over the age of 18, subject to status. You don't have to belong to a private plan. You don't even have to be a regular visitor at this practice.

What can I use it for?

You can use a payment plan to pay for most treatments, and are particularly suited to cosmetic, aesthetic, orthodontic or dental implant work. Please ask a member of our reception team if you would like to check if your treatment is eligible.

How much can I borrow?

Dependent upon the type of credit, you can borrow from £350. This will be subject to status. Most patients receive a decision on their application within a day so they can agree their treatment plan soon after your check-up. Please speak to us about what options are available to you.

How do I make the repayments?

Much like any other loan facility, you repay them in monthly payments over an agreed term. These payments are collected by direct debit.

How much will I pay?

We provide repayment schemes, where you will be given a quotation that shows the monthly payment and the total interest payable over the term of the loan. There are no hidden costs and an up-front deposit is not always necessary.

What are the repayment terms?

Designated members of the practice team will be able to go through the various terms with you and agree the most suitable repayment period.

How do I apply?

Once you've agreed on a course of treatment - and a cost - with your clinician, we'll take some basic details and email you the application to complete at your own convenience. As soon as the completed application has been approved and processed you'll receive written confirmation from the credit provider. It's as simple as that!

Who is the credit provider?

Credit is provided by Secure Trust Bank PLC trading as V12 Retail Finance.

What happens if my treatment costs more than expected?

Firstly, we will make you aware of the situation as soon as it becomes apparent. Secondly, you can choose to have an additional facility to cover the extra costs.

What happens if my treatment costs less than expected?

The remaining balance of your loan will be reviewed by the lender and options for reducing your loan will be discussed.

How often can I use the facility?

You can apply for a payment plan for each course of treatment, subject to status.

How do I complain about my financial product?

If you wish to raise a complaint, please contact our Patient Support Team here.

In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response.

Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk.