Patient Finance | Bupa Dental Care UK (2024)

You can use patient finance to cover the costs of a range of private treatments, including:

• Dental implants
• Teeth straightening treatment
• Crowns, bridges and veneers
• Plus, many more treatments

How does patient finance work?

Patient finance makes your treatment accessible by spreading the cost.

You pay the same amount each month for a set period of time, so you don’t have to pay for your treatment in one go.

Check out our quick and easy to use finance calculator to get an estimate of what your repayment options might be.

Finance calculator

Do I have to pay a deposit?

It’s entirely up to you - a deposit isn’t required upfront. But you can choose to pay one if it suits you.

Paying an upfront deposit could reduce the cost of your monthly repayments. This is something you can decide at the application stage.

Can I get 0% APR finance?

You can apply for finance at 0% APR*, also called interest-free finance, to pay for treatments that cost between £500 and £50,000, provided you select a repayment term of 12, 18 or 24 months.

If you prefer a longer repayment term of 36, 40, 48 or 60 months, you can apply for finance at 9.9% APR representative*.

Bupa Smile Plan

Bupa Smile Plan is a proactive approach to protecting your oral health. It’s an annual plan of private routine check-up and hygiene appointments that you pay for monthly.

How it works

With a Bupa Smile Plan subscription, the cost of these routine appointments is spread across 12 equal and manageable monthly payments, making budgeting easier.

Benefits

Regular monitoring means that your dentist can spot the signs of any potential oral concerns. With early intervention, your dentist can manage them before they become bigger issues, or even avoid them altogether.

Find out more

Interest-free representative example - 0% APR* finance: repayment term of 24 months

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 - £2,000

Loan value - £2,000

Repayment term - 24 months

Interest rate - 0% p.a. fixed

Annualised rate of interest (APR representative) - 0%*

Monthly repayments - 24 x £83.33

Total interest - £0.00

Total amount repayable - £1,999.92

Finance calculator

Interest-bearing representative example - 9.9% APR representative* finance: repayment term of 48 months

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 - £2,000

Loan value - £2,000

Repayment term - 48 months

Interest rate - 9.9% p.a. fixed

Annualised rate of interest (APR representative) - 9.9% APR*

Monthly repayments - 48 x £50.63

Total interest - £430.24

Total amount repayable - £2,430.24

How do I sign up for patient finance?

Once you have agreed your treatment plan and cost with your clinician, you’ll have the option to apply for finance. If you’re interested, a member of the reception team will ask for your email address and send you a link to a simple application form to complete. If you’re eligible for finance, you can use it to help pay for your treatment. A decision is made very quickly, and you could be booking in your treatment in no time.