Paying for dental treatment over time

Many private practices offer credit through an FCA-authorised lender, often interest-free over a short term. We do not compare lenders, name them, or earn anything from them — this page only sets out what to check before you sign.

• Ask for the total repayable, not the monthly figure. A low monthly payment over a longer term can cost hundreds more than the treatment.
• Check whether the interest-free period covers the whole balance or only part of it, and what rate applies afterwards.
• Confirm what happens if treatment changes. A plan agreed for one quote does not automatically cover extra work found at the appointment.
• You normally have 14 days to withdraw from a credit agreement. Ask how that works before you sign, not after.
• Check the lender on the FCA register at register.fca.org.uk. A practice is not itself the lender; it introduces you to one.
• Compare the total against the published prices on this site. Paying over time makes an expensive quote affordable — it does not make it typical.

Free, impartial guidance on borrowing is available from MoneyHelper, a government-backed service. DentistFees is not authorised by the Financial Conduct Authority, does not arrange, recommend or introduce credit, and earns nothing from any lender.

DentistFees does not arrange or recommend financial products. All finance is subject to status. Verify lender authorisation at register.fca.org.uk. Methodology.

We are not a lender, broker or financial adviser and we earn nothing from finance providers. DentistFees is not authorised by the Financial Conduct Authority and does not arrange, recommend or introduce credit. Dental finance is a credit agreement — check the APR, total repayable and your right to cancel, and consider free guidance from MoneyHelper before you borrow.