Which Treatments Can Be Paid for Monthly?

Finance and payment options may be available for a range of private dental treatments, depending on the treatment plan and eligibility.

These can include:

🦷 Root Canal Treatment

Endodontic treatment can be required when the pulp inside a tooth becomes infected or significantly damaged.

At Centre of Dental Excellence, eligible patients may be able to spread the cost of root canal treatment through available payment options.

Root canal treatment finance from £95 per month, subject to the applicable terms, conditions and eligibility.

🦷 Dental Implants

Dental implants can be used to replace missing teeth and may involve several stages of treatment.

Because implant treatment can represent a significant investment, spreading the cost may make treatment more manageable for eligible patients.

Finance availability depends on the treatment plan and applicable criteria.

🦷 Dental Crowns

Crowns can be used to restore teeth that are damaged, weakened or heavily restored.

If a crown forms part of your treatment plan, monthly payment options may be available depending on the treatment value and finance arrangement.

😁 Invisalign and Clear Aligners

If you’re considering orthodontic treatment with Invisalign or another clear-aligner solution, finance may allow the cost to be spread over monthly payments.

Your dentist or orthodontic clinician will first assess your teeth and discuss whether clear aligner treatment is appropriate.

✨ Cosmetic Dentistry

Finance options may also be relevant to eligible cosmetic treatment plans, such as:

• Composite bonding
• Veneers
• Smile makeovers
• Teeth whitening
• Combined cosmetic treatment

Cosmetic treatment is elective, so you should always understand exactly what is included in your treatment plan and the total cost before proceeding.

🦷 Restorative Dentistry

Some patients require several restorative treatments rather than one isolated procedure.

For example, a treatment plan might involve:

• Multiple fillings
• Crowns
• Bridges
• Root canal treatment
• Onlays
• Other restorative procedures

Where appropriate, a finance arrangement can allow eligible patients to spread the overall cost of their agreed treatment plan.

What Does 12-Month Interest-Free Actually Mean?

The phrase “interest-free” means that under the relevant arrangement, interest is not added to the agreed treatment cost.

For example, if your agreed treatment cost is:

£2,400

and the arrangement is genuinely interest-free over 12 months:

£2,400 ÷ 12 = £200 per month

The total of the 12 monthly payments would equal £2,400, assuming there are no separate fees under that specific arrangement.

This is why it is important to distinguish between:

Interest-free finance

and

finance that carries interest or other charges.

Always check the terms of the particular payment arrangement before agreeing to it.

What About Tabeo Finance?

Tabeo offers finance solutions specifically designed for dental practices.

Its current finance platform shows examples of different repayment terms, including 0% APR options and longer-term options with APRs.

The exact product available to you can depend on:

• Treatment value
• Repayment period
• Finance product
• Eligibility
• Credit assessment
• Individual circumstances

This means we don’t want to suggest that every patient will receive the same monthly payment or finance terms.

Your individual finance agreement will tell you:

• The amount borrowed
• The repayment period
• The monthly payment
• Any applicable interest
• Any applicable fees
• The total amount repayable

Can I Get Dental Finance Without Paying Interest?

Sometimes, depending on the payment option available.

At Centre of Dental Excellence, our 12-month in-house payment option is interest-free, subject to the applicable arrangement.

Tabeo also offers certain 0% APR finance products, although the exact product, term and conditions available to an individual patient can vary.

It’s therefore important to distinguish between the specific finance products rather than assuming all dental finance is interest-free.

Is Dental Finance Available to Everyone?

No.

Finance is generally subject to eligibility and, where applicable, credit and affordability assessment.

Tabeo’s finance information states that eligibility and approval depend on individual circumstances.

Our team can explain the available options, but the finance provider ultimately determines whether an application is approved.

Will Applying for Dental Finance Affect My Credit Score?

This depends on the finance provider and stage of the application.

Tabeo’s consumer finance information indicates that applications can involve an initial soft credit check, while accepting a loan offer may involve a hard credit check.

The exact process should always be confirmed in the finance application and agreement.

What Does “Subject to Terms and Conditions” Mean?

You may see this phrase when dental practices advertise finance.

It is important because the headline monthly payment doesn’t necessarily apply to every patient or every treatment.

Your eligibility can depend on:

• The treatment amount
• The finance product
• The repayment period
• Your individual circumstances
• Credit and affordability checks
• The lender’s criteria

The full terms of your finance agreement will explain exactly what you will pay.

Example: How Could a Dental Treatment Be Spread Over 12 Months?

Let’s say your agreed treatment plan costs:

£1,800

With a 12-month interest-free arrangement:

£1,800 ÷ 12 = £150 per month

Or:

£3,000

£3,000 ÷ 12 = £250 per month

Or:

£4,800

£4,800 ÷ 12 = £400 per month

These are illustrative examples only.

Your actual payment depends on the treatment cost and the specific payment arrangement available to you.

What If My Treatment Costs More Than I Can Afford Over 12 Months?

This is where longer-term finance may be useful for eligible patients.

Rather than limiting every patient to a 12-month payment period, Tabeo provides longer-term finance products, subject to the specific agreement available.

A longer repayment period can reduce the monthly payment, but it may also mean that interest is charged and the total amount repaid is higher.

For example, a £5,000 treatment may be easier to manage monthly over a longer period than over 12 months, but the total cost of credit must be considered.

That’s why you should compare:

Monthly payment + interest + fees + total amount repayable

rather than looking only at the monthly figure.

Can Finance Be Used for a Treatment Plan Rather Than One Treatment?

Potentially, yes.

Some patients require a combination of treatments.

For example:

Example Treatment Plan

🦷 Root canal treatment
🦷 Crown
🦷 Dental hygiene
🦷 Additional restorative treatment

Rather than considering each treatment separately, your dentist can explain your overall treatment plan and the available payment options.

The finance provider’s criteria will determine which treatments and treatment values are eligible.

Why We Believe Flexible Payment Options Matter

We believe patients should choose dental treatment because it is clinically appropriate for their needs, not simply because they can or cannot afford to pay the entire cost on one day.

Providing clear payment options allows patients to:

✔ Understand the total treatment cost

✔ Consider different payment methods

✔ Discuss monthly payment options

✔ Plan treatment more comfortably

✔ Ask questions before committing

✔ Make a more informed decision

Finance isn’t suitable for everyone, and it shouldn’t replace careful consideration of your treatment.

But for eligible patients, spreading the cost can make private dental treatment more manageable.

Your Treatment Comes First

Finance should never be the starting point of a dental diagnosis.

Your first step should always be understanding what is happening with your teeth and gums.

Your dentist can assess your oral health and explain:

• What treatment you need
• Why you need it
• What alternatives may be available
• The benefits and limitations of each option
• The total treatment cost
• Which payment options may be available

Only then can you decide how you would like to proceed.

Dental Finance in Stanmore

If you’re looking for a private dentist in Stanmore and are concerned about the cost of treatment, Centre of Dental Excellence can discuss available payment options with you.

Our team provides a range of dental services, including:

🦷 General dentistry
🦷 Restorative dentistry
🦷 Root canal treatment
🦷 Endodontics
🦷 Dental implants
🦷 Dental crowns
🦷 Invisalign and clear aligners
🦷 Cosmetic dentistry
🦷 Smile makeovers
🦷 Dental hygiene
🦷 Facial aesthetics

Our clinic is conveniently located at:

📍 46 Church Road, Stanmore, Middlesex HA7 4AH

We welcome patients from:

• Stanmore
• Harrow
• Edgware
• Bushey
• Pinner
• Borehamwood
• Northwood
• Watford
• North West London

Which Payment Option Could Be Right for Me?

There is no single payment option that is right for everyone.

💙 Want to spread the cost over 12 months?

Our in-house 12-month interest-free option may be suitable for eligible treatment plans.

💳 Want a Tabeo option?

Tabeo may provide eligible patients with different finance terms, including 12-month and longer-term options depending on the available product.

📅 Need a longer repayment period?

A longer-term finance option may reduce the monthly payment, although interest and the total amount repayable need to be considered.

Our team can explain the available options following your treatment assessment.