At sMiles Better, we can provide access to interest-free and interest-bearing finance options that allow you to spread the cost of treatment, making it more affordable.*
Finance Options
Choose the option that works best for you:
0% APR (interest-free)
Available for 6, 12, and 24 months
9.9% APR (interest-bearing)
Available for 36, 48, and 60 months
Frequently Asked Questions
Who can benefit?
Almost anyone, if you are over 18 and a UK resident, subject to status and usual credit checks. You don’t have to belong to a membership plan and you don’t need to be a regular visitor at this practice. Access to facilities will be subject to an online credit application.
What can I use it for?
You can use our finance options for just about any treatment we provide.
Please ask a member of the team for more details on 0161-796-2404.
What’s the minimum and maximum I can finance?
Our range of finance facilities cover any treatment which costs over £350* and up to a maximum of £25,000.
How do I make the repayments?
Much like any other finance facilities, you repay them in monthly payments over an agreed term. These payments are collected by Direct Debit.
How much will I pay?
With our interest-free facilities, you pay the cost of your treatment – no more, no less. In terms of the interest-bearing facilities, there will be an interest element which will be made clear to you at the outset. In both instances, we provide you with a quotation that shows the monthly payment over the term of the loan. There are no hidden costs and an upfront deposit isn’t always necessary.
What are the repayment terms?
Designated members of the practice team will be able to go through the various terms with you so you can decide which option works best for you.
How do I apply?
Once your treatment plan and costs have been agreed, you’ll be able to complete an easy-to-use online credit application.
How long does approval take?
The application takes just a few minutes to complete and the decision is given instantly. If your application is approved, we can schedule treatment following the mandatory 14-day ‘cooling-off’ period.
Who is the credit provider?
The dental practice, Medenta Finance Limited and V12 Retail Finance Limited are credit brokers and not lenders. Medenta introduces practices to V12, V12 only offers credit products from Secure Trust Bank PLC.
What if the cost of treatment changes?
We will let you know as soon as the situation arises. Should treatment costs increase, you can, depending on the amount, choose to have an additional finance option to cover the extra costs, subject to further credit status and affordability checks. If costs decrease, options can be discussed with the credit provider.
How often can I use the facility?
You can apply for finance for each course of treatment, subject to the usual credit check.
Can I make early repayments without a penalty?
Yes, there are no penalties for paying off your finance early. If you have an interest-bearing finance plan, you’ll only pay the interest that’s built up until the day you pay it off, helping you avoid future interest.
What are the minimum requirements to apply for finance?
You must meet the following criteria:
- Is 18 or older
- Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in parttime work or in receipt of a disability benefit
- Has been a resident in the UK or Jersey for at least 3 years
- Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
- Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
- Has an email address to receive the important information throughout the application process, including their signed credit agreement
0% APR representative example
| Treatment cost (cash price) | £3600 |
| Amount of loan | £3600 |
| Deposit | £0 |
| APR representative | 0% APR |
| Interest rate – fixed | 0% |
| Term (months) | 24 |
| Monthly payment | £150.00 |
| Total payment | £3600 |
The advantages at a glance
For anyone considering using finance facilities to fund their private treatment, the advantages are clear:
Makes treatment more affordable
By allowing you to spread the cost, you can opt to have the treatment you want, when you want it.
Payment terms to suit you
With a range of options available, you can choose the one best suited to your circumstances.
Greater choice of treatments
By making treatments more affordable, you can access a wider range of treatments and choose the one perfect for you.
No upfront deposit option
With the choice to opt for no initial financial outlay, you can avoid dipping into your savings or having to find a lump sum to start your treatment.