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How to Finance Private Healthcare in the UK

Many private treatments are available on finance — including 0% interest-free options. Spread the cost of IVF, dental implants, laser eye surgery, and more from under £100/month.

0% finance available5 specialist lendersFCA regulated

Finance calculator

Estimate monthly payments for your treatment

£500£25,000

Monthly payment

£351.48

Total payable

£4217.73

Total interest

£217.73

At 9.9% APR over 12 months, you would pay £217.73 in interest on top of the treatment cost. Ask your provider about 0% finance options.

Representative example. Actual rates depend on your credit profile and the finance provider. Treatment finance is subject to status. Always check the total amount payable before signing a credit agreement.

How medical finance works

1

Choose your treatment

Find your treatment and provider on Treatcompare. Check if they offer finance.

2

Check eligibility

Soft credit check with no impact on your credit score. Decision in minutes.

3

Spread the cost

Fixed monthly payments over 6–60 months. 0% options available at many clinics.

What can you finance?

IVF cycle

£4,000–8,000

£166/mo at 0% over 24 months

Dental implant (single)

£2,000–3,500

£83/mo at 0% over 24 months

Invisalign

£2,500–5,500

£104/mo at 0% over 24 months

Laser eye surgery

£2,000–5,000

£83/mo at 0% over 24 months

Egg freezing cycle

£2,500–5,000

£104/mo at 0% over 24 months

Cosmetic dental veneers (6–8)

£3,000–10,000

£125/mo at 0% over 24 months

UK medical finance providers

Chrysalis Finance

Dental, cosmetic surgery, fertility

from 0% APR

6–60 months

UK's leading healthcare finance provider. 0% options available at participating clinics. Soft credit check with no footprint.

Medipay

Dental, cosmetic, veterinary

from 0% APR

6–60 months

Specialist medical finance. 0% options at partner clinics. Apply online, decision in minutes.

Dividebuy

General healthcare, dental, optical

from 0% APR

3–36 months

Interest-free and low-APR options. Point-of-sale finance at participating clinics.

Tabeo

Dental, aesthetics

from 0% APR

2–60 months

Buy now pay later for healthcare. 0% options available. Digital-first application.

Humm (flexifi)

Dental, cosmetic

from 0% APR

2–60 months

Formerly flexifi. Interest-free options up to 24 months at partner clinics.

0% finance vs interest-bearing: what to know

0% interest-free

  • No interest — you pay only the treatment cost
  • Typically 6–24 month terms
  • Clinic subsidises the interest
  • Best option if available for your treatment

Interest-bearing finance

  • APR typically 4.9%–19.9%
  • Longer terms available (36–60 months)
  • Lower monthly payments but higher total cost
  • Always check the total amount payable

What to check before signing

Before you apply

  • ✓Total amount payable (not just monthly payment)
  • ✓Whether the APR is fixed or variable
  • ✓Whether the initial check is a soft or hard search
  • ✓Cancellation and cooling-off terms
  • ✓What happens if treatment plans change mid-course

Your rights

  • ⓘConsumer Credit Act protection on all regulated agreements
  • ⓘ14-day cooling-off period after signing
  • ⓘSection 75 protection if paying by credit card (over £100)
  • ⓘRight to settle early with reduced interest
  • ⓘLender must treat you fairly if you fall behind

Frequently asked questions

Can I get 0% finance for medical treatment?
Yes. Many UK clinics offer 0% interest-free finance through providers like Chrysalis Finance, Medipay, and Dividebuy. The clinic subsidises the interest cost. Availability depends on the clinic, treatment value, and repayment term — typically 6–24 months for 0% options. Longer terms usually carry interest.
Does applying for medical finance affect my credit score?
Most medical finance providers offer a soft credit check (eligibility check) that does not appear on your credit file. A full credit check is only performed if you proceed with the application. Ask your provider whether the initial check is a soft or hard search.
What credit score do I need for medical finance?
There is no universal minimum credit score. Each lender has its own criteria. Most medical finance providers have higher approval rates than high-street lenders because the amounts are typically lower (£1,000–15,000) and the borrower is motivated. If you are declined by one provider, another may approve you.
Can I finance IVF treatment?
Yes. Many IVF clinics offer finance through specialist lenders. Typical options: 0% interest-free over 6–12 months, or low APR over 24–60 months. Some clinics also offer IVF refund programmes (pay more upfront, get a partial refund if treatment fails). Compare IVF clinic financing on our fertility page.
Is it better to use medical finance or a credit card?
If 0% medical finance is available, it is usually the best option — no interest and the treatment is protected under the Consumer Credit Act. If using a credit card, section 75 protection applies for purchases over £100. Avoid high-APR credit cards for medical treatment if 0% finance is available.
What happens if I can't keep up with payments?
Medical finance is a regulated credit agreement. If you cannot keep up payments, contact your lender immediately — they are required to treat you fairly. Missing payments will affect your credit score. Never commit to finance you cannot comfortably afford. Budget for the full course of treatment, not just the first instalment.

Compare treatment prices

IVF & Fertility
From £2,500/cycle
Dental
Implants, Invisalign
Eyecare
LASIK + lens surgery
Weight Loss
GLP-1 medications

Important information

Treatcompare is a comparison service. We do not provide financial advice or act as a credit broker. Finance examples shown are representative and for illustration only. Actual rates, terms, and eligibility depend on your circumstances and the finance provider. All medical finance agreements are regulated by the Financial Conduct Authority (FCA). Credit is subject to status and affordability checks.