0% Finance and Low Cost Loans

0% Finance and Low Cost Loans

Octagon Orthodontics makes available 0% finance and low cost loans for a variety of treatments and services*. This gives you an affordable way in which to pay for the treatment that you want.

As well as allowing you to spread the cost of the treatment over a period that suits you, low cost finance is a much more affordable alternative to credit cards or bank loans and is easy to apply for & simple to repay by direct debit.

Low Cost Loans - Loans of £1,000 or more

  • Payable over a period of 24 or 36 months
  • Interest rate of 7.9%

0% Finance - Loans of £600 or more

  • Payable over a period of 6 or 12 months
  • Interest free
  • 40% deposit
  • Balance payable over 18 or 24 months
  • Interest free

Buy Now Pay Later - Loans of £250 or more

  • Payable in 6 months time over a period of 24 months
  • Interest rate of 19.9%
  • Pay off in full in 6 months time
  • Interest free

As innovative and potentially much more affordable alternatives to traditional options, our range of facilities enable you to get the treatment you want - the right treatment - and pay for it over an appropriate period. Sounds interesting, doesn’t it? Here’s how it works...

Interest-free and low cost payment plans: your questions answered

We’ve tried to answer all your questions here. If there’s anything else you’d like to know, please ask a member of our practice team.

Who can benefit?

Just about anyone over the age of 18. You don’t have to belong to a private insurance plan. You don’t even have to be a regular visitor at this practice.

What can I use them for?

You can use the payment plans to pay for a variety or treatments and services, but they’re particularly suited to more costly private treatments, such as orthodontic, aesthetic or cosmetic work. If you’re not sure whether they’re right for your treatment, please ask a member of our practice team.

How much can I borrow?

Dependent upon facility you can borrow typically between £250 and £50,000. This will be subject to an ‘on- site’ credit application. Most patients’ applications are approved there and then, so you can go ahead and schedule treatment immediately.

How do I make the repayments?

Much like any other loan facilities, you repay them in affordable monthly payments over an agreed term. These payments are collected by Direct Debit.

How much will I pay?

With our 0% facility you pay the cost of your dental treatment - no more and no less. Interest-free means just that! In terms of the low cost facilities, we provide you with a quotation that shows the monthly payment and the total interest payable over the term of the loan. There are no hidden costs and no deposit is required!

What are the repayment terms?

Designated members of the practice team will be able to go through the various terms with you and agree the most suitable repayment period.

How do I apply?

Once you’ve agreed on a course of treatment – and a cost, we’ll make the credit application on your behalf. As soon as this has been approved and then processed, you’ll receive written confirmation from the credit provider. Simple as that!

Who is the credit provider?

We’re working with one of the most respected credit providers in the business. Ask our team for details.

Medenta finance

How often can I use the facility?

You can apply for a payment plan for each course of treatment, subject to the usual credit application.

The benefits: at a glance

For anyone considering using our interest-free or low cost loan facilities to fund their private dental treatment, the benefits are clear:

  • You get the treatment you want - treatment that will make you look and feel a million times better
  • You get to spread the cost of that treatment over a suitable period
  • Interest-free and low cost loans can be a much more affordable alternative to credit cards or bank loans
  • It’s easy to apply and simple to repay by Direct Debit
  • They’re provided by leading credit suppliers


Treatment cost Facility Term (months) APR Monthly payment Total payment
£1500.00 Interest free 12 0% £125.00 £1500.00
£1500.00 Low cost 24 7.9% £67.59 £1622.16
£1500.00 Low cost 36 7.9% £46.76 £1683.18
£1500.00 Buy now pay later 24 19.9% £80.99 £1,943.87

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