Interest free dental finance options available
Benefits to you of our interest-free dental finance options:
- Spreading the cost of treatment might suit your current financial circumstances making the treatment you need/want a possibility
- Treatment when you need it most for example in time for an important life event such as a wedding
- Having treatment sooner rather than later might minimise discomfort, stress, and inconvenience as well as cost you less
- You do not have to dip into your savings which you might need for other important expenditures
Interest free dental finance 0% APR representative – illustrations
| Representative Example – Interest free (12 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £250.00 (monthly payment) |
| 12 (number of payments) |
| Interest rate: 0% p.a. fixed |
| 0.0% (representative APR) |
| £3,000.00 (total amount payable (incl. deposit) |
| £0.00 (total interest) |
| 0 months (deferral period) |
| Representative Example – Interest free (18 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £166.67 (monthly payment) |
| 18 (number of payments) |
| Interest rate: 0% p.a. fixed |
| 0.0% (representative APR) |
| £3,000.00 (total amount payable (incl. deposit) |
| £0.00 (total interest) |
| 0 months (deferral period) |
| Representative Example – Interest free (24 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £125.00 (monthly payment) |
| 24 (number of payments) |
| Interest rate: 0% p.a. fixed |
| 0.0% (representative APR) |
| £3,000.00 (total amount payable (incl. deposit) |
| £0.00 (total interest) |
| 0 months (deferral period) |
| Representative Example – Interest free (36 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £83.33 (monthly payment) |
| 36 (number of payments) |
| Interest rate: 0% p.a. fixed |
| 0.0% (representative APR) |
| £3,000.00 (total amount payable (incl. deposit) |
| £0.00 (total interest) |
| 0 months (deferral period) |
Interest bearing option @ 7.9% APR representative illustrations
| Representative Example – Interest bearing (48 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £72.72 (monthly payment) |
| 48 (number of payments) |
| Interest rate: 7.9% p.a. fixed |
| 7.9% (representative APR) |
| £3,490.34 (total amount payable (incl. deposit) |
| £490.34 (total interest) |
| 0 months (deferral period) |
| Representative Example – Interest bearing (60 months) |
| £3,000.00 (loan amount) |
| £0.00 (deposit) |
| £60.30 (monthly payment) |
| 60 (number of payments) |
| Interest rate: 7.9% p.a. fixed |
| 7.9% (representative APR) |
| £3,617.76 (total amount payable (incl. deposit) |
| £617.76 (total interest) |
| 0 months (deferral period) |
What is the maximum repayment term?
You can apply for finance at 0% APR*, also called interest-free finance, to pay for treatments that cost between £250 and £50,000, provided you select a repayment term of up to 36 months and subject to the amount of credit taken.
If you prefer a longer repayment term of 48 or 60 months, you can apply for finance at 7.9% APR representative*.
The table below details the range of repayment terms and minimum and maximum loan values that apply.
| Repayment Term (months) | Min loan value | Max loan value | APR Representative |
| 3 | £250 | £1,200 | 0% |
| 6 | £500 | £1,200 | 0% |
| 12 | £750 | £50,000 | 0% |
| 18 | £1,000 | £50,000 | 0% |
| 24 | £2,000 | £50,000 | 0% |
| 36 | £2,000 | £50,000 | 0% |
| 48 | £500 | £50,000 | 7.9% |
| 60 | £500 | £50,000 | 7.9% |
For further information please contact our reception team on 01242 655554
Terms and conditions
Applications are subject to status and a full credit check and applicants must be:
- 18 or over
- Resident in the UK for more than 12 months
- Have a UK bank account
- Be in permanent employment
Terms and conditions:
Finance applicant must be aged 18 or over, a UK resident, have a UK bank account and be in permanent employment. All loans are subject to eligibility, status, affordability and a credit check. T&Cs apply. Finance is available on private dental treatments only.
The minimum spend for finance is £250 and the maximum is £50,000. 0% APR representative is available on repayment terms of up to 36 months subject to the amount of credit. Finance taken at repayment terms of 48 or 60 months is subject to 7.9% APR representative.
FAQs
Arnica Dental Care and Bupa Dental Care are trading names of Oasis Dental Care Limited, Vantage Office Park, Bristol, BS16 1GW, whose company registered number is 00478127. Oasis Dental Care Limited is authorised and regulated by the Financial Conduct Authority FCA registration number 710559. Oasis Dental Care Limited is a credit broker and not a lender.
Finance is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491. The register can be accessed through www.fca.org