Most UK dental implant clinics offer finance through specialist dental lenders such as Chrysalis Finance, Medenta or Tabeo. Use the calculator below to see what your monthly payments would be — and how much extra you’d pay with interest versus an interest-free deal.
Dental Implant Monthly Payment Calculator
Find out what your monthly payments would be
How Dental Implant Finance Works in the UK
Dental finance in the UK is regulated by the Financial Conduct Authority (FCA). When a clinic offers you 0% finance, the interest is typically subsidised by the practice — the lender charges the clinic a fee rather than charging you interest. This means 0% deals are usually available only for shorter terms (12–24 months) and may require a deposit.
Longer terms (36–60 months) are usually only available at a standard APR, which for dental finance typically ranges from 9.9% to 19.9%. The monthly payment is lower, but the total cost is significantly higher.
0% vs APR Finance: Which Should You Choose?
If you can afford the monthly payments on a 0% deal, it is almost always the better option — you pay no more than the treatment price. The risk of 0% deals is that if you miss a payment, the 0% rate may be withdrawn and a penalty APR applied retrospectively. Always read the full terms before signing.
For patients who need longer terms to make the monthly payment affordable, a standard APR deal may be the only option. In that case, a shorter term (even at the same APR) reduces the total interest paid.
Can I Get 0% Finance for Dental Implants?
Many UK private dental practices offer 0% interest-free finance over 12 or 24 months through Chrysalis Finance or Medenta. Some practices extend 0% to 36 months for larger treatment plans. Eligibility depends on your credit score — these are regulated credit agreements. If you are declined for 0%, the clinic may be able to offer a lower APR alternative through a different lender.
Frequently Asked Questions
What is the typical APR for dental implant finance in the UK?
Most UK dental lenders offer finance between 9.9% and 19.9% APR for terms over 24 months. Some specialist dental lenders offer lower rates for larger treatment plans (£5,000+). Always compare the total amount repayable, not just the monthly payment, when assessing finance offers.
Can I get dental implants on 0% finance?
Yes — many UK dental practices offer 0% interest-free finance over 12 or 24 months through Chrysalis Finance, Medenta or Tabeo. Eligibility is subject to a credit check. Some practices extend 0% to 36 months for larger cases. Ask specifically about 0% options when requesting a quote.
Is a deposit required for dental implant finance?
Most dental finance arrangements require a deposit of 10–20% of the treatment cost. Some 0% finance deals require no deposit. Check the specific terms with your clinic before signing any agreement.