Dental Treatment Financing Options

Forest & Ray Dental Practice offers:

• 0% APR (Interest-free) Financing for up to 36 months with mandatory deposit
• 9.9% APR financing for longer terms with no mandatory deposit

In the calculator choose Apply now with Chrysalis. If you choose Calculate your Chrysalis plan you will not see the mandatory deposit and minimum treatment price options unfortunately.

Through Chrysalis we provide you with several options to pay for your dental care without worrying about interest charges. Here's how it works:

Interest free dental financing options

• Choose a plan that fits your budget: We offer 0% APR financing for 6, 10, 18, and 36 months.
• The longer the term, the smaller your monthly payment, but the higher the upfront deposit required:
  • 6 months: £2777 minimum treatment cost, 10% deposit.
  • 10 months: £1940 minimum treatment cost, 15% deposit.
  • 18 months: £3124 minimum treatment cost, 20% deposit.
  • 36 months: £3332 minimum treatment cost, 25% deposit.

Example 1, (18 months, 0% APR)

• Treatment name: 2 Dental implants
• Total cost: £5,000
• Deposit: £1,000
• Loan amount: £4,000
• Monthly payment: £222.22

Example 2, (36 months, 0% APR)

• Treatment name: All-on-4 — Same day implant (one arch)
• Total cost: £16,500
• Deposit: £4,125
• Loan amount: £12,375
• Monthly payment: £343.75

9.9% APR dental financing options

• If your treatment costs more than £999, you can choose a plan with a slightly higher interest rate (9.9% APR) but no mandatory deposit.
• These plans offer longer terms of 12, 24, 48, and 60 months.

Example 1 (24 months, 9.9% APR)

• Treatment name: 2 Dental implants
• Total cost: £5,000
• Deposit: £0
• Loan amount: £5,000
• Monthly payment: £229.57

Example 2 (60 months, 9.9% APR)

• Treatment name: All-on-4 — Same day implant (one arch)
• Total cost: £16,500
• Deposit: £0
• Loan amount: £16,500
• Monthly payment: £346.53

Remember

• All plans require credit approval.
• Be sure to review the full terms and conditions before making a decision.

Talk to our team today!

We're happy to answer any questions you have about our financing options and help you find the plan that's right for you.

In the calculator choose Apply now with Chrysalis. If you choose Calculate your Chrysalis plan you will not see the mandatory deposit and minimum treatment price options unfortunately.

Frequently asked questions about our financing options

How do I apply?

You will need to complete a simple online application: the information you will provide will go straight to the lender, and a reply is usually received in return. You can then either sign a credit agreement that we print for you, or have it emailed for you to complete in your personal time.

How much can I borrow?

You can borrow between £999 and £25,000, subject to status. You must be over 21 to apply, and have been a resident in the UK for at least 3 years.

Do I have to pay a deposit?

A deposit is required for the interest free plans, but not for the 9.9% APR one.

How much are the repayments?

This will depend on the amount you look forward to, and whether you intend to pay for a deposit.

How do I make the repayments?

The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject to the usual guarantee from your bank.

When can I start the treatment? 

When the credit agreement has been signed, and the loan arrived to our bank account. In your application must specify the date when the treatment starts, and the money will be available to us couple of days before the start of the treatment.

What if I decide I do not want the finance plan? 

There is a statutory 'cooling off' period of 14 days, after the signed contract, during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.

Who provides the finance? 

You have been introduced to this webpage by Forest & Ray Ltd trading as Forest & RayDental Practice, which is an Introducer Appointed Representative of Chrysalis Finance Limited. Forest & Ray Ltd is a credit broker, not a lender. Chrysalis Finance Limited is authorised and regulated by the Financial Conduct Authority for credit broking and lending.