Beginner's Guide to Offering Finance on Dental and Cosmetic Treatments

Who Will Find This Guide Helpful?

• Dental practice owners wanting more patients
• Cosmetic clinics exploring payment options
• Patients considering treatments but worried about upfront costs
• Anyone curious about how "finance" options make care more accessible

If you nodded along to any of the above, grab a cuppa—this one’s for you!

What Does "Offering Finance" Mean?

Let’s keep it simple. “Offering finance” is when a dental or cosmetic clinic lets you spread the cost of treatment into smaller, more manageable payments, instead of paying for everything at once.

You benefit from more flexibility, while clinics can welcome clients who might otherwise hesitate.

Why Should You Care?

• Treatments can be expensive, and not all are covered by the NHS.
• Budgeting is easier when costs are spread out over time.
• Patients are more likely to go ahead with treatments they want or need.
• Practices benefit from more business and happier clients.

It really is a win-win situation.

How Does Dental and Cosmetic Finance Work?

Picture it like this:

1. You choose your treatment (teeth whitening, veneers, aesthetic procedures, and so on).
2. The clinic offers payment plans (in partnership with a finance broker like Kandoo).
3. You apply for finance—often online and right there in the clinic.
4. If approved, you pay monthly instalments instead of a lump sum.
5. Treatment can start without waiting around, since payment isn’t blocking your decision!

The process is quick, usually paperless, and designed to be hassle-free for both clinics and patients.

Real-Life Example

Imagine Sarah needs dental implants but finds the price upfront intimidating. Her dentist offers a finance plan through a trusted broker. Sarah applies on her phone in the waiting room, is approved in minutes, and chooses a 12-month payment plan. She gets the care she deserves, and her bank account stays happy.

Jargon Buster: Key Finance Terms

• Finance broker: The matchmaker between clinics and finance providers. (That’s Kandoo!)
• APR: "Annual Percentage Rate"—how much interest you’ll pay in a year.
• Eligibility check: A quick look at your finances to see if you qualify.
• Instalment plan: Spreading payments over time.
• Approval: The green light to go ahead with your payment plan.

FAQs

Is financing available for all treatments?
Not always—ask your clinic! Most common for private dental or cosmetic treatments that aren’t NHS funded.

Will a finance check affect my credit score?
Usually, only if you go ahead and apply for credit.

Can I pay off early?
Often, yes. Double check the terms or ask your provider.

Is this safe?
Authorised finance brokers in the UK are regulated to keep things fair and transparent.

Ready to Take the Next Step?

Whether you’re a clinic keen to delight your clients or a patient looking for options, offering finance could be just the thing to make treatments more accessible and stress-free.

Curious about how Kandoo can help?

Discover more about payment plans today on our website or get in touch for a friendly chat—let’s finance those smiles!