Do Dentists Do Payment Plans in the UK?

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Do Dentists Do Payment Plans in the UK?
Categories: Dental Health

When it comes to dental care, one of the primary concerns patients have is about financing the cost of their treatments, especially when it comes to complex or cosmetic procedures which can often mount into the thousands of pounds. Fortunately, for those based in the UK, many dental clinics now offer flexible payment plans to ensure everyone can access the dental care they need without undue financial strain – but how does it work? Let’s take a look.

What is a Dentist Payment Plan?

Put simply, a dentist payment plan is essentially an agreement between you (the patient) and the dental clinic, which enables you to spread the cost of a dental treatment over a set period, rather than paying in one lump sum. Depending on the clinic’s terms, these plans might be interest-free or may carry a nominal interest, especially if the payment duration is prolonged.

Financing options are a great way for those who need emergency or unexpected dental care to get the right care without worrying about costs, and also ensures patients don’t have to delay or avoid essential treatments because of financial constraints. Delaying dental treatment can severely impact your oral health, and can even result in more complex and costly treatments being needed in the long run.

Do Dentists Normally Offer Payment Plans?

While it’s not universal, an increasing number of dental clinics in the UK – including us at Smile Cliniq – are now offering payment plans for dental treatments. Both large dental chains and smaller individual clinics are realising the benefits of providing their patients with flexible payment options, especially given the potential high costs of some dental treatments and the ongoing cost of living crisis in Britain.

For more insight, you can read about why private dentists are so expensive in London.

No matter what treatment you’re looking for, it’s always a good idea to inquire about available payment options when considering a dental clinic or before embarking on any treatment; a transparent clinic will provide clear details about their pricing and any available payment schemes.

What Treatments Can be Offered as a Plan?

Typically, dental payment plans aren’t restricted to just a few treatments, and can encompass everything from preventive care like regular check-ups to more complex procedures. Whether you need fillings, root canals, crowns, veneers, orthodontic treatments, or even intricate cosmetic procedures, many clinics will offer a payment plan to help manage the costs. Learn more about your options for replacing damaged or decayed teeth if you are considering such treatments.

However, it’s essential to note that each dental clinic might have its criteria regarding which treatments are eligible for payment plans, such as credit history, a full-time job, or a percentage of the cost given as a deposit. Always make sure to sit down and discuss these terms with your chosen dental clinic to ensure you have clarity on this – and make sure you have this conversation before beginning any procedure.

Our Smile Cliniq Payment Plan

At Smile Cliniq, we offer both interest-free and longer interest plans for all our dental treatments performed in our London surgery, from crowns to dental implants. We understand that the cost of dental treatments can sometimes be a barrier for those seeking to improve their oral health, so we’re here to ensure anyone can achieve their dream smile, no matter their means.

If you’re considering dental implants, you might wonder, does dental implant surgery cost less in Eastern Europe? It’s a topic worth exploring.

If you’re considering a treatment here at Smile Cliniq, here’s what you can expect from our payment plan:


We at Smile Cliniq provide clear information about the total cost, the rate of monthly instalments, and any interest rates (if applicable) that you’ll need to pay for your treatment. There are no hidden fees or surprises – you can even use our financing calculator here to determine how much you’ll pay.


We understand that everyone’s budget is different, so we won’t force you into a short-term credit agreement that you can’t keep up with. Depending on the treatment and its cost, you can choose a payment period that suits your budget, from 12 months to 60 months (interest included.)

Ease of Application

The process to apply for a payment plan at Smile Cliniq is extremely straightforward, and our dedicated team will be on hand to assist you throughout every step of the application, ensuring a hassle-free experience.

Variety of Treatments

From basic dental care to advanced cosmetic treatments, many of our services at Smile Cliniq are available under our payment plan scheme.

Why Consider a Dental Payment Plan?

Immediate Access

As dentists, it’s our obligation to discourage you from delaying essential dental treatments – not only can your problems get worse, but they might even get more expensive to fix in the long run! Payment plans are here to enable you to access the care you need when you need it, especially when it’s unexpected.


Spreading the cost over several months makes it easier to manage payments without compromising other financial commitments, and we understand that the cost of living crisis is affecting every household in the UK.

Maintaining Your Oral Health

Regular dental check-ups are crucial for your overall oral health, as are fillings, cleanings, scalings, and other dental treatments that keep your teeth and mouth healthy. With a payment plan, you can ensure you can keep up with these without breaking the bank.

The Bottom Line

Ultimately, if your teeth are giving you problems, there’s only one option: get to a dentist! With the option of fair monthly payments and zero-interest offers here at Smile Cliniq, there’s no need to delay and defer your dental health needs due to upfront costs.

Article by: Dr Chetan Kaher

Dr. Chetan Kaher stands as a distinguished dentist, boasting a rich tapestry of accomplishments. A graduate of Guy’s King’s and St Thomas’s School of Medicine and Dentistry, he proudly holds a 1st Class BSc (Hons) in Oncology and Immunology. His expertise lies in cosmetic and restorative dentistry, augmented by advanced training, notably a Post Graduate Certificate in Dental Implantology and Restorative Dental Practice. Recognised as the Best Young UK and London Dentist in 2009, Dr. Kaher is lauded for his prowess in oral surgery, intricate restorative cases, and groundbreaking research in dental therapies. He actively contributes to esteemed dental organisations, cementing his authority and trustworthiness in the field.

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