Interest-Free Credit

Interest-Free Credit

0% APR

At Brixham Dental Practice we want you to look and feel your very best. We understand it is sometimes hard managing money and that’s why we have gone the extra mile of arranging interest Free Credit as an option to help you budget your dental care, and get that smile you have always desired.

Interest-free Credit to help budget your dental care

Now there’s nothing to stop you getting the smile you’ve always wanted. At Brixham Dental Practice you can arrange interest-free finance to cover the cost of your treatment* All you need is after you have been given your treatment plan, to arrange an appointment with our Patient care coordinator or practice manager to apply for the finance and we find out in minutes if you are accepted. You can then spread your payments over a period that suits your budget. You get the treatment you really want and are able to spread the cost of your treatment over a time period that suits you.

To apply for interest-free credit is a simple process that is completed within the practice or at home, it can be an alternative to credit cards or bank loans.

*treatment plan needs to be over £1000

Your questions answered

We've tried to answer all your questions here. If there's anything else you'd like to know, please ask our treatment co-ordinator Jess Coram or our Practice Managers Stephanie Dodgson or Abbie Parham.


Who can benefit?

Just about anyone over the age of 18. You don't have to belong to a private plan. You don't even have to be a regular visitor at this practice.

What can I use the finance for?

You can use the payment plan to pay for most treatment, but they're particularly suited to cosmetic, aesthetic, orthodontic or endodontic treatment. Just as long as your estimated treatment is over the £1000 threshold. If you're not sure, please ask your dentist.

How much can I borrow?

Dependent upon facility you can borrow typically between £1000 and £50,000. This will be subject to an 'on-site' credit application. Most patients' applications are approved there and then, so you can go ahead and schedule treatment after a 14 day cooling off period.

How do I make the repayments?

Much like any other loan facility, your repayments are made monthly and can be spread over a monthly term between 12-36 months. These payments are collected by Direct Debit.

How much will I pay?

With our 0% APR Representative facility, you pay the cost of your treatment - no more and no less. We offer interest free credit over 12 months, but if you wish to spread payments over a longer period, we can do this up to 36 months with an APR charge of up to 9.9%. There are no hidden costs.

What are the repayment terms?

0% finance over a period of 12 months interest free, up to 36 months available with an interest charge of up to 9.9%.

How do I apply?

Once you've agreed on a course of treatment - and a cost - with your dentist, we'll make the credit application on your behalf. As soon as this has been approved and then processed, you'll receive written confirmation from the credit provider. Simple as that!

Who is the credit provider?

We're working with one of the most respected credit providers in the business. V12 retail Finance. https://www.medenta.com/v12ultra/

Brixham Dental Practice, 19 New Road, Brixham, Devon, TQ5 8NB. Telephone 01803 853980. Brixham Dental Practice Limited trading as Brixham Dental Practice is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority, 735152. Registered in England & Wales 07041767. Registered Address: 19 New Road, Brixham, Devon, TQ5 8NB.

Where required by law, loans will be regulated by the Financial Conduct Authority and the Consumer Credit Act 1974.

Medenta Finance Limited, authorised and regulated by the Financial Conduct Authority No: 715523. Registered in Scotland, No: SC276679. Registered address: 50 Lothian Road, Festival Square, Edinburgh, EH3 9WJ. Tel: 01691 684175. Medenta act as a credit broker, not the lender and will introduce businesses to V12 Retail Finance Limited for which they will receive a commission. The amount of commission will vary depending on the product chosen and amount borrowed.

V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority. Registration number:679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance Limited act as a credit broker, not a lender, and only offers credit products from Secure Trust Bank PLC for which they will receive a commission, the amount will vary depending on the amount of credit taken out but will not vary depending on the product chosen. Secure Trust Bank PLC trading as V12 Retail Finance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered office: One Arleston Way, Solihull, B90 4LH.

Terms and conditions apply. Written quotations are available on request from Secure Trust Bank PLC. Credit facilities are subject to status and affordability checks and only available to UK residents over the age of 18. Secure Trust Bank PLC reserves the right to decline any application. APR and repayment details are correct at time of publish.

Telephone calls are recorded for training and compliance purposes.

What happens if my treatment costs more than planned for?

Firstly, we will tell you of this situation when it becomes imminent. Secondly, you can choose to have an additional facility to cover the additional costs or just pay direct to the practice in the usual way.

What happens if my treatment costs less than planned for?

This will be kept as a credit balance on your account for future dental treatment.

How often can I use the facility?

You can apply for a payment plan for each course of treatment, above the £1000 threshold, subject to the usual credit application.

The benefits: at a glance

For anyone considering using our Finance option to fund their dental treatment, the benefits are clear:

  • You get the treatment you want
  • You get to spread the cost of that treatment over a suitable period
  • Interest-free can be a suitable alternative to credit cards or bank loans
  • It's easy to apply and simple to repay by Direct Debit
  • Provided by a leading credit supplier

Interest-Free Credit Monthly Payment Calculator

12 Months
(0% APR)
24 months
(7.9% APR)
36 months
(9.9% APR)

To find out how you could benefit from spreading your payments using our finance options please call us today, to speak to a member of our practice team on 01803 853 980.