What if…
You could spread the cost of your surgery?
- 0% finance over 12 months
- 14.9% APR over 24-60 months
- Prices lower than you’d think, with no hidden costs*
0% interest surgery finance options and payment plans
Surgery finance is available over 12 months 0% or longer-term options available from 24-60 months 14.9% APR.
Through our partner Chrysalis Finance, we offer approved patients a range of funding options to pay for one-off private treatments.
This means you can spread the cost of your treatment using our interest free and low APR healthcare finance options, which can be arranged in advance.
Medical finance loan eligibility criteria
To be eligible for medical finance in the UK, you or your partner must be in full time employment, self-employed, or a recipient of a regular and consistent income. Additionally you must be over 18 years of age when your Finance Payment Plan starts, and have lived in the UK for at least the last three years.
How it works with Chrysalis Medical Finance
Step 1: Book a consultation
Step 2: Calculate your monthly repayments
Step 3: Apply for finance
From the treatments available to ways to pay, our helpful information guide provides all the details you need to know if you’re a self-pay patient.
The benefits of choosing to finance medical treatment
If you don’t wish to pay for your treatment in one lump sum, finance options can be an effective way to go. Financing your surgery will provide:
- fast access to treatment
- the ability to spread the cost over a longer time period
- 0% interest options
Illustration of payment terms
| Loan amount | APR | Repayments *Representative example: see below |
|---|---|---|
| £1500 | 14.9% | 24 payments of £72.00 per month |
| £2000 | 14.9% | 24 payments of £96.00 per month |
| £2500 | 14.9% | 36 payments of £85.41 per month |
| £3500 | 14.9% | 36 payments of £119.57 per month |
| £5000 | 14.9% | 48 payments of £136.56 per month |
| £6000 | 14.9% | 48 payments of £163.87 per month |
| £7900 | 14.9% | 48 payments of £215.76 per month |
| £9000 | 14.9% | 60 payments of £209.27 per month |
| £11,000 | 14.9% | 60 payments of £255.78 per month |
*Representative example: Total amount of credit £3,000.00. Total charge for credit £1,185.00. Total amount repayable £4,185.00. Repayable by 60 monthly payments of £69.75. Representative 14.9% APR. Example based upon treatment costing £3,000.00 repayable over 60 months.
Monthly payments are collected by Direct Debit and are subject to the usual guarantee from your bank.
Practice Plus Group Hospitals Limited trading as Practice Plus Group is an Appointed Representative of Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking.
A member of the Chrysalis Healthcare Group www.chrysalisfinance.com Chrysalis Finance Limited is authorised and regulated by the Financial Conduct Authority for credit broking (FRN:631193).
Calculate your plan with our medical finance calculator
How to finance surgery – patient guide
At Practice Plus Group, payment options are available for a range of different treatments and surgeries. The information below explores the types of payment options, applying for a loan, the application process itself, and how to choose the best option to suit your needs.
Choosing the right private surgery payment plan
While financing your surgery provides another useful payment method, before you choose a plan you will need to ask yourself the following questions:
- Can I comfortably meet the monthly repayment conditions?
- Is the set time period of the plan right for me?
- Do I meet the minimum eligibility criteria?
Understanding interest-free medical loans in the UK
Some private hospitals in the UK offer 0% interest-free loans and are a great option for patients to spread the cost within the selected repayment period.
Applying for a surgery loan
It’s easy to apply for a loan with Chrysalis Finance. Simply confirm your treatment cost and then speak with our friendly team who will be able to send you a link to apply.
Before applying for finance, make sure you can comfortably keep up with monthly repayments. There are some minimum requirements when it comes to applying for finance, these are:
- You are in full time employment or retired and have a source of steady income
- You are over 18 years of age
- You have been a UK resident for the past 3 years
Applications are subject to status, terms and conditions apply.
Any financing options will need to be sorted out in advance of your surgery date.
Types of private surgery finance in the UK
Payment options are available for a range of different treatments and surgeries. At Practice Plus Group, our most popular treatments are for cataract surgery, hip replacement surgery, and knee replacement surgery. The information below provides details on how to spread the cost of these procedures.
Spreading the cost of your cataract surgery
Financing your cataract surgery can help you avoid long NHS waiting lists. It can also help to plan your procedure around your other commitments. If you choose to do so, there are a few finance options available when it comes to covering the costs.
Financing hip replacement
At Practice Plus Group, we have a few hip replacement finance options to choose from.
Our finance options are available through Chrysalis, our finance partner. Finance is available over 12 monthly payments at 0% or longer-term options are available.
Financing knee replacement
With our finance partner, Chrysalis Finance, we provide another way of spreading the cost of your knee surgery. The payment plans allow you to spread the cost of your knee surgery using our interest-free and interest-bearing finance options. This can be arranged in advance.
Finance is available over 12 months at 0%. Longer-term options are also available.
Wellsoon private healthcare
Wellsoon is a service from Practice Plus Group that provides a range of treatments for patients paying for themselves or paying by private medical insurance. With no hidden costs, you’ll pay less than you might think and be back to your best sooner than you thought.
- £95 consultation within 1 to 2 weeks* – includes x-ray, bloods and swabs
- Surgery in just 4 to 6 weeks*
- Experts in hips, knees, eyes, hernias and more
- Pay for yourself or via health insurance
- 0% finance options available
FAQs on elective surgery finance
Not quite found the information you’re looking for? Our FAQs can help!
Medical financing is another way of paying for private healthcare. These medical loans allow you to repay the cost of your treatment via monthly repayments over a specific time frame. The repayment amounts depend on the cost of your treatment, any deposits paid, the APR selected, and the term of the agreement.
Yes, most private hospitals in the UK offer finance options to access their treatments. At Practice Plus Group, finance is available over 12 months 0% or longer-term options are available.
Yes, you can. Finance plans allow you to pay for your treatment in monthly instalments over a pre-agreed time frame. Please note that finance plans are subject to status and terms and conditions apply.
The alternatives to finance options are:
– paying for your treatment in a one-off lump sum via Wellsoon self-pay surgery
– covering the cost of your treatment using private medical insurance
– accessing healthcare via the NHS.
This will depend on your financial situation, eligibility criteria, and the type of surgery you need. Your credit rating and history will also play a part with regards to being approved for a loan for your medical treatment. Loans are subject to status, terms and conditions apply.
Yes, we offer finance options for our eye treatments, including cataract surgery. You can find more information about financing your cataract surgery in our dedicated guide.
Payments are collected by direct debit from your nominated bank account.
Our finance options are provided by our finance partners, Chrysalis. As the UK’s largest healthcare lender, they help thousands of people each year to access quality private healthcare.
It’s a completely digital application and usually takes just a few minutes to complete.
You will need to provide the following information:
– address history
– bank account details
– income and expenditure details.
You will be able to review and sign your agreement on screen.
Yes, you can cancel your loan at any point during your 14-day cooling off period. However, as cancelling your loan won’t automatically cancel your treatment, any costs incurred will need to be paid by alternative means.