Dental finance calculator: monthly payments from your offer

Enter the amount, deposit, term and APR from your own dental finance offer to see the monthly payment, the total you repay and the interest.

  • Free
  • No registration
  • Your entries stay in your browser

How it works

  1. Enter the amountType the treatment cost into “Amount to pay”. If you pay part of it upfront, enter that in “Deposit (optional)”.
  2. Choose the termEnter the number of monthly payments from the offer in “Term in months”.
  3. Enter the APRType the APR shown on your own finance offer into “APR in % from your finance offer”. For an interest-free plan, enter 0.
  4. CalculateClick “Calculate payments”. You see the monthly payment, the amount financed, the total of all payments and the interest, so you can compare offers.

15 July 2026Date from which the FCA regulates Deferred Payment Credit (Buy Now Pay Later) Source

12 instalmentsDeferred Payment Credit is interest-free and repayable in 12 or fewer instalments over 12 months or less Source

Representative exampleCredit adverts must show the representative APR, total amount payable and the amount of each repayment Source

Firm CheckerCheck on the FCA register that a lender is authorised before you sign Source

How dental finance works

Dental finance means spreading the cost of treatment over monthly payments instead of paying everything at once. Some practices offer a payment plan, some work with a lender, and some people use a loan or a credit card. Whatever the form, three numbers decide the cost: the amount you borrow, the term and the interest rate, usually shown as an APR. This calculator uses the figures from your own offer to show the monthly payment, the total you repay and how much of it is interest.

When a firm advertises credit, FCA rules require a representative example. According to the FCA Handbook, it must include items such as the representative APR, the total amount of credit, the duration, the total amount payable and the amount of each repayment. The representative APR is an advertised figure, so always use the APR on the offer made to you personally. Enter 0 for an interest-free plan, and check whether any fees are charged on top.

Buy Now Pay Later and interest-free plans

Since 15 July 2026 the FCA regulates Deferred Payment Credit, often called Buy Now Pay Later. The FCA describes it as an interest-free form of credit, repayable in 12 or fewer instalments over 12 months or less. Lenders must check you can afford to repay, give you key information first, contact you if you miss a payment and support you if you struggle. Agreements taken out before 15 July 2026 remain unregulated.

The FCA also says deals where the same business supplies the goods and the credit remain unregulated. That can matter if a practice offers its own payment plan. Ask in writing who provides the credit, what happens if you miss a payment and whether the agreement is regulated. The FCA says Section 75 of the Consumer Credit Act may let you seek a refund if something goes wrong with a purchase, so ask whether it applies to your agreement.

  • Who is the lender, and is it authorised by the FCA?
  • What is the APR on my own offer, and are there fees?
  • What happens if I miss a payment or want to repay early?

Before you sign a dental finance agreement

Check the lender on the FCA Firm Checker. The FCA suggests searching for the firm, choosing the category for borrowing money and confirming it is authorised with permission to lend money on an unsecured basis. If you have a problem, ask the lender to put things right first. If you are unhappy with the response, you can complain to the Financial Ombudsman Service. Keep copies of the treatment plan, the quote and the credit agreement.

Finance does not change the cost of the treatment itself, but interest can add to what you pay in total. Compare the total payable with paying upfront, and think about whether the monthly payment fits your budget for the whole term. If you are planning treatment abroad, remember that travel and possible follow-up costs are not part of the dental quote. Ask your dentist which treatment you need first, then look at how to pay for it.

Frequently asked questions

What is dental finance?

Dental finance is a way to pay for dental treatment in monthly instalments instead of all at once. It can be a practice payment plan, a loan from a lender working with the practice, a personal loan or a credit card. The cost depends on the amount, the term and the APR. Use the calculator to see the monthly payment and total payable.

How do I calculate dental finance payments?

Enter the “Amount to pay”, any “Deposit (optional)”, the “Term in months” and the “APR in % from your finance offer”, then click “Calculate payments”. The calculator shows an estimate with equal monthly payments. Your binding figures are the ones in the lender’s agreement, including any fees.

What is a representative APR?

It is the APR shown in a credit advert as part of the representative example. FCA rules say the example must include the representative APR, the total amount payable and the amount of each repayment, among other items. It is an advertised figure, so for this calculator always enter the APR shown on the offer made to you.

Is 0% dental finance really free?

If the APR is 0% and there are no fees, you repay only the amount borrowed. Check the agreement for set-up fees, late payment fees and what happens if you miss a payment. Enter 0 as the APR in the calculator to see the monthly payment and compare it with other offers.

Is Buy Now Pay Later for dental treatment regulated?

The FCA has regulated Deferred Payment Credit, often called Buy Now Pay Later, since 15 July 2026. Agreements taken out before that date remain unregulated, as do deals where the same business supplies the goods and the credit. Ask whether your plan is regulated before you sign.

How do I check a dental finance lender?

Use the FCA Firm Checker. Search for the firm, choose the category for borrowing money and check it is authorised with permission to lend money on an unsecured basis. If a lender does not appear as authorised, the FCA explains how to check its temporary permission register. Do not sign with a firm you cannot find.

Can I complain about a dental finance agreement?

Yes. The FCA says you should first ask your lender to put things right. If you are unhappy with the response, you can complain to the Financial Ombudsman Service. For complaints about the private dental treatment itself, the General Dental Council points to the Dental Complaints Service.

Can I use dental finance for treatment in Turkey?

That depends on the lender and the agreement. Ask in writing who provides the credit, whether it is regulated in the UK and what happens if treatment needs to be corrected. Remember that flights, hotel and follow-up visits are not part of the dental quote, and add them to your budget separately.

Sources

This tool provides general information and calculates only with the values you enter. It does not replace an examination or advice from a dentist, your health insurer or a financial adviser.

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