Patient Credit Facilities at Defy Time Cosmetics
Interest free and low cost payment plans | Affordable ways to pay for your treatment | 0% APR typical
Interest-free and low cost payment plans to pay for your treatment
Are you one of the thousands of patients considering cosmetic, aesthetic work? If so you might be interested in a service we provide right here – interest-free and low cost payment plans to fund your treatment.
An innovative and potentially much more affordable alternative to traditional options, our range of facilities enable you to get the treatment you want – the right treatment- and pay for it over an appropriate period.
Sounds interesting, doesn’t it? Here’s how it works....
Interest-free and low cost payment plans: your questions answered
We’ve tried to answer all your questions here. If there’s anything else you’d like to know, please contact us and ask a member of our Clinic team.
- Who can benefit?
- What can I use payment plans for?
- How much can I borrow?
- How do I make the repayments?
- How much will I pay?
- What are the repayment terms?
- How do I apply?
- Who is the credit provider?
- What happens if my treatment costs more than planned for?
- What happens if my treatment costs less than planned for?
- How often can I use the facility?
- THE BENEFITS: at a glance
Who can benefit?
Just about anyone over the age of 18. You don’t even have to be a regular visitor to the Clinic. Back to top.
What can I use them for?
You can use the payment plans to pay for most treatment, but they’re particularly suited to more costly private treatments such as aesthetic or cosmetic work. If you’re not sure whether they are right for your treatment, please ask you clinician. Back to top.
How much can I borrow?
Dependent upon facility you can borrow typically between £350 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 immediately. Back to top.
How do I make the repayments?
Much like any other loan facilities, you repay them in affordable monthly payments over an agreed term. These payments are collected by Direct Debit. Back to top.
How much will I pay?
With our 0% facility you pay the cost of your treatment-no more and no less. Interest-free means just that! In terms of the low cost facilities, we provide you with a quotation that shows the monthly payment and the total interest payable over the term of the loan. There are no hidden costs and no deposit is required. Back to top.
What are the repayment terms?
Your designated members of the clinic team will be able to go through the various terms with you and agree the most suitable repayment period. Back to top.
How do I apply?
Once you’ve agreed on a course of treatment-and a cost- with your clinician, 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! Back to top.
Who is the credit provider?
We’re working with one of the most respected credit providers in the business, Medenta. Ask our team for details. Back to top.
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 chose to have an additional facility to cover the additional costs. Back to top.
What happens if my treatment costs less than planned for?
This will be refunded either to you or to the lender who will then reduce the outstanding balance on your account. Back to top.
How often can I use the facility?
You can apply for a payment plan for each course of treatment, subject to the usual credit application. Back to top.
THE BENEFITS: at a glance
For anyone considering using our interest-free or low cost loan facilities to fund their private treatment, the benefits are clear:
- You get the treatment you want
- Treatment that will make you look and feel a million times better
- You get to spread the cost of that treatment over a suitable period
- Interest-free and low cost loans can be a much more affordable alternative to credit cards or bank loans
- It’s easy to apply and simple to repay by Direct Debit
- They’re provided by leading credit suppliers
| Treatment Cost | Facility | Term (Months) | APR | Monthly Payment | Total Payment |
|---|---|---|---|---|---|
| £1500.00 | Interest free | 12 | 0% | £125.00 | £1500.00 |
| £1500.00 | Low Cost | 24 | 7.9% | £67.59 | £1622.16 |
| £3000.00 | Low cost | 36 | 7.9% | £93.51 | £3366.36 |