Cost and finance
Dental Implant Finance: 0% Interest and Monthly Payment Options
For adults in the UK considering dental implants but worried about paying upfront, this page explains how implant finance works at Deepcar Dental Care: interest-free (0%) plans up to 18 months and longer plans up to 60 months with a representative APR. Core takeaway: implant treatment can be spread into manageable monthly payments, with your exact plan confirmed at consultation.
Clinically reviewed by Dr Ibraheem Ijaz, Principal Dentist · GDC 301711 · 500+ implants placed · Last reviewed August 2026
Medical disclaimer: This page is for general information only. It does not replace an examination or treatment by a dentist.
How does dental implant finance work in the UK?
Dental implant finance lets you spread the cost of treatment into fixed monthly payments instead of paying the full amount upfront, subject to status.
At Deepcar Dental Care, dental implant finance (a payment plan arranged through a regulated lender) is agreed before treatment begins. You choose a term that suits your budget: an interest-free option over a shorter period, or a longer plan that lowers the monthly amount. Approval follows a straightforward eligibility check, and we set out the full details, including any deposit, in writing at your consultation, so the cost and terms are agreed before treatment.
What are the monthly payment options for dental implants?
You can pay monthly over an interest-free term of up to 18 months, or spread treatment over a longer plan up to 60 months.
A single dental implant at Deepcar Dental Care starts from GBP 2,400, and full-arch treatment such as All-on-4 (a technique that replaces a whole jaw of teeth on four implants) starts from around GBP 12,000 per jaw. Either can be spread into monthly payments: interest-free over up to 18 months, or over a longer plan up to 60 months, which lowers the monthly amount. Because prices depend on the individual case, the practice publishes indicative ranges rather than fixed figures, and your exact monthly payment is confirmed once your treatment plan is agreed. You can see the full cost breakdown for dental implants in the UK before you decide.
Every case is priced individually. Get yours in writing.
What does 0% finance for dental implants actually mean?
Zero percent finance means you repay only the treatment price across the agreed term, with no interest added.
With an interest-free plan (0% APR), the total you pay equals the cost of your treatment, divided into equal monthly instalments over the interest-free period. Nothing extra is charged while payments are kept up. This differs from a longer plan, where interest applies and a representative APR (the typical annual cost of borrowing, shown as a percentage) indicates what most approved applicants would pay. Both options are subject to status, meaning approval follows an eligibility check.
Representative example: GBP 3,000 over 18 months at 0% APR = GBP 166.67 per month, total GBP 3,000. Terms over 18 months at 10.9% APR representative. Finance is subject to status; terms and conditions apply.
Finance is provided by Tabeo Finance Limited, authorised and regulated by the Financial Conduct Authority (FRN 777539). Credit is subject to status and affordability. Terms and conditions apply. 18+ and income required. Representative APR 10.9%.
How do I apply for dental implant finance?
You apply through your consultation at Deepcar Dental Care, once your treatment plan and total cost are agreed.
1. Book an implant consultation. The GBP 100 consultation fee is redeemed against your treatment if you proceed.
2. Get your assessment and written plan. Dr Ijaz examines you, takes a CBCT scan (a 3D X-ray of the jaw) where needed, and sets out the total cost in writing.
3. Choose your term. Decide between an interest-free plan or a longer plan that lowers the monthly amount.
4. Complete the finance check. The lender runs an eligibility check, subject to status and affordability.
5. Start treatment. Once approved, your plan is set and treatment begins.
When to speak to your dentist
Speak to a dentist before committing to finance so the treatment total your monthly payments are based on is confirmed for your situation.
Finance only makes sense once you know exactly what treatment you need. A consultation at Deepcar Dental Care confirms whether implants are right for you, how many you need, and the true total, which sets your monthly payments. It is also the point to ask about deposits, terms, and what happens if your circumstances change. Any figures on this page are general illustrations, not a personal quote.
Questions, answered
Frequently asked questions
Is dental implant finance available with bad credit?
Finance is always subject to status, so approval depends on an eligibility and affordability check rather than a guarantee. If an application is not approved, the practice can discuss your options at consultation, such as a different term. Your consultation is the place to talk through what is realistic for you.
Do I need to pay a deposit for pay-monthly implants?
Whether a deposit is required depends on the plan and the amount financed. Some plans spread the full cost with no deposit, while others ask for a contribution upfront. We set out the exact terms, including any deposit, in writing before you agree to anything.
Can I get dental implants on the NHS instead of paying privately?
Dental implants are not routinely available on the NHS and are usually provided privately. The NHS funds implants only in specific medical cases, such as after cancer treatment or serious trauma. For most patients, finance is what makes private implant treatment affordable.
Does spreading the cost make dental implants more expensive?
Not with an interest-free plan, where you repay only the treatment price. On longer plans, interest applies and a representative APR shows the typical extra cost. Choosing the shortest term you can comfortably afford keeps the total as low as possible.
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