Interest-free or low APR finance

Spread the cost of your treatments with interest-free option finance, offered through our link with Chrysalis Finance*.

Finance is available over 36, 48, and 60 months @ 9.9% APR, all with the option to settle interest-free within the first 12 months if you choose.

How much can I borrow?

You can borrow between £1,500 and £50,000, subject to status. We don’t offer the finance option for procedures less than £1,500. You must be aged 21 or over and have lived in the UK for 3 years or more to apply.

How do I apply for finance?

Our friendly patient advisors can help you complete a simple online credit application. Most applications are approved straight away, so do not delay booking your treatment.

How much will I pay?

This will depend on the treatment cost and the amount you borrow; a deposit is not required but if you pay one it will reduce the amount of the loan – it is completely up to you. Examples of typical monthly repayments:

 

Examples of monthly repayments over a 36 month period

 

Example 1

Treatment cost for bilateral cataract procedure

£4400.00

Deposit

£0.00

Amount of credit

£4400.00

If the interest-free option is exercised and the loan is settled at the end of the 12 month option period:

11 monthly payments

£140.94

Amount of final payment

£2849.66

APR

0.0%

Total amount payable (incl Deposit)

£4400.00

If the interest-free option is not exercised and the loan runs for the full 36 months term:

36 monthly payments

£140.94

APR

9.9%

Total amount payable (incl Deposit)

£5073.84

 

Example 2

Treatment cost for a Hip replacement

£9700.00

Deposit

£0.00

Amount of credit

£9700.00

If the interest-free option is exercised and the loan is settled at the end of the 12 month option period:

11 monthly payments

£310.72

Amount of final payment

£6282.08

APR

0.0%

Total amount payable (incl Deposit)

£9700.00

If the interest-free option is not exercised and the loan runs for the full 36 months term:

36 monthly payments

£310.72

APR

9.9%

Total amount payable (incl Deposit)

£11185.92

 

Examples of monthly repayments over a 60 month period

 

Example 1

Treatment cost for bilateral cataract procedure

£4400.00

Deposit

£0.00

Amount of credit

£4400.00

If the interest-free option is exercised and the loan is settled at the end of the 12 month option period:

11 monthly payments    

£92.41

Amount of final payment

£3383.49

APR

0.0%

Total amount payable (incl Deposit)

£4400.00

If the interest-free option is not exercised and the loan runs for the full 60 months term:

60 monthly payments

£92.41

APR

9.9%

Total amount payable (incl Deposit)

£5544.60

 

Example 2

Treatment cost for a Hip replacement

£9700.00

Deposit

£0.00

Amount of credit

£9700.00

If the interest-free option is exercised and the loan is settled at the end of the 12 month option period:

11 monthly payments

£203.72

Amount of final payment

£7459.08

APR

0.0%

Total amount payable (incl Deposit)

£9700.00

If the interest-free option is not exercised and the loan runs for the full 60 months term:

60 monthly payments

£203.72

APR

9.9%

Total amount payable (incl Deposit)

£12223.20

 

Monthly payments are collected by Direct Debit and are subject to the usual guarantee from your bank.  Please ensure that all applications are processed 21 days prior to your surgery date. 

Circle Bath Hospital is an Appointed Representative of Chrysalis Finance Limited which is authorised by the Financial Conduct Authority to carry out the regulated activity of credit broking.

Finance is subject to status, and is arranged through:

Chrysalis Finance Ltd, PO Box 404, Alderley Edge, Cheshire, SK9 0EA