Finance

If you are paying for your own treatment, why not consider getting interest-free or low APR finance options to help spread the cost?

Finance options are available over 36, 48, and 60 months at 9.9% APR, but become interest-free if settled within the first 12 months. Finance is offered through our link with Chrysalis Finance*.

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. Please apply for finance at least two weeks prior to the date of your surgery.

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 are below.

Examples of monthly repayments over a 36 month period  
36 months - Example 1  
Carpal tunnel release surgery £1,600.00
Deposit £0.00
Amount of credit  £1,600.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £51.25
Amount of final payment £1,036.25
APR 0.0%
Total amount payable (incl deposit) £1,600.00
   
If the interest-free option is not exercised and the loan runs for the full 36 months term:  
36 monthly payments £51.25
APR 9.9%
Total amount payable (incl deposit) £1,845.00
   
   
36 months - Example 2  
Total hip replacement surgery £10,500.00
Deposit £0.00
Amount of credit  £10,500.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £336.35
Amount of final payment £6,800.15
APR 0.0%
Total amount payable (incl deposit) £10,500.00
   
If the interest-free option is not exercised and the loan runs for the full 36 months term:  
36 monthly payments £336.35
APR 9.9%
Total amount payable (incl deposit) £12,108.60
Examples of monthly repayments over a 48 month period  
48 months - Example 1  
Carpal tunnel release surgery £1,600.00
Deposit £0.00
Amount of credit  £1,600.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £40.20
Amount of final payment £1,157.80
APR 0.0%
Total amount payable (incl deposit) £1,600.00
   
If the interest-free option is not exercised and the loan runs for the full 48 months term:  
48 monthly payments £40.20
APR 9.9%
Total amount payable (incl deposit) £1,929.60
   
48 months - Example 2  
Total hip replacement surgery £10,500.00
Deposit £0.00
Amount of credit  £10,500.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £263.79
Amount of final payment £7,598.31
APR 0.0%
Total amount payable (incl deposit) £10,500.00
   
If the interest-free option is not exercised and the loan runs for the full 48 months term:  
48 monthly payments £263.79
APR 9.9%
Total amount payable (incl deposit) £12,661.92
Examples of monthly repayments over a 60 month period  
60 months - Example 1  
Carpal tunnel release surgery £1,600.00
Deposit £0.00
Amount of credit  £1,600.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £33.60
Amount of final payment £1,230.40
APR 0.0%
Total amount payable (incl deposit) £1,600.00
   
If the interest-free option is not exercised and the loan runs for the full 60 months term:  
60 monthly payments £33.60
APR 9.9%
Total amount payable (incl deposit) £2,016.00
   
60 months - Example 2  
Total hip replacement surgery £10,500.00
Deposit £0.00
Amount of credit  £10,500.00
   
If the interest free option is exercised and the loan is settled at the end of the 12 month option period  
11 monthly payments £220.52
Amount of final payment £8,074.28
APR 0.0%
Total amount payable (incl deposit) £10,500.00
   
If the interest-free option is not exercised and the loan runs for the full 60 months term:  
60 monthly payments £220.52
APR 9.9%
Total amount payable (incl deposit) £13,231.20

Circle Reading 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.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.

Finance is subject to status, and is arranged through Chrysalis Finance Ltd, PO Box 404, Alderley Edge, Cheshire, SK9 0EA

finance calculator

Have a question?

Contact our friendly team by calling 0118 922 0026 or email enquiries@circlereading.co.uk

Fast track your treatment

Just enter your details below and we'll ring you to provide a quote or answer your questions. We will use your personal information to process your enquiry and contact you with relevant information. For further information, please see our website privacy policy.

0118 922 6888

Circle Reading Hospital, 100 Drake Way, Reading, RG2 0NE

Good

Overall rating 16th November 2016