- Interest free and low APR finance solutions
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Interest free and low APR finance solutions

 

Through our partner, Chrysalis Finance, we can help you spread the cost of your treatment with Interest Free Option finance solutions.


With our Interest Free Option finance, you can spread the cost of your treatment over 12 months interest free or, if you wish to spread repayments over a longer period, we offer low cost, 9.9% APR funding available over 36, 48 and 60 months. The minimum amount of credit available is £1,000.

 

How much can I borrow?

 

You can borrow between £1,000 and £50,000, subject to status. You must be aged 21 or over and have lived in the UK for 3 years or more to apply.

 

How do I apply?

 

You will need to complete a simple online credit application which one of our friendly staff will help you with. Most applications are approved straight away, so there's no delay to booking your treatment.

 

How much will I pay?

 

With our interest free option plan you take out a loan at 9.9% APR over a term of 36, 48 or 60 months, but at any time during the first 12 months you can opt to pay off the balance of the cash price (as long as all your monthly payments have been made on time), in which case all interest which has been charged is waived and the loan has effectively become interest free. The choice is completely up to you. No deposit is required.

 

Examples of repayments over a 36-month period

 

With our low cost plans, we will provide a quotation showing the monthly payment and the total interest payable over the term of the loan. As with our 0% interest option, there is no deposit to pay.

 

Examples of monthly repayments are below.

 

Example 1

 

Treatment cost for cataract procedure £2,200.00
Deposit £0.00
Amount of credit £2,200





If the interest-free option is exercised and the loan is settled within the 12-month option period:

11 monthly payments £70.47
Amount of final payment £1,424.83
APR 0.0%
Total amount payable £2,200.00






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

36 monthly payments

£70.47
APR 0.0%
Total amount payable £2,536.92

 

Example 2

 

Treatment cost for a hip replacement

£10,369.00
Deposit £0.00
Amount of credit £10,369.00





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

 

11 monthly payments

£332.15
Amount of final payment £6,715.35
APR 0.0%

APR 0.0%
Total amount payable

£10,369.00








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

36 monthly payments

£332.15
APR £9.9%
Total amount payable £11,957.40




 

 

Examples of repayments over a 60 month period

 

Example 1

 

Treatment cost for cataract procedure £2,200.00
Deposit £0.00
Amount of credit £2,200.00





If the interest-free option is exercised and the loan is settled within the 12-month option period:

11 monthly payments £46.20
Amount of final payment £1,691.80
APR 0.0%
Total amount payable £2,200.00






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

60 monthly payments £46.20
APR 9.9%
Total amount payable £2,772.00

 

Example 2

 

Treatment cost for a hip replacement £10,369.00
Deposit £0.00
Amount of credit £10,369.00





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

11 monthly payments £217.77
Amount of final payment £7,973.53
APR 0.0%
Total amount payable £10,369.00






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

 

60 monthly payments £217.77
APR 9.9%
Total amount payable £13,066.20

 




How are the repayments made?


Monthly payments are collected by Direct Debit and are subject to the usual guarantee from your bank.

If you would like to find out more, please call us on 01633 820300.

 

 

St Joseph’s Hospital (FRN 681804), an Appointed Representative of Chrysalis Finance Limited which is authorised by the Financial Conduct Authority to carry out the regulated activity of credit broking. *Funding options are subject to status.

 

 

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