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Financing Your Surgery

Here at The Private Clinic, we understand the importance of flexibility when it comes to planning your surgical treatment with us. We are very transparent about our prices and you are able to get an idea of treatment costs right here on our website – just find the procedure or treatment you are interested in on the main menu.

Once you’ve made up your mind about having cosmetic surgery, we know that, for many patients, having finance options available can make all the difference to bring a life changing experience to reality. Our relationship with Pay 4 Later allows us to offer our patients:

  • a discreet and personal service
  • a simple and quick application process – online or over the phone (no paperwork required)
  • high acceptance rate
  • competitive repayment options, including 0% APR Representative interest free packages for approved applicants
  • choice of repayment periods

Finance Option 1 – 0% APR Representative over 6 months

You can choose to borrow from £500 to £10,000 and pay it back over 6 months with 0% interest free credit. A minimum deposit of £500 will be required. Please see the below example based on a procedure costing £3,000.

Representative Example: 
Cost of procedure £3,000.
Initial deposit payment £500.
Amount of credit repayable by 6 monthly installments of £417.
Total amount repayable £2,500. Interest Repayable – n/a.
Representative 0% APR.

Finance Option 2 – 4.9% APR Representative over 12 months

You can choose to borrow from £500 to £10,000 and pay it back over 12 months with a discounted 4.9% interest rate. A minimum deposit of £500 will be required with an administration fee of £75. Please see the below example based on a procedure costing £3,000.

Representative Example: 
Cost of procedure £3,000.
Initial deposit payment £500.
Amount of credit repayable by 12 monthly installments of £214.
Total amount repayable £2,565. Interest repayable £65.
Representative 4.9% APR.

Finance Option 3 – 14.9% APR Representative over 24 months

For procedures that do not qualify for interest free credit you can choose to borrow from £500 to £10,000 and pay back over 24 months with a discounted 14.9% interest rate. A minimum deposit of £500 will be required with an administration fee of £75. Please see the below example based on a procedure costing £3,000.

Representative Example:
Cost of procedure £3,000.
Initial deposit payment £500.
Amount of credit repayable by 24 monthly payments of £120.
Total amount repayable £2,880. Interest payable is £380.
14.9% APR Representative.

Finance Option 4 – 14.9% APR Representative 36 months

You can choose to borrow from £1001 to £10,000 and pay over 36 months with a 14.9% interest rate. A minimum deposit of £500 will be required with an administration fee of £75. Example given here based upon a qualifying procedure costing £3,000.

Representative Example:
Cost of procedure £3,000.
Initial deposit payment £500.
Amount of credit repayable by 36 monthly payments of £85.
Total amount repayable £3,075. Interest payable £575.
14.9% APR Representative.

Finance Option 5 – 14.9% APR Representative 48 months

You can choose to borrow from £1001 to £10,000 and pay over 36 months with a 14.9% interest rate. A minimum deposit of £500 will be required with an administration fee of £75. Example given here based upon a qualifying procedure costing £3,000.

Representative Example:
Cost of procedure £3,000.
Initial deposit payment £500.
Amount of credit repayable by 48 monthly payments of £68.
Total amount repayable £3,277. Interest payable £777.
14.9% APR Representative.

Call us today if you want to enquire about our Pay 4 Later Finance cosmetic surgery finance packages. We will be able to take you through the options available and arrange for your application and further information about the loan.

Consumer credit services are provided by Pay4Later Ltd. Pay4Later is licensed by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to www.pay4later.com/consumerfaq or visit www.pay4later.com
Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered, and provided with their full contact details.


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