Helping you have the treatment you really want


Quick, easy and confidential online loan applications

By partnering with Chrysalis Finance, Clyde Munro is able to offer our patients a simple and affordable way to spread the cost of your dental treatment with an interest free payment plan.

The benefits to you…

  • No need to wait – you can have the treatment you need right now, as putting off dentistry may result in it becoming more extensive, invasive and expensive.
  • No need to ‘think about it’ – interest-free finance gives you more choices and allows you to have the treatments you really want, to improve your confidence and smile.
  • Monthly repayments to suit your budget – you can spread the cost of your treatment over a suitable period for peace of mind. All finance options are provided by leading credit suppliers and are subject to status. Our team can help you with the application – it’s simple.
  • No complicated forms and an instant decision – the simple application is completed online in privacy, a decision given within seconds and the agreement signed online using e-signature, all in just a few minutes.

How much are the repayments?

Obviously this will depend on the amount you borrow and whether you pay a deposit. Our staff will show you, completely without obligation, the monthly repayments for your particular treatment.

And with our Interest Free Option plan, you take out a loan at 9.9% APR over a term of 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 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, and you have 12 months to decide.

Examples of the monthly repayments for different value treatments are shown below:

Treatment cost £1,000.00 £2,500.00 £4,000.00
Deposit paid £0.00 £500.00 £1,000.00
Amount of credit £1,000.00 £2,000.00 £3,000.00
If the interest free option is exercised and the loan is settled within the 12 month option period:
11 monthly payments £21.00 £42.00 £63.01
Amount of final payment £769.00 £1,538.00 £2,306.89
APR 0.0% 0.0% 0.0%
Total amount repaid, including deposit £1,000.00 £2,500.00 £4,000.00
If the interest free option is not exercised and the loan runs for the full 60 month term:
60 monthly payments £21.00 £42.00 £63.01
APR 9.9% 9.9% 9.9%
Total amount repaid, including deposit £1,260.00 £3,020.00 £4,780.60

Frequently asked questions

How do I apply?

You will need to complete a simple, online credit application, which one of our staff can help you with. The information is transmitted to the lender immediately and a reply is usually received by return. You can then either sign a credit agreement that we print for you, or have it emailed for you to complete at home.

How much can I borrow?

You can borrow between £350 and £50,000, subject to status. You must be over 21 to apply, and you must have lived in the UK for at least 3 years.

Do I have to pay a deposit?

A deposit is not required, but if you want to pay one and so reduce the amount you borrow, this is completely up to you.

How do I make the repayments?

The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject the usual guarantee from your bank.

When can I start the treatment?

Immediately – as soon as the credit agreement has been signed.

What if I decide that I don’t want the finance?

There is a statutory ‘cooling off’ period of 14 days after signature during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.

Who provides the finance?

The finance is arranged through Chrysalis Finance Ltd., a company authorised by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193, and the lender is Shawbook Bank Plc.


Clyde Dental Practice Ltd trading as Clyde Munro Dental Group, is an Appointed Representative of Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking.