0% interest
pre-approved
payment plans

To qualify for our flexible payment plans, applicants must meet the following criteria:

• Age requirement: Applicants must be at least 18 years old.
• Residency: Applicants should be residents of the United Kingdom.
• Bank account: A valid UK bank account is necessary for direct debit payments.
• Employment status: Applicants must be in permanent employment.

All loans are subject to eligibility checks, status verification, affordability assessments, and a credit check. This is all to make sure that the payment plan we offer you is appropriate for your financial situation. Terms and conditions apply to our financing agreements, and these will be communicated clearly when you are offered a plan. We recommend reviewing these details thoroughly before you sign your agreement.

At Direct Dental, we understand that quality dental care can be a significant investment. That’s why our flexible financing options cover a wide range of treatments, including general dentistry and restorative procedures. Whether you need a routine check-up, fillings, crowns, bridges, or even dental implants, a payment plan can help you spread the cost over time.

Cosmetic dentistry, including teeth whitening, veneers, and composite bonding, is also available for financing. Since most dental insurance plans do not cover cosmetic treatments, patients often need to explore alternative payment options. Our financing plans make it easier to achieve the smile you want without the burden of upfront costs.

We also provide financing for orthodontic treatments like Invisalign and traditional braces, which are also rarely covered by insurance as they are seen as cosmetic treatment for adults.

No, Direct Dental is not a lender. We provide access to flexible payment plans, but all financing is arranged through Medicred, a specialist dental finance provider. Medicred acts as the lender, offering payment plans that allow patients to spread the cost of their treatments over manageable monthly instalments.

When you apply for financing through Direct Dental, your application is processed by Medicred, which will assess your eligibility based on factors such as credit history and affordability. If approved, you will enter into a financial agreement directly with Medicred, and repayments will be made to them.

Our role at Direct Dental is to facilitate access to financing options so you can receive the treatment you need without delay. If you have any questions about the financing process or need help with an application, get in touch! Our team will be happy to give you as many details as you need.

Medicred is a UK-based company that specialises in helping patients finance dental treatments. Their goal is to make dental services more affordable and accessible for everyone, ensuring that financial concerns don’t prevent people from getting the treatment they need.

Founded in 2023, Medicred collaborates with trusted financial partners to offer transparent and reliable services. They focus on helping individuals manage the cost of treatments such as dental implants, ensuring accessibility to essential care. The company is committed to making dental health more accessible and prioritises customer satisfaction.

Medicred also partners with dental clinics so they are able to offer financing solutions. This helps improve patient care and treatment acceptance rates. These collaborations also aim to enhance the overall patient experience while supporting dental professionals in providing accessible care.

Yes, you can repay your finance agreement early without any penalties. Since financing is arranged through Medicred, you have the flexibility to settle your balance at any time without incurring extra charges. By doing so, you can reduce the overall length of your repayment term. Not only that, but you’ll be giving yourself additional disposable income each month that you would have had to set aside to pay the loan.

If you decide to pay off your balance early, simply contact Medicred’s customer service team, and they will provide you with a final settlement figure. You can choose to pay the full remaining balance or make additional payments to reduce your total loan amount.

At Direct Dental, we want to ensure your financing remains as flexible and manageable as possible. If you need assistance understanding your options, feel free to reach out to our team, and we’ll be happy to guide you through the process.

If you miss a repayment on your finance agreement, don’t worry!  Medicred’s flexible approach means you won’t be hit with late fees or charges for a missed payment. Infact, this is one of the things that sets Direct Dental financing apart – not all lenders offer this level of flexibility.

If you do miss a payment, it’s important to contact Medicred as soon as possible. They can help you get back on track by rescheduling or adjusting your payment plan to suit your circumstances. Open communication is crucial to finding the best solution.

To avoid missing future payments, you might want to set up reminders so that you can make sure you have the funds ready to come out of your linked account. At Direct Dental, we’re here to support you throughout your treatment and financing journey. If you need any assistance, feel free to reach out to our team and we’ll be happy to help.

While a good credit score can improve your chances of qualifying for dental financing, it’s not always a strict requirement. Many dental financing options offer flexibility, with some providers offering plans for individuals with less-than-perfect credit. However, a higher credit score often results in better loan terms, such as lower interest rates and higher approval amounts.

Even if your credit score isn’t perfect, you may still be eligible for a payment plan. Direct Dental offers flexible financing options and considers applicants on a case-by-case basis. They understand that everyone’s financial situation is different and are committed to finding the best solution for you.

If you’re concerned about your credit score, it’s always a good idea to speak with Direct Dental or Medicred to discuss your options. We can help guide you through the application process and provide additional information on how you can still access dental treatment, regardless of your credit history.