Finance & Payment Options
Worried about how you will pay for treatment? Here is every option, set out plainly. You will know the number before anything starts.
How to pay for dental treatment at Tower Dental Blackpool, set out honestly. It covers 0% finance over 6 or 10 months via V12, subject to status. It also covers dental plans, and your options if cost is a worry.
Why we publish this clearly
Cost is the biggest single reason people delay or avoid private dental care. Being upfront about finance helps you plan. It takes away some of the worry. And it lets you focus on the treatment rather than your wallet.
There are no hidden fees. There are no surcharges on any payment method we accept. And there are no early repayment penalties on our finance, which is 0% finance over 6 or 10 months via V12, subject to status.
0% interest-free finance
This is our most popular option for treatments of £500 and above. We work with V12 Finance, an FCA-regulated finance provider. On qualifying treatment plans, V12 offers 0% interest-free credit over 6 or 10 months, subject to status.
Credit broking: Tower Dental (Station House DC Limited) acts as a credit broker and not a lender. Credit is provided by third-party lenders, subject to status, affordability and a credit check. Finance is available to UK residents aged 18 and over.
| Treatment value | Term options (0% interest-free) | Example monthly |
|---|---|---|
| from £500 | 6 or 10 months | £50/mo over 10 mo |
| from £1,500 | 6 or 10 months | £150/mo over 10 mo |
| from £2,800 (typical implant) | 6 or 10 months | £280/mo over 10 mo |
| Invisalign + bonding (price at consultation) | 6 or 10 months | £500/mo over 10 mo |
| from £10,000+ (full-mouth cases) | 6 or 10 months at 0% | from £1,000/mo over 10 mo |
Note: finance is subject to status, affordability, and credit check. To apply, you must be 18+ and a UK resident. You must be in employment or have a regular income. You also need a UK bank account. Decisions usually come back in 60 seconds, on a tablet here at your consultation. You are under no obligation to use finance. You can switch to pay-as-you-go at any point during the application.
No obligation. You get a written plan and a price before anything starts.
The written quote is valid for 90 days. You can take it home, get a second opinion, or compare it with another practice.
£40 Smile Consultations are redeemable against treatment. You also have the right to cancel and receive a full refund of the £40 within 14 days of booking, unless your consultation takes place sooner. See our terms.
If cost is a real barrier
Please tell us. We will sit down with you and go through your options honestly.
Sometimes there is a lower-cost option that still works clinically. Composite bonding instead of veneers, say, or a partial denture instead of an implant. Sometimes we can stage treatment over 6–12 months to spread the cost. Sometimes it makes sense to start a dental membership plan, to get the 20% restorative discount. And sometimes the right answer is to refer you back to NHS care. If that is clinically right for you, we will do it without judgement.
We never pressure patients into treatment. If a treatment plan looks too expensive, that's a conversation, not a closed door.
Other Ways to Pay
Open any section you want to read. Nothing is hidden — tap a heading.
Can I pay as I go at Tower Dental?
The simplest option. Pay for each appointment or treatment as you have it. We accept:
- Cash
- UK debit cards (no surcharge)
- UK credit cards (no surcharge)
- Apple Pay and Google Pay
- Bank transfer (for larger treatments — payment must clear before treatment day)
What do Tower Dental membership plans cost?
This suits you best if you want to budget for routine care across the year. Our adult plan is £19.50/month. It includes:
- 2 examinations per year
- 2 hygienist appointments per year
- Necessary X-rays
- 15% off most restorative (repairing damaged teeth) treatment. Laboratory fees are not included.
- Worldwide dental emergency assistance (via Denplan)
Children's plans start at £9.99/month. They cover similar routine preventive care. Practice Plan or Denplan run the plans, and you pay by Direct Debit. You can read the full terms on our dental plans page.
Does Tower Dental accept dental insurance?
You can use private dental insurance at Tower Dental. That includes Bupa, AXA Health, Vitality, Aviva, Westfield Health, Simplyhealth and HSF. Here is how it normally works:
- You pay us in full at the time of treatment (using any of the methods above)
- We give you an itemised receipt with our practice name, GDC numbers, and treatment codes
- You send the claim to your insurer. Most let you claim online with the receipt as a PDF
- Your insurer pays you back directly, usually within 5–10 working days
This is the standard arrangement at most UK private dental practices. We cannot bill insurers directly, because we are not an insurance-network practice. But you generally don't lose out financially by paying us first and claiming back.
Can I use a healthcare cash plan at Tower Dental?
Got a healthcare cash plan rather than full private dental insurance? The process is the same: pay us, then claim back. Cash plans usually pay back a fixed amount each year towards dental costs, for example £100–£300. It does not matter which treatment you have. They work well alongside our membership plan if you have both.
Frequently asked questions
What payment methods does Tower Dental accept?
Cash, UK debit cards, UK credit cards (no surcharge), Apple Pay, Google Pay, and bank transfer for larger treatments. We also offer 0% finance over 6 or 10 months via V12 on treatment from £250 to £25,000, subject to status. Tower Dental is a credit broker, not a lender.
Is 0% dental finance really available?
Yes. 0% finance over 6 or 10 months via V12 is available on treatment from £250 to £25,000, subject to status, affordability check and credit decision. Tower Dental is a credit broker, not a lender. Decisions are usually returned within minutes on an in-practice tablet. You must be 18 or over, a UK resident, in employment, and have a UK bank account.
What if I cannot afford treatment?
Tell us. We review options honestly, including lower-cost clinical alternatives (e.g. composite bonding instead of veneers), staging treatment across 6-12 months, joining a dental membership plan to access a 20% restorative discount, or where clinically appropriate, referring back to NHS care without judgement.
Is a £40 cosmetic consultation fee charged?
Are there any hidden fees or surcharges?
What if I am declined for finance?
Can I pay with multiple methods?
Can I get a quote without committing to anything?
Want to talk through your options?
Our reception team can quote treatment costs and discuss finance options before you book.
Ready to spread the cost?
Book your appointment. We'll go through the payment options that fit, and put everything in writing.
0% interest-free over 6 or 10 months via V12 Finance, subject to status. Tower Dental is a credit broker, not a lender.