Payment Plans & Dental Finance Options For Dental Crowns

Whites Dental Waterloo

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Whites Dental Marble Arch (W2)

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Key Takeaway

  • Dental crowns can be expensive, but flexible payment plans and finance options make them more accessible.
  • Many UK dental clinics offer monthly instalments, interest-free plans, or third-party finance schemes.
  • Understanding the available options helps patients budget for treatment without compromising oral health.
  • Payment plans can cover various types of crowns including porcelain, zirconia, and E-max crowns.
  • Patients should review terms carefully, including interest rates, repayment duration and eligibility.

💡 Whites Dental provides finance options and dental finance plans to allow for affordable dental crowns in London.

Introduction: Making Dental Crowns Accessible Through Finance Plans

Dental crowns restore teeth that are damaged, cracked, or heavily decayed, providing both functional and aesthetic benefits. Despite their importance, many patients hesitate to proceed due to cost concerns. The average price of a dental crown in London can vary significantly depending on the material and complexity, which is why payment plans and dental finance options have become crucial for making treatment more affordable.

Understanding your finance options allows you to receive necessary dental care immediately without waiting to save the full cost. This guide explores the various options available in the UK, how they work and the benefits of using payment plans for dental crowns.

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Understanding The Cost Of Dental Crowns

Factors Affecting Crown Cost

The cost of a tooth crown is not fixed and depends on multiple factors:

  • Type of Crown Material: Porcelain, zirconia, metal or E-max.
  • Complexity of Treatment: Single crowns vs. multiple crowns or implants.
  • Location: Central London clinics tend to charge more than suburban locations.
  • Dentist Expertise: Specialist dentists or cosmetic dentists may charge higher fees.
  • Diagnostic Tests: X-rays or CT scans may be required for accurate crown placement

Typical Price Range In London

  • Porcelain crowns: £800–£1,000 per tooth
  • Zirconia crowns: £850–£1,200 per tooth
  • E-max crowns: £900–£1,500 per tooth
  • Metal crowns: £700–£900 per tooth

💡 These costs often include the crown itself, preparation and temporary crown placement but may exclude additional procedures like root canal treatment or gum therapy.

Why Payment Plans And Dental Finance Options Matter

For many patients, paying for dental crowns in one lump sum is difficult. Payment plans and finance options provide:

  • Immediate Access To Treatment: No need to delay care due to cost.
  • Predictable Budgeting: Fixed monthly payments prevent financial strain.
  • Flexibility: Various repayment durations and interest options allow patients to choose plans that suit their financial situation.
  • Peace Of Mind: Patients can prioritise oral health without worrying about upfront costs.

💡 Flexible finance also allows patients to select higher-quality crowns, which may last longer and offer better aesthetics, without the stress of paying the full amount immediately.

Types Of Dental Crown Finance Options

Dental Tooth Crowns - Whites Dental In London

In-Clinic Payment Plans

Many dental clinics, including Whites Dental, offer in-house payment plans tailored to the patient’s budget. These plans often include:

  • Low or zero-interest monthly payments
  • Flexible repayment terms (3–12 months typically)
  • Coverage for single or multiple crowns.
  • Immediate start of treatment.

Third-Party Dental Finance Companies

Several UK finance providers specialise in dental treatments:

  • Wye Financial Services: Offers fixed monthly payments and flexible repayment plans.
  • Cherry Finance: Personal loans with competitive rates for healthcare expenses.
  • Clever Finance / Lending Options: Short- to medium-term loans with predictable monthly instalments.

These providers generally require a credit check and may offer plans ranging from 6 to 60 months depending on the total cost.

Credit Cards Or Personal Loans

Some patients use personal credit cards or loans to fund dental treatments. This method is viable but may incur higher interest rates compared to specialised dental finance options.

How Dental Payment Plans Work

Step-By-Step Process

  1. Initial Consultation: The dentist evaluates the patient and provides a treatment plan with a cost estimate.
  2. Finance Assessment: If a payment plan is needed, the clinic or finance provider assesses eligibility.
  3. Agreement: Terms are confirmed, including monthly payments, duration and interest rates if applicable.
  4. Treatment Start: Patients receive their dental crown while payments are spread over months.
  5. Regular Payments: Patients pay according to the agreed schedule until the balance is cleared.

💡 Payment plans ensure patients can proceed with treatment immediately, rather than postponing until funds are available.

Interest-Free Vs. Interest-Bearing Finance Plans

Interest-Free Plans

  • Usually offered for 3–12 months
  • Monthly payments are equal and predictable
  • No additional cost if paid on schedule
  • Best for short-term budgeting

Interest-Bearing Plans

  • May extend repayment over 24–60 months
  • Interest rates vary (typically 9–18%)
  • Allows lower monthly payments but total cost is higher
  • Suitable for patients who need more time to pay

💡 Patients should compare plans carefully to understand the overall financial impact.

Benefits Of Using Finance Options For Crowns

Private Dentist In London - Whites Dental

Access To Higher-Quality Materials

Finance options allow patients to choose premium crowns like zirconia or E-max, which offer better durability and aesthetics than standard porcelain or metal crowns.

Improved Oral Health

Patients can proceed with necessary treatment immediately, preventing further tooth decay or damage.

Predictable Payments

Monthly instalments make budgeting easier and reduce financial stress.

Avoid Compromising On Care

Finance plans remove the barrier of cost, allowing patients to receive the recommended dental treatment without delay.

Things To Consider Before Choosing A Payment Plan

  • Total Cost: Understand the overall expense including interest if applicable.
  • Repayment Duration: Longer durations may reduce monthly payments but increase total cost.
  • Eligibility Requirements: Credit checks may be necessary.
  • Clinic Reputation: Ensure the clinic provides transparent agreements and trustworthy service.
  • Hidden Fees: Confirm there are no hidden fees or charges for early repayment

💡 Proper research ensures patients select the best plan suited to their needs and budget.

Types Of Dental Crowns Covered By Finance Options

Porcelain Crowns

  • Aesthetic and natural-looking
  • Suitable for front teeth.
  • Cost-effective when using payment plans

Zirconia Crowns

  • Extremely durable and strong
  • Ideal for back teeth and high-stress areas.
  • Finance options make them more affordable despite higher cost

E-Max Crowns

  • Premium all-ceramic crowns.
  • Excellent aesthetics for front teeth
  • Typically more expensive, making payment plans very useful

Metal Crowns

  • Long-lasting but less aesthetic.
  • Often the most affordable option.
  • Can be covered under shorter finance plans

💡 Patients can choose a crown based on tooth location, durability, and budget when finance options are available.

How Whites Dental Can Help With Finance Plans For Crowns

Whites Dental in London provides personalised dental finance and payment plans for crowns to make treatment accessible for all patients.

Services Offered

  • Tailored in-clinic payment plans with low or zero interest
  • Assistance with third-party finance applications.
  • Transparent cost breakdown for different crown types.
  • Flexible payment schedules to suit individual budgets.
  • Guidance on selecting the best crown material for your needs.

💡 Whites Dental ensures patients can prioritise oral health and aesthetics without financial stress, delivering high-quality crowns alongside affordable payment solutions. Book an appointment for a tooth crown with one of our dentists.

FAQs About Dental Crown Payment Plans

Can I Get A Dental Crown With No Upfront Payment?

Yes. Many clinics, including Whites Dental, offer finance options allowing zero upfront payment and monthly instalments.

Are Payment Plans Available For All Types Of Crowns?

Yes. Porcelain, zirconia, E-max, and metal crowns can all be financed depending on the clinic’s offerings.

How Long Do Monthly Payment Plans Typically Last?

Short-term plans last 3–12 months; long-term finance may extend to 24–60 months depending on the total cost.

Do I Need A Credit Check For Dental Finance?

Most third-party finance providers require a credit check, while in-clinic plans may offer more flexible approval.

Can I Pay Off My Dental Crown Finance Early?

Yes. Many plans allow early repayment without penalties, reducing overall interest if applicable.

Is Interest-Free Finance Better Than A Loan?

Interest-free plans are ideal for short-term budgeting. Loans may be better for spreading payments over a longer period but can increase total cost.

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Conclusion

Dental crowns are an essential restorative treatment for preserving tooth function, appearance, and oral health. The high upfront cost should not prevent patients from receiving the care they need. Payment plans and dental finance options provide flexibility, allowing patients to choose premium materials such as porcelain, zirconia or E-max crowns while managing their budget.

By understanding available options, comparing interest rates, and selecting the right plan, patients can prioritise their oral health without financial stress. Whites Dental in London offers tailored finance solutions and expert guidance, ensuring you can access high-quality crowns while keeping payments manageable.

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Privacy Overview

Whites Dental (“we”, “us” or “our”) are committed to protecting and respecting your privacy.

The practice respects your privacy and is committed to protecting your personal data. This Privacy Policy sets out how we will do this, taking into account data protection laws as well as our professional guidelines and requirements.

The data controller is Whites Dental; the Information Governance Lead is Deepa Chopra.

This Privacy Policy is available on the practice website at www.whitesdental.co.uk/privacy-policy, by email if you contact [email protected] or by calling the practice on 0204 527 3210.

This policy (together with our Cookies Policy) sets out the basis on which any personal data we collect, or that you provide to us, will be processed by us. It does not include data where the identity has been removed (i.e. anonymous data).

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

You will be asked to provide personal information when joining the practice. The purpose of us processing this data is to provide optimum health care to you by, for example, recommending the most relevant treatment and ensuring your safety by taking your medical history.

The categories of data we process

  • Contact data (such as name, address, email address, telephone number) for the purposes of corresponding with you, for example, regarding your appointments and treatment.
  • Contact data (such as name, address, email address, telephone number) for the purposes of direct mail/email/text/marketing.
  • Special category data concerning health (including health records, medical history, medication, your doctor’s name and address, warning cards or bracelets, alcohol and drug use) for the purposes of the delivery of safe health care.
  • Treatment data (such as photos, moulds, X-rays, clinical findings) for the purposes of providing you with the best treatment.
  • Financial data (such as credit card details, bank account information, credit history, employment status) for the purposes of processing your payment for treatment(s).
  • Usage data (such as information about how you use our website, products and services) for the purposes of improving the way we provide our treatment and services.

The ways we collect information about you

We may collect and process the following data about you in operating the website and performing any of our services and treatment(s):

Direct
  • Information you give us (including information you give to our Clinical Lead, Specialists, Dentists, Hygienists and Orthodontic Therapists who are contracted to work for us). You may give us information about you by filling in forms on our website www.whitesdental.co.uk or by corresponding with us by phone, email, in person or otherwise.
  • Personal data is obtained when a patient joins the practice, when a patient is referred to the practice and when a patient subscribes to an email list.
Automatic
  • Information we automatically collect about you. With regard to each of your visits to our website we may automatically collect the following information:
  • Technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, time zone setting, browser plugin types and versions, operating system and platform; and
  • Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouseovers), and methods used to browse away from the page and any phone number used to call our customer service number.
From third parties
  • Our Clinical Lead, Specialists, Dentists, Hygienists and Orthodontic Therapists are third parties working for us as contractors, however, they are contractually bound to us with regard to obligations of confidentiality in the same way as our employees and by professional obligations of confidentiality.
  • You may have been referred to us for treatment from Invisalign and we will therefore receive contact data, special category data concerning health, treatment data and/or financial data from them.
  • Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide.
  • We are also working closely with third parties (including, for example, business partners, subcontractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
  • We use third-party analytics services (such as Google Analytics) to evaluate your use of the website, compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to our website and internet usage. These third parties use cookies and other technologies to help analyse and provide us with data.

How we share data with third parties

We may share your Contact data, special category of data relating to health, Financial data, Treatment data and/or Usage data with selected third parties including:

  • Our Clinical Lead, Specialists, Dentists, Hygienists and Orthodontic Therapists.
  • Private health insurance companies (at your request if you are using private health insurance).
  • Credit reference agencies.
  • Equipment providers and laboratories such as Align Tech, Nimrodental, and Ashford Orthodontics.
  • Professional compliance organisations such as BDA.
  • Data storage and transfer platforms such as Microsoft Sharepoint and Dropbox.
  • Our payment platform Natwest.
  • Our practice management and CRM software providers Pearl.
  • Our live chat provider Quriobot.
  • Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others such as Facebook.
  • Analytics and search engine providers that assist us in the improvement and optimisation of our site such as Google.

This is a list of the main third parties with whom we share your personal data. If you would like a full list of third parties who process your data, and their contact details, please contact us using the details set out above.

We never pass your personal details to a third party unless we have a contract for them to process data on our behalf and will otherwise keep it confidential.

If we intend to refer a patient to another practitioner or to secondary care such as a hospital we will gain your consent before the referral is made and the personal data is shared.

The website may include links to third party websites, plugins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

Data transferred outside the EU

  • Personal data is stored in the EU whether in digital or hard copy format.
  • Personal data is stored in the US in digital format when the data storage company is certified with the EU-US Privacy Shield.

Lawful basis for processing personal data

The lawful bases for processing personal data (including providing your personal data to third parties) are:

  • Consent of the data subject for data relating to treatment, care, our services, processing payment, credit checks, marketing and reviews, improving our services and improving our website (including using data analytics). This will also apply to the storage of personal data for these purposes.
  • Processing is necessary for the performance of a contract with the data subject or to take steps to enter into a contract such as the provision of the services by us.
  • Processing is necessary to comply with a legal obligation such as financial, tax and contractual laws.

For consent relating to children and people who may not have mental capacity to give consent, please contact us using the details above for a copy of our Safeguarding and Mental Capacity policies.

The reason for processing special category data such as patients’ health data is:

  • The processing is necessary for the purposes of preventative or occupational medicine, for assessing the working capacity of the employee, medical diagnosis, the provision of health or social care or treatment or management of health or social care systems and services on the basis of Union or Member State law or a contract with a health professional; and
  • Data is processed by or under the responsibility of a professional subject to the obligation of professional secrecy under Union or Member State law or rules established by national competent bodies or by another person also subject to an obligation of secrecy under Union or Member State law or rules established by national competent bodies.

Purposes for processing personal data

We (and the third parties listed above) process your personal data for the following purposes:

  • To provide you with our services.
  • To discuss relevant treatments.
  • To provide a safe working environment for staff, contractors and patients.
  • To check your employment and financial status for payment plans.
  • To process payments.
  • To keep you informed of our latest offers, other services we provide and general marketing activities.
  • To obtain reviews and feedback on your experience of our services.
  • To store our data.

If you would like more information about how your data is processed please contact us by using the details set out above.

Data retention

The retention period for special category data in patient records is a minimum of 10 years and may be longer for complex records in order to meet our legal requirements. The retention periods for other personal data is two years after it was last processed.

You will receive marketing emails until you unsubscribe, either by contacting us or by clicking on the unsubscribe link at the bottom of the email. For details of other retention periods please contact us using the details set out above.

Your personal data rights

You have the following personal data rights:

  • The right to be informed.
  • The right of access to your personal data, which enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
  • The right to rectification of your personal data that you consider to be inaccurate. This enables you to have any incomplete or inaccurate data we hold about you corrected.
  • The right to erasure. This enables you to ask us to delete or remove your personal data (however clinical records must be retained for a certain time period).
  • The right to restrict processing. This gives you the option to ask us to suspend the processing of your personal data e.g. if you want us to establish the data’s accuracy or you do not want us to erase it.
  • The right to data portability. If you request us to do so, we will provide to you, or a third party of your choice, your personal data in a commonly used, machine-readable format.
  • The right to object. This enables you to object to the processing of your personal data if you feel it impacts on your fundamental rights and freedoms, however, in some cases, we may have compelling legitimate grounds to process your information which can override your right to object.
  • The right to request confirmation as to whether or not your personal data is being processed.
  • The right to not have a decision made about you based solely on automated processing.

You have the right to withdraw consent at any time. If you request us to do so, we will no longer process your data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we will not be able to provide you with the services. You have the right to obtain a free copy of your patient records within one month of submitting a request.

If you are not a patient of the practice you have the right to withdraw consent for processing personal data, to have a free copy of it within one month of submitting a request, to correct errors in it or to ask us to delete it. You can also withdraw consent from communication methods such as telephone, email or text.

We have carried out a Privacy Impact Assessment and if you would like a copy please contact us using the details set out above.

If you wish to exercise any of the rights set out above, in the first instance, please contact us using the details set out above.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Further details of these rights can be obtained on the Information Commissioner’s website.

Data security

We have put in place appropriate security measures to prevent your personal data from being lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted through our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Comments, suggestions and complaints

Please contact the practice for a comment, suggestion or a complaint about your data processing at [email protected], or 0204 527 3210 or by writing to or visiting the practice. We take complaints very seriously.

If you are unhappy with our response or if you need any advice you should contact the Information Commissioner’s Office (ICO). Their telephone number is 0303 123 1113, you can also find other contact options here. The ICO can investigate your claim and take action against anyone who’s misused personal data. You can also visit their website for information on how to make a data protection complaint.

Marketing by us

We offer individuals real choice and control. Our consent procedures put individuals in charge to build customer trust and engagement.

Our consent for marketing requires a positive opt-in, we don’t use pre-ticked boxes or any other method of default consent. We make it easy for people to withdraw consent, tell you how to and keep contemporaneous evidence of consent. Consent to marketing is never a precondition of a service.

You will receive marketing communications from us if you have requested information from us or if you have signed up via our contact form on the website and, in each case, you have not opted out of receiving that marketing.

Marketing by third parties

We do not share your data with third parties for marketing purposes.

Opting out

Where you opt-out of receiving these marketing messages, this means that you may not receive messages relating to your appointments or treatment so please let us know by using the details set out above if you would like to continue to receive messages about your appointments and treatment.