Braces are one of the best investments you can make for your smile – but we understand that paying the full fee upfront can feel overwhelming. The good news? You don’t have to. At Whites Dental, our monthly payment plans make braces affordable and flexible, with 0% finance available over 3–12 months and low-interest options up to 60 months. Getting started is quick, simple and completely stress-free.
Quick answer: Yes, you can pay monthly for braces in London at Whites Dental. Finance options are available for metal, ceramic and Damon braces, including 0% finance over selected terms and longer low-interest plans, subject to eligibility and approval.
🔑 Key Takeaways
- 0% finance available for 3–12 months (interest-free)
- Low-interest plans up to 60 months (9.9% APR)
- Instant decisions with soft-credit checks
- Monthly payment options available for all brace types
💬 What Our Braces Patients Say
“Dr Ravinder is always so kind and gentle – she made my braces journey smooth and stress-free.”
— Hodan Ali
“Dr Deepa corrected my braces strings really well. Great care!”
– Mohammed Almaraghi
“Deepa was very informative throughout – really good experience.”
– David Inskip
🧭 Jump to:
How Braces Monthly Payment Plans Work at Whites Dental
Paying monthly for braces is far more common – and far easier – than most people realise. Whether you choose metal, ceramic or Damon braces, you can spread the cost over a timeframe that suits your budget. Here’s how our process works:
- Apply at the clinic: We send a secure digital finance link directly to your phone.
- Choose your repayment term: 6, 12, 24 or up to 60 months.
- Instant decision: Most applications are approved within minutes.
- Start treatment immediately: Confirm your plan and begin treatment once everything is approved.
Finance is provided through Tabeo, a specialist dental finance platform. Your application is confidential and designed to give you predictable, manageable monthly instalments.
Braces Pay Monthly Examples (0% & Low-Interest Options)
Here’s how your monthly payments might look with 0% finance versus low-interest plans:
| Treatment | 12 Months (0% APR) | 24 Months (9.9% APR) | 60 Months (9.9% APR) |
|---|---|---|---|
| Metal Braces (£2,195) | £183 / month | £124 / month | £74 / month |
| Ceramic Braces (£2,395) | £199 / month | £136 / month | £81 / month |
| Damon Braces (£2,595) | £216 / month | £147 / month | £89 / month |
Figures are representative examples. Final monthly payments depend on treatment complexity and finance approval. Many patients prefer 0% for a year or spread costs over 24–60 months to reduce monthly outgoings.
0% vs Low-Interest Finance Options
Both 0% and low-interest plans help make orthodontic treatment more affordable. The right option depends on how long you want to spread your payments:
| Finance Option | Term | APR | Best For |
|---|---|---|---|
| 0% Finance | 3–12 months | 0% | Patients who want no added cost and quicker repayment |
| Low-Interest Finance | 24–60 months | 9.9% | Patients who prefer smaller monthly instalments |
Most adults choose 24 or 36 months as a comfortable balance between affordability and overall cost.
💡 Understanding Your Finance Options
What is 0% Finance?
Spread your payments over 3–12 months with no added cost and no interest.
How Long Can I Spread Payments?
Choose from 6, 12, 24, 36 or up to 60 months depending on your budget.
Does Checking Affect My Credit Score?
No – the initial check is a soft search and won’t appear on your credit report.
Can You Get Braces Finance with Bad Credit?
Finance approval depends on the provider’s eligibility checks, so it cannot be guaranteed. Some patients with limited or imperfect credit history may still be accepted, but this depends on individual circumstances.
The initial eligibility check is designed to help you understand your options before committing. If finance is not suitable, the team can talk you through alternative ways to plan treatment costs.
Who Can Apply for Braces on Finance?
Checking eligibility for braces finance is simple and takes only a few minutes. The initial check uses a soft-credit search, meaning there’s no impact on your credit score.
- Aged 18 or over
- UK resident with a regular income
- Valid bank account and debit card
Our team guides you through each step, and once approved, treatment can usually be arranged promptly.
💡 Good to know: Your credit score is only checked if you decide to proceed after receiving your soft-search result.
Deposit & Insurance Options
Most patients pay a small deposit (typically £395 for scans and treatment planning). The rest of the fee is then spread across your chosen finance term. You can also combine finance with private dental insurance. Providers such as Bupa, Denplan and SimplyHealth may cover parts of your orthodontic treatment, and our team can help you claim where eligible.
Braces on Finance in London – What Makes Whites Dental Different?
Patients searching for braces on finance in London, pay monthly braces near me or orthodontists with flexible payment plans often choose Whites Dental because we offer:
- 0% finance for metal, ceramic and Damon braces
- Low-interest plans up to 60 months
- Instant decisions with soft-credit checks
- Clear, transparent monthly payments with no hidden fees
- Two central London clinics – Waterloo and Marble Arch
- Evening appointments available for busy adults
Our flexible approach makes orthodontic treatment accessible for patients who want predictable, manageable monthly payments without compromising on quality.
Real Patient Transformations
FAQs: Braces on Finance
We’re often asked about how our monthly payment plans work. Here are clear answers to the most common questions:
Can I get braces on monthly payments?
Yes – all brace types at Whites Dental can be paid for monthly. You can spread the cost of fixed braces over 3–60 months, with 0% finance available for the first 12 months.
Do I need a deposit for braces finance?
Most patients pay a deposit of around £395, which covers your 3D scan and treatment planning appointment.
How quickly is finance approved?
Most applications are approved within minutes. Once approved, you can begin your treatment straight away.
Is there interest on monthly payments?
0% finance has no interest for 3–12 months. Longer plans of 24–60 months include a competitive 9.9% APR.
Can I combine insurance and finance?
Yes – if you have private dental insurance, you can use it alongside your finance plan to reduce overall costs.
Can you pay for braces monthly in the UK?
Yes, many private orthodontic clinics offer monthly payment options for braces. At Whites Dental, finance options are available for metal, ceramic and Damon braces, subject to eligibility and approval.
Can I get braces on finance with bad credit?
Finance approval depends on the provider’s checks and your individual circumstances. The initial eligibility process can help you understand your options without committing to treatment.
Do braces payment plans require a deposit?
Most patients pay a deposit before starting treatment, with the remaining balance spread across the chosen finance term. The exact amount depends on the treatment plan and finance option.
Are braces payment plans interest-free?
Some finance plans are interest-free over selected terms, while longer plans may include interest. Always check the repayment term, APR and total repayable amount before proceeding.
Can I get braces with bad credit?
A soft-search check is used initially, which won’t affect your credit score. Approval depends on the finance provider, but many patients with limited credit history are accepted.
Do orthodontists in London offer flexible payment plans?
Yes – and Whites Dental is one of the few clinics offering both 0% and long-term low-interest plans for all fixed brace systems.
Ready to Start with 0% Finance? Call Our Clinics Today:
Waterloo: 0208 616 0590 | Marble Arch: 0203 576 2325
Start Your Smile Journey Today
At Whites Dental, we make it easy to start your braces treatment in London with predictable, affordable monthly payments. Visit our Waterloo or Marble Arch clinics to discuss finance options and find the best plan for your budget.
Author
Dr Deepa Chopra
Principal Dentist & Clinic Founder
GDC registration number: 124489
Membership of the Faculty of Dental Surgery from the Royal College of Surgeons of Edinburgh
Membership of the British Dental Association
Restorative Dentistry from Tipton
Align Invisalign profile
LinkedIn profile
Areas of Expertise: 20+ Years Dentistry Experience. General Dentistry, Cosmetic Dentistry, Restorative Dentistry, Invisalign, Composite Bonding, Veneers, Root Canals, Crowns, Dentures, Gum Disease, Hygienist Services, Emergency Dental Services & Teeth Whitening.