Invisalign Monthly Payments: How Finance Works
Toothi London, Edgware · Last reviewed 25 September 2026
Almost every UK clinic offers monthly payments for Invisalign, and it’s how most patients pay. At Toothi London there are two ways to spread the cost: 0% finance over up to 10 months on treatment over £250, or a longer plan over up to 60 months. Representative example, Invisalign Go Express only: £1,495 over 60 months = 12.9% APR fixed, £33.06 a month, cost of credit £488.71, total to pay back £1,983.71. Cherry Dental Ltd trading as Toothi is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 957242). Credit is provided by Tabeo, subject to status.
Below: how dental finance works, who qualifies, what a soft search is, and what to ask before you sign anything with any clinic.
How Invisalign finance works at Toothi London
| Interest-free plan | longer plan | |
|---|---|---|
| Term | Up to 10 months | Up to 60 months |
| Interest | 0%: you pay only the treatment fee | 12.9% APR representative (fixed) |
| Best for | Keeping the total cost to the treatment fee itself | Keeping the monthly payment as low as possible |
| How it works | 0% finance over up to 10 months on treatment over £250, with nothing added to your fee | Your fee spread over a longer fixed term with interest applied, shown in full before you sign |
| Available on | All three Invisalign tiers (Invisalign Go Express £1,495, Invisalign Go £2,495, Invisalign Go Plus £2,995) and any treatment over £250 | |
| Provider | Cherry Dental Ltd trading as Toothi is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 957242). Credit is provided by Tabeo, subject to status. | |
Your monthly figure depends on your fee and the term you choose; the Tabeo checker shows the exact figures before you apply. Your fee is fixed and agreed in writing before treatment starts. See our Invisalign cost UK guide for what each tier includes.
What you’re financing
| Tier | Price | Duration |
|---|---|---|
| Invisalign Go Express | £1,495 | typically around 3 months |
| Invisalign Go | £2,495 | typically around 6 months |
| Invisalign Go Plus | £2,995 | typically around 9 months |
| Complex cases | quoted after assessment | referred on |
All three tiers include a free iTero 3D scan and ClinCheck, all reviews, refinement aligners if needed, removable and fixed retainers, an Airflow hygiene clean and Boutique teeth whitening.
Who can get dental finance?
Dental finance is an ordinary regulated consumer credit agreement, so the lender applies the usual checks. In general you need to be:
- ✓ 18 or over and a UK resident
- ✓ In regular income: employed, self-employed or a stable pension all count
- ✓ Able to pass an affordability and credit check. The lender wants to see that the monthly payment is manageable for you
- ✓ Holding a UK bank account for the direct debit
A patchy credit history isn’t automatically a no. The lender is assessing a specific monthly amount, and a longer term with a smaller payment is sometimes approved where a shorter one isn’t. The only way to find out is to run the soft search.
Checking without harming your credit score
A soft search (sometimes called a quotation search or eligibility check) lets the lender look at your credit file and tell you whether you’re likely to be accepted, and on what terms, without leaving a mark other lenders can see. It doesn’t affect your credit score. A “hard” search is only recorded if you go on to make a full application. So you can check your Invisalign finance options before your consultation without committing to anything, and without affecting a mortgage or car finance application you’ve got coming up.
The Toothi checker takes about two minutes. It asks for your name, address, date of birth, employment and income, then shows the plans you qualify for and the exact monthly figures for your fee and term.
From consultation to first payment
Free consultation & fixed fee
Examination, free iTero 3D scan and a written fixed fee for your tier. You don’t need to decide on finance yet.
Choose a term
Decide between the interest-free plan (up to 10 months) and the longer plan (up to 60 months). We’ll show you the monthly figure for each.
Apply online
You fill in the application on your phone, in the clinic or at home. Decisions are usually instant, and you sign the agreement electronically.
Treatment starts
Once the agreement is in place we order your aligners. Your first direct debit is usually taken around a month later.
Questions to ask about any finance offer
“From £X a month” on a website doesn’t tell you much by itself. Before comparing, ask each clinic:
- What is the total amount repayable? A low monthly figure over a long term can add hundreds of pounds in interest. The representative example must show the total.
- What is the APR, and is it fixed? With a fixed rate the payment stays the same for the whole term.
- Is 0% available, and over how long? Some clinics offer 0% only over 6 months; others over 12 or 18. A longer 0% term means a smaller payment and still no interest.
- Is there a deposit, arrangement fee or early settlement charge? Regulated agreements allow early settlement, but check whether any fee applies.
- What happens if my case needs refinements? If refinements aren’t included in the fee, you may have to pay for them outside the finance plan. At Toothi refinement aligners are included on all three tiers.
- Is the clinic FCA-authorised to offer this? A clinic offering credit over 12 months or with interest must hold FCA permission and be able to tell you its FRN. Ours is 957242.
Ready to take the next step? Our main Invisalign in Edgware page sets out the three packages, what’s included and how to book your consultation.
Invisalign results from our patients
A few of the smiles we’ve straightened at Toothi in Edgware.
Photos of our own patients, shared with their consent. Individual results vary.
Invisalign finance FAQs
How much is Invisalign per month?
It depends on your fee and the term you choose, and the exact figure is shown to you in writing before you sign. Representative example, Invisalign Go Express only: £1,495 over 60 months = 12.9% APR fixed, £33.06 a month, cost of credit £488.71, total to pay back £1,983.71. Cherry Dental Ltd trading as Toothi is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 957242). Credit is provided by Tabeo, subject to status. There is also 0% finance over up to 10 months on treatment over £250, with nothing added to your fee.
Can I get Invisalign on 0% finance?
Yes. At Toothi there is 0% finance over up to 10 months on treatment over £250, including all three Invisalign tiers, subject to status.
Does applying affect my credit score?
The first eligibility check is a soft search. It doesn’t affect your score and other lenders can’t see it. A hard search is only recorded if you go on to make a full application and take out the agreement.
Can I get dental finance with bad credit?
Sometimes. The lender assesses whether a specific monthly payment is manageable for you rather than applying a blanket rule. A longer term with a lower payment is occasionally approved where a shorter one is not. The soft search will tell you, with no commitment.
Can I pay off Invisalign finance early?
Yes. Regulated credit agreements allow early settlement. Ask for a settlement figure whenever you like. You aren’t charged interest that hasn’t yet accrued.
Do I need a deposit?
The finance checker will show whether a deposit applies to the plan and term you choose. Where one applies, it’s paid to the clinic and the finance covers the rest.
Is Invisalign finance a loan?
Yes. It’s a fixed-term, fixed-payment consumer credit agreement with the lender (Tabeo), arranged by the clinic as a credit broker. You pay the lender monthly by direct debit, and the lender pays the clinic at the start of treatment.
What if I am declined?
Talk to us. A different term sometimes changes the decision, and we can discuss other ways of structuring payment for your treatment.
Check your options first, then see what your teeth need. Run the 2-minute soft search below, or book a free consultation with a free iTero 3D scan and we’ll show you the exact monthly figure for your case.
Call 020 3148 2444 or WhatsApp us · 1 Handel Parade, Edgware, HA8 6LD · Weekend appointments available.
Cherry Dental Ltd trading as Toothi is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 957242). Credit is provided by Tabeo, subject to status. Finance available on treatments over £250. Representative example, Invisalign Go Express only: £1,495 over 60 months = 12.9% APR fixed, £33.06 a month, cost of credit £488.71, total to pay back £1,983.71.
