Invisalign Monthly Payments: How Finance Works

Almost every UK clinic offers monthly payments for Invisalign, and it is 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 low-interest 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.

This page explains how dental finance actually works, who qualifies, what a soft search is, how to compare finance offers between clinics, and the questions worth asking before you sign anything.

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.

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.

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 looks at whether the monthly payment is comfortably manageable for you
• ✓  Holding a UK bank account for the direct debit

A less-than-perfect credit history is not 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 is not. The only way to know is to run the soft search.

A soft search (sometimes called a quotation search or eligibility check) lets the lender look at your credit file and tell you whether you are likely to be accepted, and on what terms, without leaving a mark that other lenders can see. It does not affect your credit score. Only when you go on to make a full application is a “hard” search recorded. That means you can check your Invisalign finance options before your consultation, with no commitment, and no effect on a mortgage or car finance application you might have coming up.

The Toothi checker takes about two minutes and asks for your name, address, date of birth, employment and income. You will see the plans you qualify for and the exact monthly figures for your fee and term.

Run the 2-minute soft search

“From £X a month” on a website tells you almost nothing on its own. Before comparing, ask each clinic:

1. 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.
2. What is the APR, and is it fixed? A fixed rate means the payment does not change for the whole term.
3. Is 0% available, and over how long? Some clinics offer 0% only over 6 months; others over 12 or 18. Longer 0% terms mean a smaller payment with no interest.
4. Is there a deposit, arrangement fee or early settlement charge? Regulated agreements allow early settlement, but check whether any fee applies.
5. What happens if my case needs refinements? If refinements are not included in the fee, you may be asked to pay for them outside the finance plan. At Toothi refinement aligners are included on all three tiers.
6. 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.

• → How much does Invisalign cost in the UK?
• → Invisalign cost in London
• → Invisalign before and after
• → How long does Invisalign take?
• → All Toothi finance options