What you’ll need
- To be 18 or over.
- Valid ID, shown through the provider’s current application process.
- An active debit or credit card for the weekly debits.
- To have read the provider’s current terms before you apply.
Fund My Dental
Fund My Dental Payment Plans
Some bills sit easier as weekly payments, and Fund My Dental can spread one out. You can apply online if you’re 18 or over, with valid ID and an active debit or credit card. No credit check is used. There’s no interest, but establishment fees apply, so read the provider’s terms first.
Can I apply?
Does Fund My Dental fit my situation?
It’s worth looking at once you know what the care involves and how much you’ll need to pay. Anyone 18 or over with valid ID and an active debit or credit card can apply.
What Fund My Dental doesn’t decide
- Whether treatment is right for you. That’s your dentist’s call.
- Your examination, estimate or treatment order. Those stay with us.
- Whether you go ahead. Approval doesn’t commit you to treatment.
- Why an estimate changes. If it does, we’ll explain before you arrange payment.
No interest, but fees
What will it actually cost me?
There’s no interest charged. There are establishment fees, and the provider’s terms list any others, so compare the full amount and how long it runs, not just the weekly instalment.
Our estimate
- The written estimate lists the treatment, the visits and what’s included.
- Your dentist will tell you which parts are urgent, which could be staged and what would change the amount.
- Check your health fund, or any other benefit, separately.
- Decide on the treatment first, then on whether to open an instalment account.
The account itself
- No interest is charged.
- Establishment fees apply. Any other fees are in the provider’s terms.
- Find out when debits start, how often they come out, and how long the account lasts.
- Ask what happens if the estimate changes, or if you can’t make a payment.
Other ways to manage it
- Treatment can sometimes be split into stages without changing the clinical priorities.
- Private cover, CDBS or DVA can apply too.
- In-house plans and other finance come with their own terms.
- Make the call once you’ve seen the full written cost and repayment dates.
Read before you apply
Questions for Fund My Dental before you apply
The provider’s current agreement sets out the account costs, the timing and the rules for changes. Get those terms in writing, and keep a copy before you book treatment around them.
Fees and dates
- The current establishment fee, and any other fee in the terms.
- When the first payment is due, and how the weekly direct debit is set up.
- The total you’ll pay, and when the account should end.
- Any other charge, for the account, a missed payment or a change.
Applying
- Have valid ID and an active debit or credit card ready when the provider asks.
- There’s no credit check, but the provider’s other eligibility criteria still apply.
- Read the privacy information, then apply through the provider’s own channel.
- Please don’t send financial details to us unless our current process explains why, and who can see them.
If things change
- Find out how a changed estimate is handled partway through treatment.
- If a weekly payment looks like it’ll be missed, contact the provider early and ask about hardship help.
- We’ll explain how any change to treatment affects the estimate. Finance never makes treatment necessary.
- File the provider’s agreement alongside our current estimate.
From estimate to account
How do I get from an estimate to an application?
- 01
Start with your dentist.
We explain the findings, the care we’d recommend, the alternatives and the likely stages.
- 02
Ask for the estimate in writing.
You’ll see what each visit includes, what could change and what’s due at each stage.
- 03
Read the provider’s terms.
Check eligibility, the no-interest wording, establishment fees, debit dates and the rules for changes.
- 04
Apply directly with Fund My Dental.
Use their own application channel, and give only the information they ask for.
- 05
Match the account to the plan.
Before we book visits around it, make sure the approved amount and debit dates still line up with our current estimate.
Related payment options
If weekly instalments aren’t right for you
Weekly debits don’t suit everyone. Here are three other ways to handle the cost.
Fund My Dental questions
Weekly payments: your questions
Anyone 18 or over who can provide valid ID and an active debit or credit card through the provider’s application process. Whether an application goes ahead is set by the provider’s current terms, so read those first.
Get our estimate before you apply, so you know the amount and timing you’re weighing up. Being eligible for an account doesn’t make treatment necessary, and it doesn’t mean you have to go ahead.
No credit check is used for the application. Other requirements still apply, including your age, ID, an active card and the provider’s terms. Read the current agreement and privacy information before you submit anything.
Get our written estimate first, then apply through the provider’s own channel rather than going on a headline or a quick explanation.
There’s no interest. Establishment fees apply, and the current amounts, plus any other fees, are in the provider’s written terms. Check when each fee is charged, the full amount payable, the direct-debit dates and whether any missed-payment or other charge applies.
Add those fees to our estimate before deciding whether the weekly timing suits your budget.
Your dentist can walk you through the care, alternatives, likely stages and written estimate. The provider can explain the account amount, the establishment fee, the first payment, how often you pay, the end date, and what happens if the estimate or your circumstances change.
Keep the two decisions apart. An approved account doesn’t make treatment necessary, and finance never replaces your dentist’s examination or your consent.
