Spread the cost of your smile — interest free
Get the treatment you want now and pay for it over time. 0% finance, no hidden fees, and an instant decision.
- 0% interest available
- Up to £30,000
- Apply in 2 minutes
- Instant decision
- Won’t affect your credit score to check
- FCA regulated
How it works
Three simple steps
The whole process takes minutes. Here’s what happens after your consultation.
We send you a finance link
After agreeing your treatment plan, our team sends you a link by email or text. You can complete it in the practice or at home — whichever suits you.
Choose your monthly plan
Select how much you want to spread, and pick the number of monthly payments that works for your budget — 12, 18, 24, 36, 48, or 60 months.
Apply in 2 minutes — instant decision
A few simple questions about yourself and your income. You’ll get a decision straight away. If approved, your first payment is taken upfront and monthly payments follow on a date of your choosing.
Why finance with SmileUp
No surprises. No catches.
We work with Tabeo — a specialist healthcare finance provider authorised and regulated by the Financial Conduct Authority.
0% interest-free options
Spread the cost of your treatment without paying a penny more than the treatment price.
Instant decision
No waiting. The application is short and you’ll know within minutes whether you’re approved.
Soft credit check to apply
Checking your rate won’t leave a mark on your credit file. A hard check only runs if you choose to accept a loan offer.
Choose your payment day
Payments are taken monthly on a day that suits you. You can change this easily online at any time.
No early repayment fees
Pay off your loan early if you like — there’s no penalty for doing so.
Up to £30,000
Finance is available across a wide range of treatments — from hygiene plans to full smile makeovers.
What could it look like?
Here are a few examples of how finance can make treatments more manageable.
Examples use 0% APR for illustration. Your actual rate will be confirmed during the application and depends on your individual circumstances. Credit is subject to status. Available to UK residents aged 18+ who earn an income.
Common questions
Good to know
Everything you might want to ask before you apply.
Ready to check your rate?
It only takes 2 minutes, it won’t affect your credit score, and you’ll know straight away.
Check My Rate — It’s Free → Or call us on 0203 411 1550 and we’ll talk you through it.SMILEUP LIMITED trading as SmileUp Dental. 7 Lewisham Road, London SE13 7QS. Authorised and regulated by the Financial Conduct Authority as a credit broker (FRN 727371). We are not a lender. Finance is subject to status. Available to UK residents aged 18+. Borrowing more than you can afford or paying late may negatively impact your credit score.
Finance administered by Tabeo Finance Limited, 5th Floor, 10 Finsbury Square, London EC2A 1AF (FRN 777539).