FacePlan - Interest Free Finance Option

 
 

FacePlan

0% interest and low cost payment plan

We are delighted to be able to offer all our patients who spend over £900 an interest free and low cost payment plan to fund your cosmetic treatments. Our friendly advisory team will endeavour to offer you a confidential and personalised service.

 

The benefits : at a glance

For anyone considering using our interest-free (up to 12 months) or low cost longer period (24 to 36 months) loan facilities to fund their private cosmetic treatments, the benefits are clear:
  • You get the treatments you want - treatment that will make you look and feel a million times better
  • You get to spread the cost of that treatment over a suitable period
  • Interest-free and low cost loans can be a much more affordable alternative to credit cards or bank loans
  • It's easy to apply and simple to repay by Direct Debit
  • They're provided by leading credit suppliers

Example only - 0% APR

Amount borrowed
Duration of loans
Interest
Monthly repayment
Total payable
£900
6 months
0%
£150
£900
£900
12 months
0%
£75
£900
£1200
12 months
0%
£100
£1200

 

Frequently Asked Questions

What treatments can I get a loan for? --| Any non-surgical cosmetic treatments offered by Essence Medical with a total cost of £900 or above.

What type of loans are available? --| You can borrow between £900 and £3000 interest-free over 12 months or you can opt to spread the cost of your treatment over a longer period (such as 24 or 36 months) and pay a competitive rate of interest.

How do you know if I would be eligible? --| Generally you should be working at least 16 hours per week. However people who are self-employed, retired or a full-time house person may be eligible too. All applicants need to be over 18 years of age with at least 3 years UK address history and a good credit history. For a more detailed analysis of your personal circumstances please speak to our staff.

How do I apply? --| Once you've agreed on a course of treatment - and a cost - with our cosmetic doctor, we'll make the credit application on your behalf. As soon as this has been approved and then processed, we will make an appointment for you to return for your treatment. You'll receive written confirmation from the credit provider a few days after that. Simple as that!

How long does it take to get a decision? --| Normally if you have all the relevant information (see below) available a decision can be made within 30 minutes.

Does the finance provider ask questions about the procedure? --| No, they deal with the finance only; there is no interview or complex forms for you to complete.

How do I make the repayments? --| Much like any other loan facilities, you repay them in affordable monthly payments over an agreed term. These payments are collected by Direct Debit.

How much will I pay? --| With our 0% facility you pay the cost of your cosmetic treatment - no more and no less.
Interest - free means just that! In terms of the longer period facilities (spread over 24 to 36 months), we provide you with a quotation that shows the monthly payment and the total interest payable over the term of the loan. There are no hidden costs and no deposit is required!

Who is the credit provider? --| We're working with one of the most respected credit providers in the business. Ask our team for details.

What happens if my treatment costs more than planned for? --| Firstly, we will tell you of this situation when it becomes imminent. Secondly, you can choose to have an additional facility to cover the additional costs.

What happens if my treatment costs less than planned for (but still above £900)? --| This will be refunded either to you or to the lender who will then reduce the outstanding balance on your account.

How often can I use the facility? --| You can apply for a payment plan for each course of treatment, subject to the usual credit application.