Finance

All our treatments & procedures over the value of £250 are available for finance! We are able to offer a wide range of finance products ranging from interest-free (0% APR) over 6 months, to only 14.9% APR over 48 months!

Our team are happy to advise and recommend which finance option is most suitable for you and your individual circumstances.

There is a minimum deposit of 5% and a maximum deposit of 50%.

There is a minimum service price of £250 in order for finance options to be available.

Yes, you are welcome to have a family member or friend apply for credit on your behalf. The credit agreement will be between the applicant and Chrysalis.

Please see the information on the medical finance application. If you still require help please do not hesitate to contact us.

The application itself only takes a few minutes and is completed online. As the application process is online. Once you’ve submitted your application, you should find out within seconds if you’ve been approved, or “referred”. 

If you do get referred, this could just mean that the lender needs a bit more information from you, Chrysalis will be in touch to talk about information needed.

A deposit is not required, but if you want to pay one and so reduce the amount you borrow, this is completely up to you.

If you’ve been approved, you are then required to pay the deposit – this is done by debit/credit card via the AffordIt Now website.

Pall Mall Medical will get an instant notification and will contact you shortly after this with details on the next steps for the service you have booked.

We are unable to comment on individual applications as the lender may not give us a reason for the decline. Often, applications are declined because incorrect information is given. If you believe this to be the case, please ensure your address history and all other information is entered accurately.

The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject the usual guarantee from your bank.

Immediately - as soon as the credit agreement has been signed.

There are no hidden costs.

The Pall Mall Medical team can provide you with full information of what you will be required to pay if you are unsure.

Key definitions

• Annual Payment Rate (APR) – the interest rate for the whole year, rather than just a monthly rate.
• Cost of Credit – the additional amount you will pay in total, compared to if you paid in full upfront.
• Total Cost including Credit – the amount you will pay overall after you have made all your monthly payments
• Monthly Payment – the amount you will be required to pay each month until you have paid the full amount
• Deposit – the amount you must pay upfront. You will not pay interest on this amount. You can vary your deposit from 5% to 50% depending on how much you are able to pay upfront. The higher the deposit, the lower you will have to pay each month.

There is a statutory ‘cooling off’ period of 14 days after signature during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.  

The finance is arranged through Chrysalis Finance Ltd., a company authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193.