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Medical Finance

  • Klarna
  • Chrysalis Finance
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Finance with Pall Mall Medical

We fully understand how important it is to receive the treatment and diagnosis you are looking for — money should not be the thing that stands in your way of this, that’s why we offer a range of medical finance options on over 70 services.

Our goal is to ensure that medical appointments or surgeries are easily accessible to all our patients.

This means you can spread the costs over months and even years. By opting for a payment options, you can receive the treatment and diagnosis you need without having to pay a large sum upfront.

On this page, you will find all the information you need to understand the payment options available to you at Pall Mall Medical, as well a helpful FAQ section.

Please note that up to 12 months interest-free 0% finance is not regulated by the Financial Conduct Authority. 

Any late or missed repayment may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future.

Rated
4.95 / 5
by our patients

The right medical expertise and advice, as and when you need it.

You don’t need to have private healthcare insurance to be able to book an appointment with one of our GPs, consultants or surgeons. We can provide quick and easy access to pay as you go appointments and treatments at any of our North West clinics.

Who offers the finance?

Finance is arranged through Klarna or Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193.

What options are available?

Up to 12 months 0% Interest free

36 - 60 months at 16.9% APR

You can vary your deposit amount or spread the cost over a longer or shorter period so that your monthly payment amounts are more suited to your individual situation. Simply ask our team and they will provide you with a full list of options.

16.9% APR Representative example:

  • Total cost of treatment £7295
  • Cost of deposit £500
  • The total amount of Credit £6800.00
  • Total charge for credit £3065.65
  • Total Amount Repayable £9865.49
  • Repayable over 60 months
  • Monthly payments of £164.42
  • 16.9% APR Representative

0% APR:

  • Cost of treatment £7295
  • Cost of deposit £1824
  • Repayable over 12 months
  • Monthly payments of £455.92
  • 0% APR Representative
How much are the repayments?

Obviously, this will depend on the amount you borrow and whether you pay a bigger deposit.

Our team will show you, completely without obligation, the monthly repayments for your treatment.

Calculate for yourself the monthly repayments for your treatment by entering the cost in the Chrysalis calculator.

Finance Calculator
How to apply

To apply get in touch with us by clicking the "book a free consultation" button at the top of the page or phone us direct.

You will need to complete a straightforward, online credit application, which one of our team will be able to email to you.

The information is sent to the lender immediately and a reply is usually received by return.

You can then sign a credit agreement that has been emailed to you.

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Frequently Asked Questions.

Our expert team are always hand to help, advise and arrange appointments with our specialist consultants.

How much can I borrow?

You can borrow between £350 and £25,000, subject to status. You must be over 21 to apply, and you must have lived in the UK for at least 3 years.

Will I be accepted for credit?
There are certain criteria you must meet in order to be accepted:
  • You are aged 18 or over
  • You are employed at least 16 hours per week
  • You have a good credit history with no late payments, debt relief orders, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcies
  • You are a permanent UK resident
  • You are able to supply a UK address history for the last 3 years
  • You are not a student (unless employed at least 16 hours per week) or unemployed single house person

We welcome applications from individuals who are retired, in receipt of a private or company pension (aged 50 or over at date of application).

Decisions are made based on credit history available from credit bureaus, as well as using public registers such as the electoral roll.

Please note, meeting the above criteria does not guarantee finance acceptance.

Can someone apply on my behalf?

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

How long does the application take?

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.

Do I have to pay a deposit?

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.

What happens after I’ve been approved?
If you’ve been approved, you are then required to pay the deposit – this is done by debit/credit card.

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.

What if my application gets declined?

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.

If you have paid a deposit, this will be refunded to you within 3-5 working days.

You are able to ask someone else to make an application on your behalf. If you wish to do this, please see the information here.

How do I make payments?

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.

When can I book in for surgery?

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

Who should I contact if I have questions about my payments?

For all payment queries please call Chrysalis Customer Services - 0333 323 2230

Are there any hidden costs?
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.

What if I need to cancel/rearrange my appointment?
Refunds & Cancellations - Terms and conditions

If you do not attend your appointment or need to reschedule within 48 working hours before the appointment, we may not be able to refund the whole amount to you. This will depend on the specific service. One of our team at Pall Mall will be able to provide you with more information if you require this.

Please read our cancellation policy.

What if I decide that I don’t want the finance?

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.

Who provides the finance?

Finance is arranged through Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193.

Always here to help, whenever you need us

Our expert team are always here to help, advise and arrange appointments with our specialist consultants.

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