Get an interest-free loan in under 5 minutes

It only takes 2 minutes to apply and you’ll get an answer straight away. Applying for a loan has never been easier.

Available for many treatments and for up to £30,000. Credit decisions will be subject to your individual circumstances. You must be over 18 and earn an income to apply.

How it works

Receive a finance link

After your consultation the practice will send you a request by email or sms.

Choose how to pay

You click the link in the email and select the payment option that suits you best

And apply in 2 minutes

The credit application is short and should take you about 2 minutes to complete

Applying is easy and won’t affect your credit score

Our lenders ask simple, but relevant questions and your data is kept private at all times.

Finance applications only run soft credit checks, so if your application is unsuccessful your credit score won’t be affected.

9 out of 10 of our credit decisions are instant

Our sophisticated algorithms give you a response in under 3 seconds.

If you’re approved, you just need to choose when you want payments to be collected each month and you can start the loan right away.

If you’re unsuccessful, you can refer the application to a friend or family member and have them apply on your behalf.*

Payments are taken once a month and there are no hidden fees

Once your loan starts, payments are collected every month, you can easily change your payment day online if you wish to.

You also won’t get charged an extra fee for things like repaying early, or even for missing a payment.

Once your last payment is through, that’s it, you’re done.

Finance calculator

Enter the amount you wish to finance*

Select the number of monthly payments

£0.00 per month

Interest (APR)

0.0% (0.0%)

Fixed

Cost of credit

£0.00

Total to pay back

£0.00

Representative example

A loan of £0.00 over 0 months would cost you £0.00 per month at a representative 0.0% APR.

The total amount of credit would be £0.00, to which we would add £0.00 (0.0% p.a.). This means the total cost of your treatment after 0 months would be £0.00.

If you were take out the loan today, you’d pay the first £0.00 upfront, and then -1 payments of £0.00 each month, starting 29 Nov, and ending in Nov 2023.

*This can’t be more than your treatment cost

Frequently asked questions

How do I apply?

To apply you’ll need to get in touch with your practice and make arrangements to receive treatment. Typically, this will involve a consultation.

Once the practice recommends a treatment plan and you are happy with it the reception team will discuss payment options with you and send you an email with a link to start your credit application online.

The application will require you to answer a few simple questions including details about yourself such as age, home address, income and anything that might affect your monthly expenditure.

We do not review or make a decision on your loan application. This is done by Tabeo as loan servicer on behalf of the lender.

The application is done entirely online, so it can be completed in-practice or at home. You will receive a decision from Tabeo on whether or not you are approved instantly.

What payment methods can I use?

Your monthly payments are collected from your UK debit card.

Unfortunately we cannot accept credit cards or Amex, because this would constitute in financing credit with more credit.

Who will be providing the loan?

The loan agreements involve three parties:

The borrower: This would be you.

The credit intermediary: The practice, in this case Phillips & Co .

The lender: This would be the company offering you the loan, The details of which will be provided to you with your loan offer.

When are payments taken?

Payments are taken once a month on a day of your choosing, but the first payment will always be taken upfront.

We will always make sure that there are at least 28 days between your first and your second payment, so in some cases, we might push your second payment to the following month.

After your loan starts, you will be able to change your payment day.

What if I miss a payment?

Things don’t always go according to plan, but if this ever happens and you end up missing a payment, you won’t be charged any extra fees for it.

You should note that missing loan repayments can adversely affect your credit score.

If you miss a payment, simply log back into your account and pay any outstanding amount.

If you have any difficulties making repayments, our team will always try and work out a repayment plan that suits what you are able to pay.

What is Tabeo?

Tabeo provides payments solutions for Phillips & Co and many other healthcare businesses in the UK.

Tabeo may also act as credit broker and loan servicer, meaning that your loan will be written and managed entirely through Tabeo. Depending on your term and credit profile, Tabeo will only introduce you to one suitable lender.

Are the loans regulated?

Your loan agreement will specify if it is regulated. Unregulated agreements have fewer statutory protections.

* If you refer your application to a friend or family member, they will have fewer statutory protections than if you took out the loan yourself.

Interested in finance?

Contact the friendly team at Phillips & Co and ask about treatment finance.
You can call

01325-466867

or email

[email protected]

Tabeo handles payments for Phillips & Co and many other businesses in the UK. To learn more visit

our website

SP DENTAL LTD trading as Phillips & Co with its address at Caring Gentle Dental Centre Ltd, 15 Woodland Road, DARLINGTON, DL3 7BJ, UNITED KINGDOM. SP DENTAL LTD is a credit broker and will only introduce you to one suitable lender based on your choice of loan. Authorised and regulated by the Financial Conduct Authority (FRN 845993).

Tabeo Broker Limited trading as Tabeo with its address at 5th Floor, 10 Finsbury Square, London EC2A 1AF. Tabeo is a credit broker and loan servicer. It will only introduce you to one suitable lender. Authorised and regulated by the Financial Conduct Authority (FRN 777539).