A simple, interest-free way to pay (Subject to status)
The Dental Loan is a simple, interest-free payment method that enables you to spread the cost of your dental care from six months to one year. Any kind of dental care can be paid for under this scheme, including implants, teeth whitening and other forms of cosmetic dental surgery. The loan applies to private treatment and is complementary to any insurance scheme.

With The Dental Loan, you only pay for the treatment you actually receive. It enables you to afford improved dental care for you or your family, whenever it’s needed.

Account benefits
• Spread the cost of your dental care
• Absolutely no interest to pay
• Instantly available credit
• No deposit required
• Simple to understand
• Revolving credit limit available for repeat use

How does the account work?

The costs of your dental treatment are spread over six months to one year depending on the size of the loan. The minimum loan amount is from £2,500.00/£5,00.00

Additional dental care can be added to your account and repayments are calculated on this new value. This new repayment value will not decrease until your balance reaches zero. If you are on time with repayments, there is no interest to add on!

The first installment will be due a month after treatment has commenced. The exact date will be confirmed in our welcome letter that will be sent to you with your card. The minimum payment each month is £40.

The minimum payment each month is £40.

You can continue to use your account up to your credit limit, and once you have started to clear your account, the credit limit is free to be reused on a revolving basis.

A monthly statement will be sent to you keeping you up to date with transactions on your account. How do I open an account?

Simply apply at your dental practice and once your application has been approved, you will be given a credit limit that will allow you access to instant credit. As a security measure, two forms of identification will be required, such as a credit card, most recent utility bill or driving licence. Once your account is in place you may use the facility for any future dental care.

How can I make payments?
The account allows you the flexibility to choose how to make your repayments. The simplest and easiest way is to pay via Direct Debit, but other options such as cheque, debit and credit cards are available.

Payment protection scheme
Our payment protection scheme gives the account holder peace
of mind by covering payments should an unforeseen incident occur. For just 75p per £100 of the outstanding balance per month you can protect your payments against sickness, accident, unemployment and death. To qualify for the cover you must be aged between 18 and 65 years old, and be permanently employed for a minimum of 16 hours per week.

Can anyone else in my family use my account?
As the account holder you can nominate family members to be able to use the facility by supplying details of the chosen person. Phone 0870 1608 806, nominate the family member and your request will be processed. Additional account members may use the facility to pay for dental care, but may not alter any existing arrangements made by the principal account holder.

Can I increase my credit limit?
Should you wish to increase your existing credit limit, please telephone 0870 1608 806 and ask if the limit may be raised. If your request is granted, the limit will be raised immediately offering you the benefit of additional dental care.

Data protection
In assessing your application we will search the files of one or more credit reference agencies that will supply us with credit and identity information as well as information from the Electoral Register. The credit reference agency will record details of our search regardless of whether or not your application proceeds. We will also disclose details about your conduct on the account to credit reference agencies. This information may be used by other lenders to assess credit applications for you and those with whom you are financially linked if credit decisions are made about you or other members of your household.

Credit scoring
We will use a credit scoring or other automated decision-making system when assessing your application. We may use a credit scoring or similar process in deciding whether to accept your application and also during the life of your account for the purpose of increasing your credit limit. This may involve a further search of your records at one or more credit reference agencies.

What if I get declined?
In the unlikely event of your application being declined, under the Data Protection Act we are unable to inform you of the reason over the phone. However, if you would like more information, please write to Clode Plc stating your name and the practice where you applied for the account.

Who are Clode Plc
Clode Plc administer the scheme on behalf of James Hull Associates.
Visit us at: www.clode.plc.uk
Contact us at:
3rd Floor, Alexandra House,
307-315 Cowbridge Road East, Cardiff CF5 1JD
Tel: 0870 1608 806