Questions to ask before considering procedure finance

Collect the cash price and credit figures separately

Ask for the written cash price of the procedure and then the full credit information, if finance is being discussed. Record the deposit, amount borrowed, number of payments, payment amounts, any final payment and all stated fees. Ask for the APR and total amount repayable. Do not infer those details from an advertisement that only shows a monthly figure.

A fictional arithmetic illustration is £1,000 paid initially plus 24 payments of £200, giving £5,800 paid overall before any other charges. Those invented figures are not an available agreement, an interest-rate illustration or advice to borrow. They simply demonstrate why the upfront payment must stay visible when checking a payment schedule.

Ask who is involved in the agreement

Identify the clinic, any credit broker and the lender. Ask which organisation receives each payment and which contract contains the relevant conditions. Do not assume that the business presenting the procedure is also lending the money. Request copies of the documents to read rather than relying on a verbal description from a sales conversation.

If a provider advertises a promotional rate, ask who is eligible, what acceptance conditions apply and whether fees or a different rate could apply in other circumstances. This website cannot tell you whether you would be accepted. Do not enter income, employment information, account details or credit history into our enquiry form; it has no finance-application function.

• What is the total repayable, including the deposit?
• Are all instalments the same, and is there a final balance?
• Which fees and late-payment consequences are described?
• What happens if the procedure date changes?

Clarify cancellations across both contracts

A procedure contract and a credit agreement may have different cancellation processes and consequences. Ask the lender and clinic to explain their own terms in writing. Specifically ask what happens to a deposit, an outstanding loan or a refund if you change your mind or the provider cancels. This guide does not determine your legal rights or interpret an agreement.

Ask how early repayment would be handled and whether any charge applies. Keep the answer with the payment schedule. If a salesperson suggests that cancelling one agreement automatically ends every obligation, request the relevant written terms rather than assuming this is correct. Seek independent help if the explanation remains unclear before you sign anything.

Do not let the repayment framing replace time to decide

CQC’s cosmetic-surgery guidance warns against special offers urging immediate sign-up and advises taking time after consultation with the operating surgeon. A short-lived finance promotion does not answer questions about risks, limitations or the procedure itself. Those remain matters for a qualified professional, separate from the financial paperwork.

The NHS hair-transplant range of £1,000–£30,000 is a broad published UK figure, not a borrowing target or a forecast of your quote. Our anonymous worksheet adds entered procedure, travel and additional aftercare costs only; it excludes interest and repayment schedules. Use the lender’s complete written figures for any credit comparison, and do not treat this site’s partial total as a statement that a procedure or a loan is affordable.