Spread the cost for up to 4 years!

We understand the cost of any form of surgery can be expensive these days and paying up front for many people may not be an option. Using our finance offering makes funding the cost of your surgery more manageable.

For that reason we have teamed up with DEKO whose on line systems allow you to complete the loan application process quickly, easily, ensuring that you are well informed and you can get a decision typically within a few minutes

Check your eligibility

There are certain eligibility criteria and you will only be considered for finance if you:

  • Are 18 years of age or older
  • You’re in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum)
  • If you are retired and receiving a private / company pension or in receipt of disability allowance, you may also still be eligible.
  • You must be a permanent UK resident and have lived in the UK for at least 3 years
  • You must have a UK bank account capable of accepting Direct Debits
  • You should have a good credit history
    • No late payments
    • No debt relief orders
    • No County Court Judgment (CCJs)
    • No Individual Voluntary Arrangement (IVAs)
    • No previous bankruptcy proceedings

You will be asked to provide an email address so your documentation can be emailed to you.


Our payment plan options

Our loans can be taken out over 12 to 48 months, however the loan value must be over £500 and our finance plan allows you to vary your deposit amount between 10% and 50% of the total cost of your surgery.





Representative example is shown below for a Face Lift with payments over 48 months

12.9% APR finance over 48 months

Total Value of Surgery: £5,295.00

10% Deposit Required: £530,00

Total amount of Credit: £4,765

Duration: 48 Months

Representative APR: 12.9%

Interest Charged: £950.24

48 Monthly Payments: £93.20

Total Amount Payable: £4,865.24


Within the finance calculator you can see the procedures that would be available through our finance options, click here

Applications will be assessed on meeting the eligibility criteria, your credit history and an assessment of the affordability of repayments. You will be advised of the outcome almost immediately (via email). When applying for finance, DEKO will carry out a hard credit check which will be recorded on your credit history, so please be aware of this.

Once you finance is approved DEKO will provide you with all the information from the loan provider, thereafter you will need to electronically sign the proposed credit agreement. Once this is done you will be asked to pay your deposit and then you will receive a complete set of paperwork.

In certain cases, your application may be referred for further review by the lender and in this case you will be advised via email of the credit decision within 24 hours.

In cases where you are not approved for finance, the lender should be able to advise on the reason for the decision

Approximately one month after you have completed your surgery the first direct debit payment will be taken. On your statement it will show as a payment to your lender. Should you wish and if your circumstances allow you can repay all or part of the loan early at any time.

As with most finance agreements there is a “14-day cooling off period” where you can withdraw from the credit agreement after signing your documents. This fits well with our company policies as we apply a 14-day colling off period between confirming your surgery and your surgery taking place.

Should you decide to cancel, contact us (your retailer) in the first instance and we will cancel the application on your behalf. There is no need for you to contact DEKO or the lender directly.

A payment plan does not affect our standard refund policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

For details on our Refunds and Cancellation policy please click the link below

Surgery Cancellation Policy for Medical Loan Patients:

  • 14 days or more cancellation notice given prior to surgery date (and not rescheduled) the loan will be cancelled, and the patient will be required to pay £100 administration charge directly to Persona Facial Surgery.
  • Less than 7 days prior to surgery, there will be a cancellation charge equivalent to 20% of the surgical fee payable to Persona Facial Surgery, which will be billed directly to the patient.
  • Patients who use medical loans are personally responsible for all scheduling, rescheduling and cancellation fees, regardless of their financing status.

 

Additional Information

  • Fees for initial consultation or any services such as pre-operative tests that have already been carried out are non-refundable.
  • If the patient has paid for any of these fees with a major credit card, the cancellation fees stated above still applies
  • Failure to attend on the day of the scheduled surgery is also deemed a ‘cancellation’ and is subject to the above cancellation policy.

 

For any other questions contact us on telephone or email.

Telephone – 0141 406 2868
Email – enquiries@personafacialsurgery.co.uk

Persona Facial Surgery is a trading name of La Belle Forme Limited who are authorised and regulated by the Financial Conduct Authority, registration number 912548 and act as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.

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