Flexible finance for
expert healthcare
Flexible finance for
expert healthcare
At Spire Healthcare we combine medical expertise with flexible payment options to suit you. If you’re paying for your own treatment you may want to consider spreading the cost of your treatment with a finance plan. From hip replacement to hernia repair, finance plans are available on most of our treatments (eligibility criteria apply).
How to arrange treatment
Book your consultation
Book online or on the telephone wit your chosen specialist at a time to suit you
Calculate monthly repayments
Once you have agreed the treatment plan with your specialist, use our online calculator to see how much will pay monthly
Apply for finance
Contact our patient advisers to learn more about available finance options. We can talk you through the different representative examples over a range of repayment terms and send you a link to apply online through Omni Capital Retail Finance.
Example treatment prices and repayments
All our payment plans have flexible terms, which you can adjust based on the price of your treatment. You can see prices for other treatments at your local hospital here.
|
Procedure |
Surgery price* |
Deposit |
Loan amount |
Loan term (all 9.9% APR) |
Monthly repayment |
Total amount repayable |
|
Cataract |
£3,150 |
£971.56 |
£2,178.44 |
24 months |
£100 |
£2,400 |
|
Hernia |
£3,764 |
£641.21 |
£3,122.79 |
36 months |
£100 |
£3,600 |
|
Hip replacement |
£16,185 |
£4,238.82 |
£11,946.18 |
48 months |
£300 |
£14,400 |
|
Knee replacement |
£16,356 |
£4,409.82 |
£11,946.18 |
48 months |
£300 |
£14,400 |
*Total price achieved by 40% of patients using 2025 data with current hospital fees.
What’s included in your surgery price?¹
Your personalised price will depend on your consultant, treatment and hospital, but typically includes:
Pre-operative assessment
Including any tests you may need to assess your fitness for surgery
Surgery
Includes time in theatre and all specialist and nursing care
Hospital stay
Depending on your procedure you'll either be discharged the same day or stay with us as an inpatient
Follow up appointment
If necessary, you'll receive a follow up appointment with your consultant
Lorri's story
After years of daily pain and swelling in her knee, Lorri’s life was being disrupted. Frustrated and at breaking point, she was referred to Spire Healthcare by her GP and saw a consultant within 2 weeks.
Darren's story
After a routine annual check-up through work, Darren received unexpected news. With no symptoms and no warning signs, he was soon diagnosed with prostate cancer.
Rachel's story
Rachel’s life was restricted by severe back pain. She struggled to enjoy simple moments like taking her grandchildren to the park - until she came to Spire.
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*Total price achieved by 40% of patients using 2025 data with current hospital fees. Other loan terms and payment options available (see https://www.spirehealthcare.com/how-to-book/medical-loans/). Prices vary by hospital. Robotic procedures excluded. Credit subject to status. Spire Healthcare Limited acts as credit broker; Omni Capital Retail Finance Ltd as lender. Both are authorised and regulated by the Financial Conduct Authority (Spire: 689975; Omni: 720279). Spire Healthcare’s registered address is 3 Dorset Rise, London, EC4Y 8EN. Terms apply: spirehealthcare.com/legal/terms-and-conditions/.
1Treatment always subject to clinical suitability at pre-operative assessment. All treatment subject to the Spire Healthcare patient terms and conditions
Loan applicable to the treatment cost and excludes the initial consultation. Credit subject to status. UK residents aged 18 and over. Spire Healthcare is acting as a credit broker, Omni Capital Retail Finance Ltd is the lender.