If you're paying for your own treatment at a Spire hospital, you may want to consider spreading the cost of your treatment through our range of finance options.

We offer a range of payment plans from 0% APR interest free credit over 10 months to higher interest bearing loans between 9.9% APR and 16.9% APR if you wish to spread your payments over 12 months or more (up to 60 months). The loan can be personalised based on how much you’d like to pay per month, how long you want the payments to be spread over and how much deposit you’d like to pay.

If you’re interested in finding out more and you know the cost of the treatment you need, please speak to one of our advisers at the hospital you’re going to and they’ll be able to help you further through our two providers Omni Capital Retail Finance and Zebra Health Finance. Most applications are approved immediately so you can access your treatment without delay.

If you’re having treatment at one of the following hospitals, please see details below for Omni Capital Retail Finance:

  • Spire Bristol Hospital
  • Spire Bushey Hospital
  • Spire Cardiff Hospital
  • Spire Cheshire Hospital
  • Spire Edinburgh Hospitals
  • Spire Hull and East Riding Hospital
  • Spire Portsmouth Hospital
  • Spire Washington Hospital

For all other hospitals, finance is provided through Zebra Health Finance.

Representative examples

Zebra Health Finance with-interest illustration

Based upon loan of £2,500 repayable over 36 months.

Amount of loan £2,500. Repayable by 36 monthly payments of £87.54 by direct debit commencing within a month from when you sign the loan agreement.

Total amount repayable £3,151.44. Rate of interest 15.7% pa variable. Representative 16.9% APR variable.

Call Zebra Health Finance today on 01332 680 400 for further information or to see if you are eligible for a Zebra Health Loan.

Lines open 8am - 7pm Monday to Friday, 9am - 5pm Saturday

Or apply at www.zebrahealthfinance.com

Zebra Finance Ltd trading as Zebra Health Finance
Lincoln House
Stephensons Way
Wyvern Business Park
Derby, DE21 6LY

Acceptance subject to credit status. 

Representative example of payments from Omni Capital Retail Finance

Examples Joint pain relief injections Knee arthroscopy Hip replacement
Cost of treatment £1,915 £3,460 £12,640
Loan amount £1,665 £2,960 £11,140
Representative APR 0% 9.9% 9.9%
Deposit £250 £500 £1,500
Monthly repayment £167 £136 £280
Number of monthly repayments 10 24 48
Total amount repayable £1,670 £3,264 £13,440

Find out more

Contact our patient adviser teams 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.

You can apply for finance once you’ve received your treatment letter with appointment date and fixed price quote has been agreed but you’ll need to have the loan approved before you come in for your treatment. For questions about your loan application, contact Omni Capital Retail Finance at customerenquiries@ocrf.co.uk or call them on 0333 240 8317 Monday to Friday 8am - 8pm, Saturday 9am - 6pm and Sunday 10am - 4pm.


Spire Healthcare Limited is registered in England and Wales 1522532. Registered office: 3 Dorset Rise, London EC4Y 8EN. Spire Healthcare Limited acts as a credit broker and offers credit products from Omni Capital Retail Finance. Spire Healthcare Limited is authorised and regulated by the Financial Conduct Authority, registration number: 689975. Your application will be subject to a credit check using a recognised credit reference agency as part of our assessment process. Credit is subject to status, UK residents aged 18 years and over. For more information please visit http://www.omnicapitalretailfinance.co.uk/

Omni Capital Retail Finance Ltd finance options are subject to individual status and terms and conditions apply. Finance is provided by Omni Capital Retail Finance Ltd which is a credit intermediary. Spire Healthcare does not receive payment for introducing patients to lenders. All named here are authorised and regulated by the Financial Conduct Authority. Omni Capital Retail Finance Ltd is registered in England and Wales 7232938. Registered address: 10 Norwich Street, London, EC4A 1BD.  Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279.

Spire Healthcare Ltd is a broker to Zebra Finance Ltd (trading as Zebra Health Finance) at Lincoln House, Stephensons Way, Wyvern Business Park, Derby DE21 6LY. www.zebrafinance.com. Company No. 06960530. Zebra Finance Ltd is a broker, lender and agent of R Raphaels & Sons Plc who will be the named lender. Neither Spire Healthcare nor Zebra Finance receive payment for arranging credit. Both are authorised and regulated by the Financial Conduct Authority. Credit offers subject to application and acceptance. Terms and conditions apply.