Treatment loans

If you’re paying for your own treatment you may want to consider spreading the cost of your treatment through our range of finance options.

Fast access to treatment with payment options to suit you

A medical loan gives you the flexibility to spread the cost of private treatment.

Our partner Omni Capital Retail Finance offers a range of repayment plans including interest free finance – 0% APR Representative. Most applications are approved immediately meaning you don’t have to delay getting treatment.

Finance is available on a range of medical procedures including hip and knee replacements, weight loss surgery and cosmetic surgery.

  • £1,000 minimum loan amount
  • Repay over 10 months at 0% APR Representative or 9.9% APR Representative for terms from 12 months up to 60 months
  • Easily check repayment options with our finance calculator and eligibility checker

Credit is subject to status, UK residents aged 18 years and over.

Calculate monthly repayments

and check your eligibility for finance without affecting your credit rating

Use the finance calculator to view other payment options and monthly repayment amounts.


Applying for a loan

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.

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 or call them on 0333 240 8317 Monday to Friday 8am - 8pm and Saturday 9am - 6pm.

Acceptance subject to credit status.

Treatment loans FAQs

Find answers to regularly asked questions relating to finance provided by Omni Capital Retail Finance.

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 £166.50 £136 £280
Number of monthly repayments 10 24 48
Total amount repayable £1,665 £3,264 £13,440
Final cost including deposit £1,915 £3,764 £14,940

Patients with finance provided by Zebra Health Finance

If you’ve taken out finance through our previous partner Zebra Health Finance, you can contact them with questions about existing loans on 0333 321 6249.


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

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 provider/lender. 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.