Medical 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

We offer a range of payment plans from 0% APR interest free credit over 10 months to higher interest bearing loans at 9.9% 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, speak to one of our advisers on 0131 316 2507 and they’ll be able to help you further through our provider Omni Capital Retail Finance.

Most applications are approved immediately so you can access your treatment without delay.

Calculate monthly repayments

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


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

Applying for a loan

Contact our patient advisers on 0131 316 2507 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 Ltd at or call them on 0333 240 8317 Monday to Friday 8am - 8pm, Saturday 9am - 6pm and Sunday 10am - 4pm.

Acceptance subject to credit status.

Medical loans FAQs

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


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 Ltd. 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 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.