Paying for your treatment

0% Payment Plans

Are you considering treatment, but are unsure about the best way to pay for it? We are partnered with Chrysalis Finance which allows you to spread the cost of your treatment across our flexible payment plans with fixed, monthly payments over a time period to suit you.

How do I apply?


You will need to complete a simple, online credit application. Just click on the apply now button above, and enter your patient ID number that can be found on your appointment letter.

The information is sent by Chrysalis to the lender immediately and a reply is usually received by return. You can then either sign a credit agreement on screen, or have it emailed for you to complete at home.

To view the treatments that can not be paid for with a Chrysalis Finance loan click here.

How much can I borrow?

You can borrow between £350 and £25,000, subject to status. You must be over 18 to apply, and you must have lived in the UK for at least 3 years.

Do I have to pay a deposit?

A deposit is not required, but if you want to pay one and so reduce the amount you borrow, this is completely up to you.

How much are the repayments?

This will depend on the amount you borrow and whether you pay a deposit. Our staff will show you, completely without obligation, the monthly repayments for your particular treatment. We offer 0% interest free finance over 6 or 10 months, and interest bearing finance at 14.9% APR over longer terms*.

Calculate for yourself the monthly repayments for your treatment by entering the cost in the Chrysalis calculator:



How do I make the repayments?

The monthly payments are collected by Direct Debit and are subject to the usual guarantee from your bank.

When can I start the treatment?

Treatments for a loan value up to and including £1,250 can be started as soon as the credit agreement is signed. Loans over this amount require a cooling off period therefore treatment can start 14 days after the credit agreement is signed.

What if I decide that I don’t want the finance?

There is a statutory ‘cooling off’ period of 14 days after signature for treatments for any loan value up to and including £1,250 during which you can cancel the credit agreement with no cost to you for. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.

Who provides the finance?

*Representative Example: Total amount of credit £3,400. Total charge for credit £1343.00. Total amount repayable £4743.00. Repayable by 60 monthly payments of £79.05. Representative 14.9% APR. Example based upon treatment costing £3,400. repayable over 60 months. Acceptance is subject to status. Terms and conditions apply.

The finance is arranged through Chrysalis Finance Ltd, a company authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under FRN 631193. Company No. 06541664, PO Box 404, Alderley Edge, Cheshire SK9 0EA.

Ramsay Health Care UK Operations Limited is authorised and regulated by the Financial Conduct authority under FRN 702886. Ramsay Healthcare UK Operations is acting as a credit broker to Chrysalis Finance Limited. Ramsay Healthcare UK Operations Limited does not receive payment for arranging credit. *Credit acceptance is subject to application and status. Terms and conditions apply.

Frequently asked questions

Please find some common frequently asked questions provided by Chrysalis Finance here. Please feel free to contact us should you have any additional questions or require any further support.


Using Chrysalis was a no-brainer for me - 0% for 10 months, why wouldn't you?

I had a full hip replacement on the right side by Ramsay Duchy (Truro). I looked on Ramsay’s website to see my options, and then went for a consultation. I talked to them about my payment options and thought that finance was the best option for me.

As soon as Chrysalis was mentioned and I saw the 0% and 10 months, why wouldn’t you go for this option?! Using Chrysalis was a no-brainer for me. It was a very easy process and I would recommend them to anyone. From start to finish, I had all the support I could need.

Read Jim's full story here.

Jim Hughes
Hip Replacement at Duchy Hospital


What our patients say

  • “0% finance, makes private healthcare affordable for all”

    Duchy Hospital

  • “Easy to apply and easy to talk to on the phone regarding a last minute change of plan’s regarding what surgery I was having. Really lovely customer service very satisfied”

    Oaks Hospital

  • “Fast, painless and so easy to organise. Having this option meant that I could have the life saving surgery I needed. And I'm so grateful for that!”

    Woodland Hospital

  • “Easy application and clearly detailed how the loan will be paid. Very happy that I was able to pay 50% as a deposit and loan the remaining 50%, making the repayments affordable.”

    Park Hill Hospital

Paying for yourself?

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