What is the criteria I have to meet for a Loan?
You must be aged 18 or over to apply for finance with Chrysalis Finance. All applications are assessed individually and are subject to status, so meeting the minimum age does not by itself guarantee acceptance. Your chosen clinic or hospital can confirm which options are available to you before you apply.
We provide finance from £350 to £25,000. The amount you can borrow depends on the cost of your treatment and on the outcome of your application, which is subject to status. Your chosen clinic or hospital will confirm the full cost of your procedure before you apply.
The repayment terms and APR available to you depend on the clinic or hospital you choose, as each partner offers a different range of plans. The options that apply to your treatment will be shown to you in full, including the total amount repayable, before you are asked to sign anything.
A strong credit history makes acceptance more likely, but it is not the only thing we consider. All finance is subject to status and to our terms and conditions. We look at your wider circumstances, including your income and how you have managed credit previously, before reaching a decision.
Yes. To be eligible for finance you need to have been a permanent UK resident for at least the last three years. You will be asked to provide three years of address history as part of your application, so it helps to have those details to hand before you start.
No. Chrysalis Finance only funds treatment that is carried out in the United Kingdom, at a UK hospital, clinic or practice registered with Chrysalis Finance. We do not finance treatment abroad, overseas procedures or medical tourism, and we cannot fund travel, accommodation or aftercare linked to treatment outside the UK. Applicants must also have been a permanent UK resident for at least the last three years.
Working part-time or studying does not automatically rule you out, as we consider a range of factors when assessing an application. If your own application is not successful, a friend or family member may be able to apply on your behalf instead. They would then be responsible for the repayments.
A friend or family member can apply on your behalf. Whoever applies becomes the borrower and is responsible for making the repayments, so they should be comfortable with that commitment. All applicants are credit checked as part of the application, and the finance is subject to status.
No. You do not need to own your home to apply for finance with Chrysalis Finance. Homeowners and tenants are both able to apply. Your application is assessed on your individual circumstances, including your income and credit history, rather than on whether you own a property.
Yes, self-employed applicants are welcome to apply. The lender may ask you to provide proof of income to support your application, such as recent accounts or bank statements. Having these ready before you apply can help the process move more quickly. All finance remains subject to status.
You will need your full name and date of birth, three years of address history, three years of employment history, and details of your income and regular expenditure. You will also need your bank account details for the Direct Debit. Having this to hand makes the application much quicker.
Yes. Before applying you need to have chosen the clinic or hospital carrying out your procedure and had a consultation with them. This confirms the treatment is suitable for you and establishes the final cost, which is the amount your finance application will be based on.
For online applications we aim to give you a decision instantly. In some cases we may need further information before we can decide, which can take a little longer. Once your agreement has been signed electronically, funds are released to your clinic or hospital in line with your procedure date.
Red highlighting marks mandatory fields that must be completed before you can move on to the next question. Once a field has been filled in correctly it turns green. If a field stays red, check the format of what you have entered, as the system may not have accepted it.
Please contact our applications department as soon as you notice the error and they will help you put it right. Depending on what has changed, the application may need to be resubmitted. It is important the details are accurate, because they form part of your credit agreement.
- Silicone face injections.
- Polyacrylamide gel injections.
- Synthetic Permanent Dermal Fillers.
- Laser treatments in relation to hair growth
- Supplements and vitamin IV treatments
- Brazilian Butt Lifts (BBL)
- Semi-permanent makeup and tattooing
- Pregnancy Terminations.
- Fertility Treatment IVF Treatment
- Oncology treatment
- Gender Reassignment (Sex Reassignment Surgery).
- Genital Modification
- Clinical Depression (Major Depressive Disorder).
- Self-induced addiction (Alcohol & Drug Addiction).
- Collagen/ Hyaluronic acid.
The above generic description list is for guidance only. All treatment types must be confirmed before a credit application and commencement of treatment.
Other non-listed treatments may be available/approved, please call 0333 32 32 230
What happens when I am approved?
We never pay funds to you directly. The lender pays your chosen clinic or hospital on your behalf, in line with your procedure date. This means your treatment is settled directly with the provider, and your only ongoing commitment is the monthly repayment set out in your agreement.
Yes. We need to know when your procedure is due to take place, as this determines when funds are released to your clinic or hospital. If your date changes after you have applied, please let us know so we can update your file and adjust the release of funds accordingly.
E-signing is an online process that lets you sign your credit agreement electronically rather than on paper. You will receive a secure link, review the documents, and sign them from your phone, tablet or computer. An electronic signature has the same legal standing as one made in ink.
Once your agreement is in place you will receive a Direct Debit Instruction which sets out your payment amounts and collection dates. Your first collection date is confirmed in that paperwork, so you will know exactly when payments begin. If the date does not suit you, please get in touch.
Yes. If your Direct Debit date does not suit you, it can usually be changed quickly and easily. Please get in touch and we will arrange a more suitable date. Where possible, contact us before your next collection is due so the change can be applied in time.
Please get in touch and we will update your bank details for you. For security we will need to confirm some information with you before making the change. Where possible, contact us before your next collection date so the update takes effect in time for that payment.
Please get in touch and we will update the address held on your account. Keeping your details current matters, because we use them for correspondence about your agreement. If any other contact details have changed, such as your phone number or email address, please tell us at the same time.
All loans are subject to a statutory 14-day cooling-off period, which starts from the day your application is signed. If you decide to cancel within those 14 days, please contact us as soon as possible and we will explain what happens next and any amount that may be due.
Like any responsible lender, we consider your personal circumstances, previous account conduct and credit history. If your application is not successful we will let you know. Being declined does not prevent you discussing other options with your clinic, and you are welcome to contact us if you would like to talk it through.
Chrysalis Finance is a long-established business working with hospitals and clinics across the United Kingdom. We provide specialist patient finance that lets people spread the cost of private medical and dental treatment. We are authorised and regulated by the Financial Conduct Authority under FRN 631193 for lending and credit broking. All treatment we fund takes place in the United Kingdom. We do not finance treatment abroad or medical tourism.
If your question is not covered above, please get in touch and we will be happy to help. You can call, email or use our contact form, and the team is available Monday to Saturday. If your question relates to an existing agreement, please have your details ready.
