For 0% finance on implants or Invisalign in Sutton, Keppel Advanced Dentistry on Cedar Road is my first choice. It publishes its prices (implants from £1,650 per tooth, Invisalign from £3,950) and offers 0% APR for up to 24 months, or 9.9% APR for up to 60 months. Bupa Dental Care Wallington offers 0% APR for up to 36 months on private treatment, subject to the amount borrowed.
Implants and Invisalign are two of the treatments people put off longest, and it’s rarely because they don’t want them. It’s the number. A single implant with its crown, or a full course of aligners, can easily run past £3,000, and most of us don’t have that sitting in a current account.
That’s why 0% finance matters. I looked at practices in and around Sutton that offer implants or Invisalign, checked what finance each one publishes, and noted starting prices where they’re listed. Here’s what I found, plus what to check before you sign anything.
How I compared them
I read each practice’s own website for three things: whether it offers implants or Invisalign, what finance terms it actually states, and whether it publishes starting prices. A practice that says “finance available” with no terms isn’t wrong, but you’ll need to ask more questions, so I’ve noted that.
1. Keppel Advanced Dentistry, Cedar Road, Sutton
Keppel Advanced Dentistry at 1 Cedar Road, Sutton SM2 5DA, is the practice I’d start with, because it’s the most open about both price and finance terms.
Its fees page lists implants from £1,650 per tooth, an implant crown from £1,400, Invisalign from £3,950 and fixed braces from £3,500. The practice’s smile makeover page sets out the finance clearly: 0% APR for up to 24 months, or 9.9% APR for up to 60 months if you’d rather spread payments further.
To give you a rough idea, a single implant and crown at the starting prices comes to £3,050. Spread over 24 months at 0%, that’s about £127 a month. Invisalign at £3,950 over 24 months works out at about £165 a month. These are illustrations only. Your actual plan depends on your treatment, any deposit and the lender’s approval.
What I like is that you can see the costs before you commit. There’s a free consultation with a treatment coordinator, and every implant case starts with a clinical assessment including digital scans, followed by a written plan with a full breakdown of costs. Implant work is led by Dr Carl Manhem, who the practice says is internationally recognised for advanced techniques including same-day solutions, and full mouth implants are available for people replacing several teeth. You can read more on its page about 0% finance on dental implants in Sutton.
If you’re nervous about surgery, the practice offers conscious sedation given by a Consultant Anaesthetist, and there’s free parking on site.
The trade-off: its starting prices aren’t the lowest locally. Pine Dental lists Invisalign from £3,000. But Keppel combines clear pricing, clear finance terms and specialist support under one roof, which makes the decision far easier.
2. Bupa Dental Care Wallington
Bupa Dental Care Wallington at 21 Stafford Road, Wallington, offers implants and Invisalign aligners. Its finance is the longest 0% term on this list: 0% APR representative on repayment terms of up to 36 months, subject to the amount of credit. Terms of 48 or 60 months are at 7.9% APR. Bupa’s finance page says the minimum spend is £250, finance is provided by Novuna Personal Finance, and it applies to private treatment only. Prices are on a separate treatment page.
Suits: people who want the longest 0% term and Saturday appointments.
3. Pine Dental, Belmont
Pine Dental at 1 Station Approach, Belmont, lists implants from £2,500 and Invisalign from £3,000, and says 0% financing is available on dental treatments. It doesn’t state the term on its homepage, so ask how many months are interest-free.
Suits: the lowest published Invisalign starting price locally.
4. Zen House Dental, Banstead
Zen House Dental at 55 High Street, Banstead, lists 0% finance plans and offers both implants and Invisalign. It describes itself as among the top 1% of Invisalign providers in Europe. Fees and finance terms are on a separate page.
Suits: Invisalign with Saturday morning appointments just south of Sutton.
5. Portman Smile Clinic Banstead
Portman Smile Clinic at 113 High Street, Banstead, focuses on orthodontics, including Invisalign, fixed braces and lingual braces. It offers 0% interest-free credit through V12 Retail Finance, subject to affordability and a minimum spend. Implants aren’t listed on its Banstead page.
Suits: orthodontics only, with a clearly named finance provider.
6. Love Teeth Dental, Sutton High Street
Love Teeth Dental at 5 Sutton High Street offers Invisalign and implants, and its website notes that the group acts as a credit broker. It also runs a Denplan membership for check-ups and cleans. Finance terms aren’t stated on the Sutton page, so ask before booking.
Suits: a central High Street practice with a membership plan.
Before you sign: what to check on any 0% deal
0% finance can be good value, but only if you understand the agreement. As Citizens Advice puts it in its guide to credit sale agreements: “As long as you keep to the payments you won’t be charged interest.” The same guide warns that if you fall behind, the lender may start charging interest.
So before you sign, check:
- How many months are actually 0%? Some practices offer 0% only up to 12 or 24 months, with interest after that.
- Is there a minimum spend? Bupa’s is £250. Others may be higher.
- Is a deposit needed? It changes the monthly figure.
- Who is the lender? The practice is usually a broker, not the lender.
- What’s included in the price? For implants, check whether the crown, scans and follow-up visits are included.
- Will there be a credit check? Ask before applying, especially if you’re planning other borrowing.
Frequently asked questions
Can I get dental implants on finance in Sutton?
Yes. Several practices offer it. Keppel Advanced Dentistry offers 0% APR for up to 24 months on implants, with implants from £1,650 per tooth. Bupa Dental Care Wallington offers 0% APR for up to 36 months on private treatment.
Is 0% dental finance really interest free?
It is if you make every payment on time and stay within the 0% term. Missed payments or longer terms can bring interest. Read the agreement before signing.
How much is Invisalign per month in Sutton?
At Keppel’s starting price of £3,950, it’s about £165 a month over 24 months at 0%. At Pine Dental’s £3,000, it’s £125 a month over 24 months, if that term is offered.
Do I need a consultation before applying for finance?
Usually, yes. You’ll need a treatment plan and price first. Keppel offers a free consultation with a treatment coordinator to go through options and finance.
Final thoughts
The right finance deal is the one where you know the full price, the exact 0% term and what happens if life gets in the way. In Sutton, Keppel Advanced Dentistry publishes all three clearly, which is why it’s where I’d start for implants or Invisalign. Call 0208 642 0355 to book a free consultation.
General information only; check details directly with each business.