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Medical finance with Pall Mall Medical

We fully understand how important it is to receive the treatment and diagnosis you are looking for and money shouldn't be the thing that stands in your way of this. That’s why at Pall Mall Medical we offer a range of medical finance options on over 70 services.

This means you can spread the costs over months and even years. By opting for a finance option, you are able to receive the treatment and diagnosis you need without having to pay a large sum upfront.

On this page, you’ll find all the information you need to understand the finance options available to you at Pall Mall Medical, as well a helpful FAQ section.

Who offers the finance?

Pall Mall Medical work alongside afforditNow to provide finance options.

afforditNow finance is provided by PayBreak Ltd, authorised and regulated by the Financial Conduct Authority and registered in England with company number 07440512. Registered office: PayBreak Limited, The Block, Ashely Road, Altrincham, WA14 2DW.  Pall Mall Medical acts as an intermediary. Pall Mall Medical (Manchester) Ltd is registered in England and Wales No.6980523. Registered office: Queens Court 24 Queen Street, Manchester, M2 5HX.

Pall Mall Medical (Manchester) Ltd acts as a credit broker and only offers credit products from Afford It Now. Pall Mall Medical (Manchester) Ltd is authorised and regulated by the Financial Conduct Authority. Credit subject to age and status.

What makes AffordIt Now different?

Online application process

Unlike other providers, the application process is completely online with no paperwork required at all. This means you can save your application and come back to it at a later date if you need to.

Predictive, not historical approach

Many providers will look only at your history. AffordIt Now uses a predictability model to rate your credit. This means that even if you have had bad credit in the past if your credit score is now improving then you still may be approved for credit now.

What options are available?

  • Interest free - 0% APR, 6 months
  • 16.9% APR, 12 months
  • 16.9% APR, 18 months
  • 16.9% APR, 24 months
  • 14.9% APR, 36 months
  • 14.9% APR, 48 months

For each service, where finance is available, we have listed our two “recommended” options.

Other medical finance options are available - you can vary your deposit amount or spread the cost over a longer or shorter period so that your monthly payment amounts are more suited to your individual situation. Simply ask our team and they'll provide you with a full list of options.

Our representative examples below will also give you an understanding of the medical finance options available to you.

How does it work?

Product 0% APR

16.9% APR

16.9% APR

16.9% APR

14.9% APR

14.9% APR

Months 6 12 18 24 36 48
Price £400 £1000 £1000 £1000 £1000 £1000
Deposit £100 £250 £250 £250 £250 £250
Deposit (%) 25% 25% 25% 25% 25% 25%
Loan Amount £300 £750 £750 £750 £750 £750
Monthly Payment £50 £45.58 £47.46 £37.05 £25.96 £20.84
APR 0.00% 16.90% 16.90% 16.90% 14.90% 14.90%
Interest Rate 0.00% 15.70% 15.70% 15.70% 14.00% 14.00%

How to apply

To apply contact us now!

Simply tell us what service/treatment you would like and we’ll send you the application link.

Most of the services available for finance at Pall Mall Medical will have two recommended finance options on the relevant web page. If you can’t find the information you are looking for, the recommended options, or want to know if you can have a different finance package – simply contact us and our dedicated team will help you.

Key definitions

  • Annual Payment Rate (APR) – the interest rate for the whole year, rather than just a monthly rate.
  • Cost of Credit – the additional amount you will pay in total, compared to if you paid in full upfront.
  • Total Cost including Credit – the amount you will pay overall after you have made all your monthly payments
  • Monthly Payment – the amount you will be required to pay each month until you have paid the full amount
  • Deposit – the amount you must pay upfront. You will not pay interest on this amount. You can vary your deposit from 5% to 50% depending on how much you are able to pay upfront. The higher the deposit, the lower you will have to pay each month.


Which services are available for Medical finance?

If a service is available for finance, this will be clearly identified on the relevant web page. We have also put a full list below for your convenience. If you are looking for finance on any of our services/treatments that are not on the list, please contact our team who will be able to advise if we are able to offer finance.

There is a minimum deposit of 5% and a maximum deposit of 50%.

There is a minimum service price of £250 in order for finance options to be available.

Frequently asked questions