


We understand that the cost of cosmetic treatment can feel like a significant hurdle, and that everyone's financial situation is different. That's why we offer a range of flexible payment options designed to make your treatment genuinely accessible.
Whether you're working with a limited credit history, a low credit score, or simply prefer to spread the cost, our Patient Coordinators are here to help. At your consultation, they can carry out a soft credit search to assess your options, with no impact on your credit score.
Our aim is straightforward: to make sure cost is never the reason you can't access the care you want.
24 - 60 months at 16.9% APR
Our deposits start from £500, allowing you to choose a deposit payment that suits you
Your patient co-ordinator will be able to walk you through the finance application journey, offering advice and guidance to make the process easier for you
Our finance providers are trusted by the public from high-street purchases to life-changing healthcare.
Get your finance accepted and your surgery booked!
We've partnered with Chrysalis Finance to offer flexible payment plans that can be tailored to your situation:
You can adjust your deposit amount or repayment period to find a monthly payment that works for you. Just ask our team and they'll walk you through the full range of options.
Who provides the finance?
Finance is arranged through Chrysalis Finance Limited, authorised and regulated by the Financial Conduct Authority (FRN 631193).
Am I eligible?
Most patients are eligible, but you may not qualify if you have a poor credit history, insufficient income, are not a UK resident or registered for UK tax, or are under 18.
If you're unsure, our Patient Coordinators can carry out a soft credit search at your consultation to check your likelihood of acceptance — with no impact on your credit score. And if finance isn't the right fit, we'll explore alternatives such as staged or personalised payment plans.
How much will I repay each month?
This depends on the total cost of your procedure and the deposit you choose to put down. Our team can walk you through your repayment options with no obligation.
You can also use the Chrysalis Finance calculator to estimate your monthly repayments yourself.
You can borrow between £350 and £25,000, subject to status. You must be at least 18 to apply, and you must have lived in the UK for at least 3 years.
There are certain criteria you must meet in order to be accepted:
We welcome applications from individuals who are retired, in receipt of a private or company pension (aged 50 or over at date of application).
Decisions are made based on credit history available from credit bureaus, as well as using public registers such as the electoral roll.
Please note, meeting the above criteria does not guarantee finance acceptance.
The application itself only takes a few minutes and is completed online. As the application process is online, once you’ve submitted your application, you should find out within seconds if you’ve been approved, or “referred”.
If you do get referred, this could just mean that the lender needs a bit more information from you, Chrysalis will be in touch to talk about information needed.
A minimum deposit of £500 is required. You can choose to pay more than the minimum required deposit to lower your monthly payments.
If you’ve been approved, you are then required to pay the deposit – this is done by debit/credit card.
Pall Mall Medical will get an instant notification and will contact you shortly after this with details on the next steps for the service you have booked.
We are unable to comment on individual applications as the lender may not give us a reason for the decline. Often, applications are declined because incorrect information is given. If you believe this to be the case, please ensure your address history and all other information is entered accurately.
If you have paid a deposit, this will be refunded to you.
The monthly payments are collected by Direct Debit, starting one month after you sign the credit agreement, and are subject the usual guarantee from your bank.
You can choose to book your surgery date either before or after applying for finance.
If you book before applying, a separate deposit will be required, paid directly to Pall Mall, and will count toward your total treatment cost.
Please note: your surgery must be scheduled at least 14 days after your finance agreement has been approved and signed. If you choose a date within this 14-day cooling-off period, you may need to self-fund the procedure.
For all payment and queries regarding your finance agreement, please call Chrysalis Customer Services - 0333 323 2230
There are no hidden costs.
The Kat & Co team can provide you with full information of what you will be required to pay if you are unsure.
There is a statutory ‘cooling off’ period of 14 days after signature during which you can cancel the credit agreement with no cost to you. However, if you have started any treatment which would have been financed, you will have to make other arrangements to pay for it.
Finance is arranged through Chrysalis Finance Limited, which is authorised and regulated by the Financial Conduct Authority to carry out the regulated activity of credit broking under Firm Reference Number 631193.
A common rule of thumb is that your total monthly payments, including the proposed loan, should not exceed 20-30% of your disposable income. This range provides a buffer for essential living expenses and unexpected costs.