First Finance Dental - Anybody had dental finance through these guys?

EatingGlitter

Hiya,

I wasn't sure whether to put this under health or loans but I thought I'd put it here as it's more money related.

I've been for a consultation about getting three dental implants done, the cost of which is around £4,500 (ouch!) but I'm getting married and I want to finally have my beautiful smile back after a car accident.

I *could* have got a denture but I hate the idea of replacing it and my gums receeding etc.

My dentist offers financing using First-Finance Dental. They have a 12 month 0% interest option and up to three years finance.

In terms of debt I have just got a mortgage in May and I have no outstanding debts (except for about £7 on my OD) I do owe family money but that can be repaid as and when.

My main concern is which credit agency they use as I have a pretty good score, last time I checked, on Experian but my Equifax has a default for £62 on from about 3 years ago that I've argued and argued but can't get cleared.

Obviously my credit can't be THAT pants if I got accepted for a mortgage recently but will that hinder my chances of getting accepted for finance now?

Any advice would be great

Tixy

Its looks from their website that they might just be brokers - it says finance is provided by a maximum of 2 finance providers which we have a commercial relationship with.

Can you afford to repay in 12months? if you need to pay over longer have they given a representative APR for a longer period? (remembering that you find you are accepted at a higher rate than the representative 0% or X%.

Depending on how long a term you will need to pay it back it might be cheaper just to try a personal loan - or a 0% purchase credit card.

Also if you choose your own finance provider you should have a better chance of identifying a firm that used experian rather than equifax.

BackOnTrack

Try the coop for a loan. I have a default on my equifax from about 5 years ago but not on my experian report and was able to get a loan at a decent rate from the coop.

EatingGlitter

Well I need to speak to my other half as he's suggested that he will pay half, so if we took it out at 0% over 12 months and paid back £375 per month we would split it down the middle (I love my DF!)

A loan from the Co-Op might not necessarily be a bad idea but I'd have to finish tweaking my credit report though as I think I'm still registered to vote at my old address.

Thanks!