Dental implants cash or finance?

JuicyBrat

I'm about to start the process of having some much needed dental implants installed within the next few weeks. I've saved up all the money (£16,500) and I am super excited. My issue is I can't decide whether to pay cash (spreading the cost over a 5/6 month period, basically paying at each appointment) or apply for finance (assuming I'll be accepted) spreading the cost over 12 months interest free. I know it'll probably boil down to personal preference (I've no idea why I'm undecided which option to go for) but would like to hear from forum members their thoughts for and against either option, if that makes sense. TIA

elsien

If it’s interest free, I’d go for the finance option. Leaves you a bit more to play with if you suddenly  need money for something else in the interim. 

JuicyBrat

Yes, @elsien...I think that's what I was thinking but my mine was so muddled with overthinking it. Thank you 0:)

Beeblebr0x

I was turned down for finance apparently because I'm retired, so I ended up using my savings 

MyRealNameToo

If it's interest free and you can't negotiate a better price without using finance then you may as well use the finance and continue to get interest on your savings. 

The only caveats are if you are going to be needing to remortgage or something similar soon and to check its not one of the old BNPL/3 year credit type deals (though haven't seen any for ages) where its only interest free if you settle in the first year and if you dont settle in that time it converts to a interest carrying loan. They weren't fundamentally a problem but many got caught not paying off in time even though they could have. 

JuicyBrat

@Beeblebr0x...that's a shame and also ageist! Lucky using your savings was an option.

@MyRealNameToo...I was offered a good deal on implants with my regular dentist (who I've been with for a number of years), he now offers private treatment as well as NHS. I don't have any big finance needs (eg remortgage) coming up anytime soon. Update...I have since applied for 12 months interest free credit with Chrysalis Finance and was accepted. Thank you all for your insight 0:)