Bath Fertility

01761 434 464

Interest-free finance

Interest-free finance – allows you to spread the cost of treatment, at no additional cost, over 12 months.

Before you apply please note this is only available if you are:

  • 18 years of age or older
  • In regular full or part-time employment (minimum 16 hours per week of £5,000 per annum, unless you’re retired or receiving a private/company pension or in receipt of a disability allowance)
  • A permanent UK resident and have lived in the UK for at least three years
  • Have a good credit history with no late payments, debt relief orders, CCJ’s, IVAs or bankruptcies

If you’re interested in choosing this option, the value of the loan needs to be over £500 and a minimum deposit of 30% of the value of the service is required.  You’ll be subject to a credit search.

Example of Interest free finance over 12 months

Total value of your treatment = £5,000

30% deposit = £1,500

Total amount of credit= £3,500

Duration= 12 months

APR = 0%

Interest charged is £0

12 monthly payments of £201.67

Total amount payable is £5,000

Your application will be assessed based on various factors including eligibility, credit history and affordability. Following an online application, the result is available within a few minutes.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified of the credit decision within 24 hours. If finance is not approved this may be for variety of reasons. You may wish to obtain a copy of your credit file for more info.

How to apply

After your consultation a treatment plan will be drawn up and a document produced showing the full cost of your recommended treatment. If you wish to proceed, the application can be made at the centre with a member of our finance team or over the phone, then emailed to you for completion. In both cases, the application is made to our lender who will notify both you and the centre once the application is approved.  This usually takes a few minutes.  Once approved, you’ll receive the terms and conditions directly from our lender.

Finance is not available for amounts below £500 so your first consultation costing £150 will not be covered.

The finance provided is for your fertility treatment, whether successful or otherwise, the loan will need to be repaid.

Repaying your loan

If your application is successful, your deposit will be requested before you start treatment and your first monthly direct debit payment will be taken approximately 25 days after you’ve started treatment. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this just contact us and we’ll cancel your application and refund your deposit. We’ll also make you aware of any outstanding balance if applicable.

In respect of the Interest free finance scheme, Bath Fertility acts as a credit broker for the lender. Details of the lender and their regulation are available on application.

During your application process, if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further information explaining how the information held by fraud prevention agencies may be used can be obtained by contacting the lender on application.

For more info, please call our dedicated team on 01761 434464 or pop in for a visit at

Bath Fertility, Roman Way, Business Park, Peasedown St John, Bath BA2 8SG