Making Your UK Healthcare Treatment More Affordable

Want to make that life-changing treatment a reality? An interest free finance package could be the answer.

Our partnership with Deko Finance means we can offer:

  • A discreet and personal service

  • A fast-tracked application process 

  • High acceptance rate

  • Competitive repayment options, starting at 0% APR interest free 

  • A selection of repayment periods over 12, 24, 36 or 48 months


Deko Finance

How Much Are Treatments and Procedures at New Victoria Hospital?

We offer everything from surgery for slipped discs to hip replacements. Please take a look at our Self Pay package prices.

How Does it Work?

Here is an example. If your preferred treatment costs £3000, you would need to provide a 10% deposit yourself. In this case £300. However, Deko Finance could credit you the remaining £2700, to be paid off in 12 monthly payments of £225.

Representative Example:
Treatment Cost£3000£3000£3000£3000
Repayable by Monthly Payments of£225£123.94£86.46£67.80
Duration of Agreement12 months24 months36 months48 months
Interest Rate (APR representative)0% APR 9.9% APR9.9% APR9.9% APR
Interest Rate (fixed)0% 9.9%9.9%9.9%
Cost of Credit£0£275£413£554
Total Amount Repayable (excl. deposit)£2700£2975£3113£3254


For information on our complaint procedure, please see our dedicated page.



How Long Does a Finance Package Take to Arrange?

Our finance application process is extremely quick and straightforward. You will discover whether your application has been accepted, within seconds of completing it.

Applications must be made 14 days prior to a booked procedure.

Applicant requirements

  • 18 years and over

  • UK residents who can provide a history of UK addresses for the past 3 years

  • In regular employment – minimum of 16 hours per week or £5,000 per year

  • If retired either receiving a private /company pension or disability allowance

  • Have a bank account that can deal with Direct Debits

  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies

  • Have a valid email address


Our Medical Loan Calculator

Would you like to know the exact cost of your repayments? Just use this online calculator. Remember, the 10% deposit cannot be loaned to you.

Finance Calculator
Value of Goods
Percentage of Deposit
Amount of Deposit
Amount of Loan
Term of Agreement
Monthly Instalment
Loan Repayment
Total Amount Payable

*Applicants: Must be 18 yrs and over; Must be a UK resident and able to provide 3 years address history; In regular employment (minimum 16 hrs per week or £5,000 per annum, unless retired and receiving a private/company pension or in receipt of disability allowance); Have a UK bank account capable of accepting Direct Debits; Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies; Must have a valid email address. 

The New Victoria Hospital Limited is registered in England and Wales No 05963364. We are credit broker and only offer credit products from Deko (a trading name of Pay4Later Ltd). The New Victoria Hospital Limited is authorised and regulated by the Financial Conduct Authority FRN 725247. Credit subject to age and status.

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