Do I have to have a Consumer Credit Licence to offer 3dee loans?

By law you must have a Consumer Credit Licence to offer the 3dee loan facility, however we will complete most of the paperwork on your behalf.

How much does a Consumer Credit Licence currently cost?

The fee for a Consumer Credit Licence is currently £110 for a sole trader and £275 for a partnership or limited company, but will last for 5 years before you are required to renew it.

Why do you charge a registration fee?

We at 3dee pride ourselves as being unique in our services and in our commitment to you. We visit your practice to take you and your team through a comprehensive training and coaching session, providing a detailed overview of how 3dee works for you and your patient. This includes a session on verbal skills and looking at how to present financial options to patients in order to increase case acceptance.

Our registration fee also includes us completing the necessary paperwork to apply for your Consumer Credit Licence, thereby removing the burden of paperwork from yourselves, and will also cover the cost of all point of sale marketing materials to promote 3dee to your patients.

In addition to the above, we also provide you with on-going help and support through a business manager appointed to work with your practice, as well as telephone support from our office based team.

Why are your subsidy rates higher than some other companies?

Our subsidy costs enable us to provide the best, both in our service at 3dee as well as in the service levels of our lender, Clode Retail Finance Limited, the market leaders in funding dental treatments.

Having a streamlined lending process with over 15 years experience in dedicated lending to healthcare professionals ensures that our acceptance rate is consistently high, as opposed to some other lenders, providing a stable platform for you to build your business on.

As with many things in life, you do pay for what you receive and, although we wouldn't profess to be the cheapest, we do aim to provide the best in terms of service, on-going support and reliability. Judge for yourself - we are sure these are the same goals that are reflected in the healthcare you offer your patients.

In real terms a 1% difference in subsidy charge between companies only equates to £10.00 per £1,000 borrowed!

It is also worth noting that although we harge a higher subsidy initially when practices are first set up to utilize and learn about 3dee, for those practices making significant use of the loan facility there are loyalty bonuses available, which makes their true subsidy rate somewhat lower.

How do my patients repay their loans?

Clode Retail Finance Limited, 3dee's credit provider, will collect the monthly repayments from your patients by Direct Debit for the term of the loan.

Is the procedure for applying for a 3dee loan in practice complicated?

The procedure is very easy. A simple application form is completed in the practice with the patient and the details are then telephoned through to our lender, Clode Retail Finance Limited. Usually an answer will be provided within around 3 minutes! Treatment could then begin immediately.

When do I receive my money?

Payment is made by ay of a BACS transfer directly to the practice bank account within 5 working days of our lender receiving the signed paperwork. Any relevant subsidy charge will be deducted prior to payment being made.