Will I need a Consumer Credit Licence to offer Denplan Enhance?
Yes. You are required by law to have a Consumer Credit Licence to offer Denplan Enhance. If you do not already have a licence, you will need to apply for one. Use the application forms and guidance notes included in the Dentist Application Pack.

How much does a Consumer Credit Licence cost?

• Sole trader - £380 (includes consumer credit licensing fee of £230 and CCJ levy of £150).
• Partnership, company or other organisation - £725 (includes consumer credit licensing fee of £575 and CCJ levy of £150).

Who is the credit provider?
Denplan has joined up with Clydesdale Financial Services Ltd, who act as the credit provider on behalf of Denplan Enhance.

Does it have to be the patient receiving the treatment who takes out the loan?
No. The person who takes out the loan could be taking it to pay for someone else’s treatment.

Is there a charge for this interest-free credit facility?
There are no charges for your patients. Denplan Enhance is an interest-free loan, making it a very attractive proposition for them. There is an administration charge to dentists. This is a percentage of the loan value and is dependent upon the term of the loan. The percentage differs between Denplan patients and non-Denplan patients. Please refer to the current Denplan Enhance payment terms within the Dentist Application Pack.

What paperwork is involved in the credit application process?
There is just one simple form you need to complete for each loan application: the Customer Information Form. This collects details of the person taking out the loan for the application process including the credit check. The patient must sign this form to give consent to you passing on this information. Denplan will ask for this information when you call to complete the application. Once accepted, you will be faxed copies of the Loan Agreement for the patient to sign. One signed copy should be sent back to Denplan and, once processed, you should receive your money within a week.

What does the credit check stage involve?
When you telephone Denplan on 0800 169 5791 to apply for the loan, the credit check will automatically be carried out as part of the loan application process (on behalf of Clydesdale Financial Services Ltd). In the majority of cases a decision will be given there and then.

How do my patients repay their loans?
Clydesdale Financial Services Ltd will collect monthly repayment sums from the patient by Direct Debit for the term of the loan. Loan correspondence will be between Clydesdale Financial Services Ltd and the patient.

How does Denplan help with promoting Denplan Enhance?
You will be sent a full range of literature for use in your practice and a Denplan Consultant will provide training and support in offering Denplan Enhance to your patients.

How to find out more and apply...
Contact us and we will send you a Denplan Enhance Application Pack. Alternatively, view the Application Pack online.