Dental finance for treatment in Turkey: can you use Chrysalis, Tabeo, Medenta or Kandoo?

If you are planning dental treatment in Turkey and want to spread the cost, the first question is not which finance provider is cheapest. It is whether the provider will finance treatment in Turkey at all. Many UK dental payment plans and dental finance products are built for UK practices, and some rule out treatment abroad completely.

This guide covers the main ways UK patients pay for treatment in Turkey, what to check with Chrysalis, Tabeo, Medenta and Kandoo, and how Remedi's interest-free payment plans work at participating clinics in Turkey.

Can you get dental treatment in Turkey on finance?

Yes, subject to eligibility and the terms of each product. The main routes are:

• a payment plan linked to a participating clinic in Turkey, such as Remedi
• a free use personal loan, where the lender allows it to be used for treatment abroad, though APRs can approach 100% if your credit history is weak
• a credit card the clinic accepts, which can add currency costs and usually gives you only about a month before interest starts
• paying the clinic in parts, if your treatment requires multiple visits and the clinic allows it

What you cannot do is assume a UK dental finance product covers overseas treatment. Check the clinic's country and name with the provider before you book flights.

Can you use Chrysalis, Tabeo, Medenta or Kandoo in Turkey?

These four names come up often in UK dental finance searches. Chrysalis, Tabeo and Medenta work through UK practices, so check each one carefully before planning treatment abroad. Kandoo works differently: it is a credit broker, not a lender. You apply online, often through a link from a business such as a clinic, and see offers from a number of lenders. You then complete the loan with the lender you choose. Its guides cover loans for treatment in Turkey.

Sources: Chrysalis patient FAQs, Tabeo Finance, Medenta dental finance, Kandoo on Turkey dental finance, Kandoo on medical finance, how Kandoo works.

No published policy is not the same as a ban. For Tabeo and Medenta, the honest answer is "ask", not "no". If you are having treatment in a UK practice, Chrysalis, Tabeo and Medenta may all be worth comparing. With a broker such as Kandoo, the lender sets your rate, so judge the loan you are offered.

The main ways to pay for treatment in Turkey

If you search for dental finance, medical finance or healthcare finance in the UK, most results are products for UK practices. For Turkish dental treatment, these are the main routes:

Personal loans and medical loans

A personal loan, sometimes sold as a medical loan, gives you more freedom over which clinic you choose and how long you take to repay, as long as the lender permits the use. It can suit you if you need several years to repay.

Compare your personal APR, the total amount repayable and any early repayment charges. The advertised representative APR is not a guarantee of the rate you will get. Rates vary widely. In Uswitch's comparison, bad credit loans range up to 99.9% representative APR, and at that rate, £10,000 over three years means repaying about £24,450 in total (Finder). A longer term lowers the monthly payment but usually increases the total interest. MoneyHelper on personal loans.

Credit cards

A card with an interest-free period on purchases can work if your limit covers the payment and the clinic accepts the card. Without a 0% purchase offer, a card is not a repayment plan: you usually have about a month to clear the balance before interest starts. The hidden costs can also be high. The clinic may charge you in euros or lira, many UK cards add a 2.99% non-sterling fee, and the exchange rate can add more. Ask whether the clinic adds a surcharge for card payments, and check the rate charged once any promotional period ends.

Work out the monthly amount you need to clear the balance before that date. Paying only the minimum can leave you with an interest-bearing balance later.

Paying the clinic at each visit

Clinics rarely offer instalment plans of their own. When your treatment requires multiple visits to the clinic, your clinic may allow you to pay partially at each visit. This is not borrowing, so ask how much is due at each visit, who holds your payments and what happens if you cancel, your plan changes or the clinic cannot treat you.

How Remedi works for treatment in Turkey

Remedi offers interest-free payment plans to eligible UK patients for dental, hair and cosmetic treatment at participating clinics in Turkey. Whether you want to pay monthly for dental implants, put veneers on finance or spread the cost of Turkey dental crowns, the plan works the same way: you pay a deposit, usually 20% of the treatment invoice, and repay the rest in six equal monthly payments.

A few details matter when you compare it with the options above:

• Payments are in GBP. Your plan is arranged and repaid in GBP, so there is no exchange rate risk and no foreign transaction fee on your repayments.
• Your first monthly payment comes after treatment. It is taken by direct debit after your procedure. If you decide to cancel your treatment before it starts, your payment plan is cancelled automatically and any deposit you have paid to Remedi is refunded.
• The clinic is paid when you sign the invoice. Remedi pays the clinic once you have signed and confirmed your treatment invoice at the clinic, usually before your procedure.
• Participating clinics meet partner criteria. These include valid facility licences, active insurance, a transparent complaints process and a UK contact number or aftercare presence. This is not a clinical recommendation; your clinic remains responsible for your treatment.
• Treatment only. The plan covers the treatment invoice. Flights, hotels and transfers are paid separately.

Applications are subject to status, eligibility, affordability and verification checks. Read how it works step by step, or see Remedi's FAQs.

What would the payments look like?

For an illustrative £6,000 treatment invoice:

This is an example of the current plan structure, not a personal offer. Travel and anything outside the treatment invoice are extra. Work out the payments for your own quote.

The practical question is whether £800 a month fits your budget comfortably for six months. Interest-free credit still has to be repaid. If you need several years to repay, a longer-term product may suit you better.

This article is published by Remedi and describes its own product alongside other ways to pay.

Compare the full cost, not just the monthly payment

Before you apply for anything, put these side by side:

• Treatment price: Is the quote itemised per tooth, and what could change after your consultation?
• Deposit: How much, when, and who receives it?
• Cost of borrowing: APR, fees and the total you will repay.
• Timing: When do payments start and finish?
• Flexibility: What happens if you repay early, change clinic or cancel?
• Other costs: Flights, hotel, time off work, follow-up visits and aftercare at home.

Compare like with like. A lower price means little if the procedures, materials or aftercare are different. A lower monthly payment does not always mean a cheaper loan.

Will checking your eligibility affect your credit score?

An eligibility check and a full application are different stages.

Remedi's eligibility check uses a soft credit search, which does not affect your credit score. If you go on to apply for a plan, Remedi carries out a hard credit search with Experian, which is recorded on your credit file. Remedi's privacy policy explains this.

Ask any provider which search it uses at each stage before you apply. Missed payments can also affect your credit file. If payments become difficult, contact the lender early.

What protection do you have with each way of paying?

Different ways of paying give different protection. Under Section 75 of the Consumer Credit Act, the lender can share responsibility with the supplier for breach of contract or misrepresentation when you pay with certain credit, such as a credit card or a point-of-sale loan, and the cash price is more than £100 and not more than £30,000. Financial Ombudsman guidance.

Section 75 is about the contract, not a guarantee of a clinical result. A personal loan paid into your own account usually does not give the same protection, because the lender has no arrangement with the clinic.

Keep your treatment plan, invoices and messages with the clinic. If you raise a complaint, ask the lender how your payments will be handled while it looks into it.

Which option fits your situation?

Keep the treatment decision separate from the finance

Being approved for finance does not mean a treatment is right for you, or that a clinic's results are guaranteed. Speak to a dentist, check the clinic's credentials and get the treatment plan and aftercare arrangements in writing.

The FCDO advises discussing plans with your UK dentist or doctor before travelling for treatment, and doing your own research on the clinic. FCDO travel advice: Turkey health. Check that your travel insurance covers planned treatment and complications; standard cover often does not.

When you have a treatment plan and a full budget, you can check your eligibility in under two minutes. The check uses a soft credit search, which does not affect your credit score. It is not a full application or a guarantee of approval. You can also read more about Turkey teeth finance or dental payment plans.

Frequently asked questions

General information, not personal financial or medical advice. Provider information checked on 3 November 2026. Terms and availability may change.