Finance
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Apply for Credit 0% APR
Finance Application
If your preferred amount to finance is not listed, please contact the clinic for a custom finance application.
If your preferred amount to finance is not listed, please contact the clinic for a custom finance application.
Finance is subject to credit approval. PayItMonthly, an independent finance provider separate from Androfill, will assess your application and decide whether to offer you credit. You can contact PayItMonthly on 0333 212 3914.
Please apply for and secure your finance before your procedure date.
Finance amount
If your final cost is lower than the amount you were approved for, the agreement can be reduced to match — for example, approved for £2,000 but spending £1,750, the agreement is simply lowered to £1,750.
Increasing an approved amount is not always possible. If your procedure costs more than your approved credit, the difference can be paid by card or cash.
About PayItMonthly
Spread the cost with interest-free payments
PayItMonthly gives eligible customers the flexibility to spread the cost of larger purchases over manageable monthly payments.
Choose a repayment plan that works for your budget, complete an application, and receive a rapid decision as part of their affordability and creditworthiness assessment process.
Why choose PayItMonthly?
Fair and flexible financing designed with you in mind.
Spread the cost of your purchase over up to 12 monthly instalments with no interest and no fees to pay.
Repayment schedules that work for your budget. Know exactly when and how much you’ll pay.
Complete your application online in just a few minutes. The majority of decisions are provided instantly.
A friendly UK-based team is here to help before, during and after your agreement.
How payments work
If your chosen retailer offers PayItMonthly, they’ll guide you through the application process. At Androfill, ask the clinic or use the application buttons above.
Use a tablet, QR code or secure link provided by the retailer to complete your application.
PayItMonthly carry out affordability and credit checks and let you know the outcome as quickly as possible. Most customers receive an instant decision.
If your application is approved and you sign your agreement, your first payment will usually be taken on the day of purchase. Depending on the retailer, you may also pay a deposit. Your remaining monthly payments will then be collected by Direct Debit.
Spread the cost responsibly
PayItMonthly believe customers should be able to make informed financial decisions with confidence. That’s why all applications are subject to affordability and creditworthiness assessments designed to ensure repayments remain manageable and suitable for your circumstances.
New · Pre-Check
Check your eligibility before you apply
Pre-Check gives you an early indication of whether you are likely to be approved for PayItMonthly finance — and roughly what monthly payment would be affordable — before you complete a full application. It uses a soft credit check, so it will not affect your credit score.
Ask the clinic and we will send a link by email or text. You enter your name, date of birth and address — nothing more.
A soft search that is invisible to other lenders and leaves no mark on your credit file. Most results come back in under 15 seconds.
If you are likely to be approved, you can start the full application with one click, with an indication of an affordable monthly amount.
Your Pre-Check result stays valid for a week, so you have time to consider before completing the full application.
Want to Pre-Check your eligibility?
Send us a WhatsApp or text message with the subject Pre-Check, including your email address or mobile number. We’ll then send you a secure link to complete your Pre-Check — it takes about two minutes and won’t affect your credit score.
Why we offer it
The most awkward part of finance is completing a full application only to find out you are not eligible. Pre-Check avoids that: you find out early, without a hard search, and only proceed to a full application when it makes sense.
- No impact on your credit score
- Results typically in under 15 seconds
- An indication of monthly affordability before you commit
- Straight into a full application from a successful result
The full application also now includes an earlier credit decision: after a few basic details, an initial assessment is made before the remaining questions, so applicants unlikely to be approved are not asked to complete the whole form unnecessarily.
Frequently asked questions
Can’t find the answer you’re looking for? Visit the PayItMonthly Support Centre.
Who can apply?
To apply, you must:
- Be aged 18 or over.
- Be a UK resident (excluding the Channel Islands).
- Have a valid UK mobile number and email address.
- Meet our eligibility, affordability and credit assessment criteria.
Will applying affect my credit score?
Checking your eligibility won’t affect your credit score because we initially carry out a soft credit check only. If you’re approved and choose to proceed with your finance agreement, a hard credit search will be recorded on your credit file. If your application is declined, only the soft credit check will remain on your credit file.
How long does the application take?
Most applications take just a few minutes to complete, and the majority of customers receive an instant decision.
How do I make my repayments?
Your first payment is usually taken on the day of purchase. Your remaining repayments are then collected automatically by Direct Debit on a monthly basis, on a payment date you choose. If you prefer, we can also collect your repayments every four weeks. If you’d like to discuss an alternative repayment method, please contact us.
Can I pay off my agreement early?
Yes. You can settle your agreement in full at any time without paying any early repayment charges.
Can I change my payment date?
You can move your monthly repayment date by up to 7 days and, providing you still make your full monthly repayment, it will not be reported as a late payment to credit reference agencies. This change must be agreed with us by calling 0333 212 3914.
If you choose to move your repayment date by more than 7 days, you risk your payments being reported as late, even if you make the correct payment under your revised payment date. Please note that agreeing an alternative repayment arrangement (date or amount) does not change the terms of your Credit Agreement or create a new agreement.
Can I withdraw from my finance agreement?
Yes. You have the right to withdraw from your finance agreement within 14 days of entering into it.
Withdrawing from your finance agreement does not automatically cancel your purchase, and you may still be liable to cover the costs of the goods. What happens next depends on whether the retailer accepts the return of the goods or services.
If the retailer accepts the return
If you’re entitled to return the goods or cancel the service, and the retailer accepts the return, any refund will normally be used to settle your finance agreement. If you’ve already made repayments, any refund due will be paid to you by PayItMonthly, not the retailer.
If the retailer does not accept the return, or the goods or services cannot be returned
You can still withdraw from your finance agreement, but you’ll remain responsible for paying for the goods or services. In most cases, the outstanding balance must be repaid to PayItMonthly within 30 days of your withdrawal. This is because PayItMonthly will already have paid the retailer for your goods or services.
Need help?
If you’re thinking about withdrawing from your finance agreement, or you’re unsure how this affects your purchase, please contact PayItMonthly and they will explain your options.
What happens if I miss a payment?
If you’re worried about making a payment, please contact PayItMonthly as soon as possible. They will always try to work with you to find a suitable solution.
Late or missed payments may affect your ability to obtain credit in the future. Missed payments may be reported to credit reference agencies (CRAs). Repeated missed payments could result in a default being recorded on your credit file, which may remain there for up to six years. If you continue to miss repayments, PayItMonthly may also take steps to recover the outstanding debt in accordance with the terms of your Credit Agreement.
How do I manage my agreement?
You can view your agreement, check your remaining repayments and manage your account through your online customer portal.
Who do I contact if I need help?
PayItMonthly’s UK-based customer support team is here to help. If you have any questions about your agreement or repayments, please visit the Support Centre or contact them directly.
PayItMonthly is a form of credit that allows you to spread the cost of your purchase over monthly instalments. You must be 18 or over, a UK resident (excluding the Channel Islands), and meet our eligibility criteria. All credit is subject to status and affordability checks. Late or missed payments could impact your ability to access credit in the future. PayItMonthly is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permissions Regime for Regulated Deferred Payment Credit. Details of the Temporary Permissions Regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website. Terms and conditions apply. For full details, visit payitmonthly.uk/terms.
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Written and medically reviewed by Dr Gary Horn — consultant plastic and reconstructive surgeon, GMC 4267803. Reviewed by Dr Greta Peciulyte, Urologist, GMC 7539240. Last reviewed 28 August 2026. General information only, not a substitute for a consultation. Individual results vary.