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Frequently Asked Questions

Have questions? Hopefully, we can answer them. Dive into our FAQs below.

What is finance?

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Application Stage

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Operating Lease (Hire)

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Finance Loan (Lending)

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Broking

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Agreement Risks

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Agreement Benefits

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Rights

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Within my contract

What services do you offer?

How often should I come in for a cleaning?

Do you accept my dental insurance?

What if I have a dental emergency?

Table of contents

1. What is finance?

2. Application Stage

3. Finance Loan (Lending)

4. Credit Broking

5. Important things to know about my Agreement

6. Consumer Rights

7. Within my contract

What is finance?

What is interest?

What is APR?

What is Operating Lease?

What is a Fixed-Sum Loan?

Will applying for finance affect my credit score?

What is a credit check?

What finance products are offered?

What are the costs involved within purchasing on finance?

Can I complete the entire purchase of my finance agreement online?

Is financing the same as using a credit card?

Is financing safe and regulated?

Application Stage

What is a finance application?

How do I apply for finance?

Why does it need my information?

What happens with my data?

What is a credit reference agency?

Why is a credit check conducted?

What is a soft credit check?

What is a hard credit check?

How long does it take to get a decision?

What happens if I'm declined?

Is my application secure?

What documentation is part of a finance application?

Can I download and store my finance documentation?

Can I cancel my finance application after submitting it?

I can only apply in my name. Are joint finance applications allowed?

I have recently moved house. What address shall I put down?

Who are Sum Sub and what is ID Verification?

Finance Loan (Lending)

What is a Fixed-Sum Loan?

How are my repayments structured?

Is my agreement a Fixed-Sum Loan?

What is the difference between a Fixed-Sum Loan and a Hire agreement?

Will I pay interest on the loan?

Do I own my device / equipment with me as a Fixed-Sum Loan customer?

When will payments start on my Loan?

Is this a regulated agreement?

Is insurance included?

Can I settle my Loan early?

Am Iocked into the lending agreement once I sign?

Credit Broking

What is a credit broker?

Will this affect my credit score?

Do you receive a commission from the lender?

Do you recommend a specific lender?

Is credit broking regulated?

How do I know who the lender is?

What if I have a dental emergency?

Can I contact the lender directly?

Can I change my mind after being matched with a lender?

Who are the finance partners?

Why is my finance with a lender that is not blumepay?

I need to contact my lender. How do I do this?

Important things to know about my agreement

What are the risks of using finance?

What are my responsibilities within my Loan agreement?

What happens if I miss a payment?

Can I lose the asset if I don't keep up payments?

Will missing a payment affect my credit score?

What are my options when I go into arrears on my agreement

What is a 'Default'?

What if I have vulnerabilities / am a vulnerable customer?

What happens if I change my mind about a finance agreement? What are my options?

What if my financial situation changes?

I'd like someone to discuss my account on my behalf. What do I need to do?

I have moved house. What do I need to do?

I have a question about my finance contract. Who can I contact?

Can the agreement be changed after I sign it?

Is there a risk I won't get the product or service after signing?

What happens at the end of my Loan agreement?

Can I sell my device/equipment during my Loan agreement?

Can I overpay on my finance agreement and what happens if I do?

Does finance help build my credit score?

Is it easier than getting a traditional loan?

Consumer Rights

What rights do I have within my Loan agreement?

What does 'Title Ownership' mean?

Who owns the Asset in a Loan contract?

What is a 'Right of Withdrawal' and what happens if I execute this right?

What are my consumer rights within my Loan agreement?

What are my cancellation rights for my Loan agreement?

What if the goods are faulty or not delivered?

What can I do if I'm treated unfairly?

Within my contract

Can I change my Direct Debit date for my agreement?

Where can I find my contract?

Can the terms of my contract change?

How do I make my monthly payments?

Can I check how many payments I have left?

Can I move my agreement to someone else?

What if I need a copy of my agreement later?

Table of contents

1. What is finance?

2. Application Stage

3. Operating Lease (Hire)

4. Finance Loan (Lending)

5. Broking

6. Agreement Risks

7. Agreement Benefits

8. Rights

9. Within my contract