0% Finance

We’ve teamed up with BuyLine Finance to offer our patients interest-free credit on treatments, starting from as little as £350.


Patient finance enables you to take advantage of all dental procedures, from teeth whitening to dental implants, and spread the cost with monthly repayments over 12 months. And with 0% finance there are no hidden costs – you pay for your treatment, and nothing more.

Applying for finance is easy – simply contact us at Rhiwbina Dental and we will help you complete the application form at the surgery – or you can do it online at home. Once the short online credit check is complete, you’ll be able to begin your treatment straight away.

Repayments are made by monthly direct debit to BuyLine Finance. There is a 14-day cooling off period too, so you’ll have plenty of time to change your mind if you need to.

At Rhiwbina Dental we want to make your dental treatment as stress-free as possible.



If you are over the age of 18, you will be eligible to apply. All applicants will be subject to a quick and simple online credit check to assess suitability.


The choice is yours, but typically patients use it for cosmetic, restorative, orthodontic and implant treatments.


Our plans cover treatments ranging from £250 to £25,000. You also have the option to apply for finance for as many courses of treatment as you need, subject to an online credit check.


With our interest-free credit, there are no hidden costs – you will only pay for the cost of your treatment. We also offer interest-bearing options, however, and in these cases any interest you are required to pay will be made clear to you before you take out the agreement.


You will decide your repayment terms and period with a member of the practice team. Together you will decide what works for you.


Your payments will be collected monthly by direct debit. The payments will start one month after you have signed the loan agreement.


The application process is quick and simple and if you are successful, you will receive a prompt response upon completion of the online application. Our treatment can start as agreed with the practice.


Yes – prior to starting your treatment there is a 14-day cooling-off period, after signing the finance agreement.



Reviewed February 2023.

Complaints Contact Details

Name: Nia Evans- Practice Manager
Telephone: 02920626551
E-mail: ne@rhiwbinadental.com

Our Procedures
Any complaint verbal or written will be referred to our complaint’s manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also

  • Acknowledge the complaint in writing promptly
  • Record details on the firm’s system
  • Make contact to seek clarification on any points where necessary
  • Fully investigate the complaint
  • Keep you informed of our progress
  • Discuss with you our findings and proposed response
  • Ensure that our firm partners have a compliant complaints procedure and are communicating with their customer using this
  • Provide clear deadlines to respond

You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.

Rhiwbina Dental Surgery Limited
Customers may express dissatisfaction to us about our products and services. We will need to establish whether or not the complaint relates to the information given, the firm or the service and installation. If unclear, this must not delay investigation and we will proceed with our own investigation. The complaints manager will review this matter and take the complaint to the firm for them to investigate and provide a written explanation and any supporting information. This may include photos, checklists or remedial satisfaction notes.

The complaints manager will establish the nature and scope of the complaint having due regards to the Financial Conduct Authority’s direction:

  • Deal with complaints promptly and fairly
  • Give complainants clear replies and, where appropriate, fair redress
  • We may take up to 8-weeks to provide a response

Eligible Complainants
It is the firm’s policy to treat all complainants the same, however, eligible complainants, customers that have purchased goods and services using a lenders finance, are legally defined and have additional rights in law that we must acknowledge and adhere to.

The Financial Conduct Authority complaints rules apply to complaints:

  • Made by, or on behalf of an eligible complainant.
  • Relating to regulated activity.
  • Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience.

Final response
This will set out clearly our decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.

The firm must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:

  • Explain that the complainant must refer the matter to the ombudsman within six months of the date of the final response letter or the right to use this service is lost
  • Indicate whether or not we consent to waive the relevant time limits.

Complaints Settled within 3 business days
Complaints that can be settled to the customer’s satisfaction within 3 business days can be recorded and communicated differently.

Where we consider a complaint to be resolved to the customer’s satisfaction under this section, the firm will promptly send a ‘Summary Resolution Communication’, being a written communication from them which:

  1. refers to the fact that the customer has made a complaint and informs them that they now consider the complaint to have been resolved to the customers satisfaction.
  2. The firm will tell the customer that if they subsequently decide that they are dissatisfied with the resolution of the complaint they may be able to refer the complaint back to the firm for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
  3. Provide the website address of the Financial Ombudsman Service; and
  4. Refer to the availability of further information on the website of the Financial Ombudsman Service.

In addition to sending you a Summary Resolution Communication, the firm may also use other methods to communicate the information where:

  1. We consider that doing so may better meet the customer’s needs; or
  2. They have already been using another method to communicate about the complaint. This may include recorded calls, emails or text messages.

Closing a complaint
We will consider a complaint closed when we have made our final response to the customer. This does not prevent a customer from exercising any rights they may have to refer the matter to the Financial Ombudsman Service.

Financial Ombudsman Service
We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.

How Long You Have to Complain to the Financial Ombudsman Service
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date the final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)

Email: complaint.info@financial-ombudsman.org.uk
Website: https://www.financial-ombudsman.org.uk

RHIWBINA DENTAL SURGERY LIMITED T/A Rhiwbina Dental is authorised and regulated by the Financial Conduct Authority FRN 778861. We act as a credit broker not a lender and offer finance from one lender.

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