An extensive dental treatment, such as a dental implant or a full mouth rehabilitation, is a long-term investment in your health. At Happy Clinic we believe the decision to get treated should be made on medical grounds, not postponed for financial reasons. That is why the clinic in Pipera-Aviatiei, Sector 1, Bucharest, has established financing partnerships with three financial institutions: BT Direct, TBI Bank and UniCredit Consumer Financing.
In practice, you can start your treatment now and pay for it gradually, in fixed monthly instalments, choosing the financing offer that suits you. Everything is done simply, directly at the clinic, based on your treatment plan.
The clinic's financing partners
HOW INSTALMENT PAYMENTS WORK AT HAPPY CLINIC
The process is designed to be as simple as possible for you. After the consultation and the necessary investigations, you receive the treatment plan with all costs itemised and set transparently from the start. On the treatment plan you will find the QR codes of the three financing partners: scan them with your phone and apply online for credit from the partner of your choice, right at the clinic or quietly at home.
Each bank assesses the application according to its own criteria, contacts you for the required documents and communicates its final offer. Once approved, treatment can begin according to the plan agreed with your dentist.
Good to know: at Happy Clinic, the prices set in the treatment plan do not change during a treatment carried out within a reasonable timeframe. The instalment you agree with the bank therefore stays tied to a cost that will not surprise you later.
FINANCING PARTNERS
TBI Bank
Interest from 1% per monthThrough TBI Bank you can access financing with interest from 1% per month, depending on the outcome of the financial assessment. You apply online by scanning the QR code on your treatment plan, and a bank representative contacts you for the next steps.
UniCredit Consumer Financing
Interest from 14% per year, no origination feeWith UniCredit Consumer Financing you benefit from interest from 14% per year, with no origination fee. Here too, you apply online via the dedicated QR code on your treatment plan, and the final offer is set after the institution's financial assessment.
BT Direct
Part of the Banca Transilvania groupBT Direct, part of the Banca Transilvania group, completes the clinic's list of financing partners. The application follows the same simple path: scan the QR code on your treatment plan and apply online, and the bank communicates the exact terms after assessing your application.
THE BENEFITS OF PAYING IN INSTALMENTS
Paying in instalments turns a large one-off cost into a predictable monthly effort. You start treatment when you need it, not when you have managed to save the full amount, and your health no longer has to wait. The instalments are fixed, so you know from the start how much you allocate each month.
You also have the freedom to compare: with three financing partners available, you can request offers from several institutions and choose the one with the terms that suit you. The Happy Clinic reception team explains the steps for each option and helps you with all the practical details, while the financial decision remains yours.
Financing is available for any treatment at the clinic, from dental implants and fixed teeth on implants to orthodontic or prosthetic treatments.
THE STEPS, IN SHORT
- 1
Book a consultation
The dentist assesses your situation and builds your treatment plan, with clear, transparent costs.
- 2
Choose your financing partner
Scan the QR code of your chosen bank, straight from the treatment plan, and fill in the application online. The clinic team can guide you through every step.
- 3
The bank assesses your application
A representative contacts you for any additional documents and communicates the final offer, with the interest rate and instalment set after the financial assessment.
- 4
Start your treatment
Once the financing is approved, you follow the plan agreed with your dentist, and payment runs in fixed monthly instalments to the bank.
FREQUENTLY ASKED QUESTIONS ABOUT FINANCING
Which treatments can be paid in instalments?
Any treatment at the clinic can be the subject of a financing application: dental implants, full mouth rehabilitations, prosthetic work, orthodontic treatments or combinations of these, according to the treatment plan agreed with your dentist.
What interest rate will I pay?
The final interest rate is set by each financial institution after assessing your application: from 1% per month at TBI Bank and from 14% per year, with no origination fee, at UniCredit Consumer Financing. The figures shown are indicative, and the actual offer is communicated to you directly by the bank.
How do I apply for financing?
Scan the QR code of your chosen bank on your treatment plan with your phone and fill in the application online. You can do this at the clinic, with help from the reception team, or at home. The bank then contacts you for the next steps.
Can I start treatment before the financing is approved?
The stages that do not depend on financing, such as the consultation and drawing up the treatment plan, can take place at any time. The financed treatment itself begins after the application is approved, so that you are certain of the costs and instalments before setting off.
Does the clinic decide whether I get the financing?
No. Happy Clinic provides the partnerships and guides you through the process, but the assessment of the application, the approval and the final terms belong exclusively to the chosen financial institution. The clinic charges no additional cost for facilitating these steps.
Book a consultation and find out your options
The first step is not the loan, but the assessment: come for a consultation at Happy Clinic, find out what treatment you need and receive the plan with all costs in black and white. Only then do you decide, without pressure, whether and how to spread the payment. Appointments can be made by phone or through the contact page.
The interest rates and financing terms mentioned on this page are indicative and may be changed by the partner financial institutions. The final credit offer, including the interest rate, term and monthly instalment, is set exclusively by the chosen bank following an individual financial assessment. Happy Clinic is not a credit institution and does not guarantee financing approval.