Treatment now, payment in parts
Implants, prosthetics and braces can be spread over months — from 0% and up to 120 months. We work with four partner lenders, and you choose whose terms suit you better. You submit the application yourself: the lenders let you in only with your personal ID code, and a decision arrives in about five minutes.
Calculator: who works out cheaper
Enter the cost of treatment and the term — we'll show the monthly payment, the cost of credit and the final total for each partner. The cheapest option rises to the top.
A down payment is optional — every partner starts from 0 €. But it reduces what you pay on top.
The calculation is indicative: it shows how the partners' rates work. The exact terms are confirmed by the lender when you apply.
The APR is the annual percentage rate of charge: it counts both interest and service fees, which makes it the fairest way to compare offers. Liisi 3 and Liisi 6 run only over their own fixed term — nothing to pay on top, but a higher monthly payment. The full terms of each partner are further down this page.
What people most often pay for in instalments
Tap a treatment and we'll put its price into the calculator.
The “from” prices are starting points: implant treatment is priced for a dentist beginning their implantology practice, and costs more with an experienced surgeon. We'll name the exact sum after an examination and a scan — it is then fixed in your treatment plan. All prices are in the price list.
How the instalment plan is arranged
It all happens at the clinic in a single visit — no trip to the bank.
The dentist examines you, takes a scan and draws up a treatment plan with a fixed estimate. You know the exact sum before the work starts.
The receptionist works out the payment with the clinic's calculator across all four partners and shows where the cost of credit is lower over your term.
You submit the application yourself — on the partner's website, signing in with your personal ID code via an ID card, Mobiil-ID or Smart-ID. The receptionist will tell you what to fill in. A decision comes in about five minutes and the contract is signed online.
We start at the same visit or the next one. The lender pays the clinic, you pay the lender monthly — the first payment falls due in a month.
Partner terms
We charge no arrangement fee and add nothing to the cost of treatment: the amount financed is exactly the amount in your plan.
- Liisi 3 — three equal payments, 0%, first one a month later
- Liisi 6 — six equal payments, 0%, first one a month later
- Järelmaks — fixed 8.9% a year, up to 120 months
Instalments are provided and administered by Holm Bank AS. An instalment plan is a financial commitment. Read the terms before signing.
1,500 € over 24 months — 62.50 € for the first 12 months, 76.13 € for the next 12, total 1,663.50 €, APR ~10.10%.
Instalments are provided by AS LHV Finance. Read the terms at the clinic or at lhv.ee/jarelmaks and speak to our specialist. The monthly payment is 62.50 € for the first 12 months and 76.13 € for the following 12 months. The annual percentage rate of charge is 10.10% on the following illustrative terms: price of the goods/service 1500 €, down payment 0%, credit amount 1500 €, interest 0% for the first 12 months and then 10.9% a year on the credit amount (fixed), contract fee 0 €, monthly service fee 0 €, term 24 months, repaid in monthly instalments, total amount payable 1663.50 € and total repayable 1663.50 €.
1,490 € over 24 months — 75.11 € a month, 19.00% a year, total 1,802.64 €, APR 20.76%.
Credit is granted by MediCredit OÜ. Credit is a financial commitment. Assess your means and read the terms before signing.
1,500 € over 24 months — 80.80 € a month, total 1,939.20 €, APR 29.31%.
Instalments are provided and administered by ESTO AS. An instalment plan is a financial commitment. Read the terms before signing.
What you need to apply
- You are 18 or over and have a regular income
- An ID card, Mobiil-ID or Smart-ID to sign the contract
- An Estonian personal ID code and a bank account in Estonia
- No active payment default records
The patient applies in person: the partner's system can only be entered with your personal ID code, so the clinic cannot do it for you. There are no certificates or statements to collect.
Worth knowing
- You can settle the balance early at any time — no interest is charged for the remaining term
- The amount financed equals the amount in the treatment plan: the clinic adds no mark-up
- The Tervisekassa benefit is deducted before the instalment plan is drawn up
- An instalment plan can be combined with the Soul Care membership — membership prices apply to work paid for in instalments too
An instalment plan is a financial commitment. Consider what you can afford and read your partner's terms carefully.