Chrysalis Finance

Chrysalis Finance, financing for private healthcare treatments in the United Kingdom

Chrysalis Finance Limited is a British entity dedicated to financing private medical treatments. It presents itself as the largest lender in the healthcare sector in the United Kingdom and is part of the Chrysalis Healthcare Group, together with Financing First Limited and Treatmentpay Limited. Its activity focuses on enabling patients to spread the cost of private care into monthly payments, instead of paying the full amount upfront.

Treatment areas financed

The company offers monthly payment options for different categories of private care:

• Audiology: hearing aids, hearing assessments and fitting services.
• Cosmetic surgery: cosmetic surgery procedures.
• Diagnostics: private scans, tests and medical investigations.
• Dental: from routine treatment to implants and orthodontics, including crowns, bridges and cosmetic dentistry.
• Optometry: eye surgery, cataract treatment, laser procedures and specialist consultations.
• IVF & Fertility: assisted reproduction treatments and fertility assessments.
• Medical: access to private medical treatments and surgery.

How the financing works

Applicants can request amounts from £250 up to £50,000, depending on the treatment and the options offered by the participating clinic. Approval is subject to the lender's assessment and affordability checks. No minimum credit score is required: each application is assessed individually, taking into account credit history, income and ability to pay. In many cases the decision is communicated within seconds of submission, although additional information may be required. Interest-free financing at 0% may be available through participating clinics, depending on the treatment and the conditions offered, and is always subject to approval.

Requirements and geographic scope

Chrysalis Finance only finances treatments carried out in the United Kingdom, at hospitals, clinics or practices registered with the entity. It does not cover treatments abroad, medical tourism, or travel, accommodation or aftercare costs linked to procedures outside the country. Applicants must have been permanently resident in the United Kingdom for at least the previous three years.

Network of clinics and professionals

The company works with more than 10,000 clinicians, according to its own presentation. Patients can search for a nearby clinic or hospital and select the type of treatment to find a participating provider. Partner clinics explain the financing options available before the patient makes a decision.

Corporate structure and regulation

Chrysalis Finance Limited is registered in England with company number 6541664 and has its registered office at 1 Worsley Court, High Street, Worsley, Manchester, M28 3NJ. It is authorised and regulated by the Financial Conduct Authority (FRN 631193) for lending and credit broking activities. The other two companies in the group, Financing First Limited (number 4114714, FRN 720098) and Treatmentpay Limited (number 12822532), share the same registered office and are also regulated by the FCA for credit broking.

Awards and commitment to patients

The entity has received recognition for customer experience and has been distinguished as a Disability Confident Leader. It also organises the Chrysalis Patient Care Awards, awards through which it recognises its clinical partners. The company describes its activity as ethical, responsible and patient-centred, and backs its loans with the so-called Chrysalis Patient Promise.

Location and contact

1 Worsley Court, High Street, Worsley, Manchester, M28 3NJ