All-on-4 finance UK 2026: payment plans for full arch implants and the abroad alternative

All-on-4 is the most significant financial decision most dental patients will make. A full set of fixed implant-supported teeth — both upper and lower — costs GBP 20,000–44,000 in the UK private sector in 2026. For patients who cannot pay that sum outright, finance spreads the cost but adds a monthly obligation that runs for years. This page explains the finance options available in the UK, what the payments look like, and how the total compares with travelling to Picasso Dental Clinic in Vietnam, where the same Nobel Biocare and Osstem systems are used at a dramatically different price.

How All-on-4 finance works in the UK

Private dental clinics offering All-on-4 typically arrange credit through FCA-regulated providers such as Tabeo and Chrysalis Finance. The process follows the same structure as other dental finance: credit application, agreement with stated APR, 0% promotional period, then standard rate thereafter.

Specific considerations for All-on-4 finance:

• High treatment totals: single-arch cases often exceed GBP 12,000–22,000. Not all finance providers extend to these amounts in a single agreement. Some patients split treatment across two agreements (one per arch) or phase treatment across two years.
• 0% promotional period: 12 months is most common; some practices offer 24 months for higher values
• Standard APR after 0% period: 14–19%
• Credit limit: providers typically lend up to GBP 25,000. A two-arch case at GBP 30,000+ may require two separate applications
• Deposit: some lenders require 10–25% upfront, meaning GBP 1,500–5,000 in cash before treatment begins

Missing the 0% window on an All-on-4 finance plan is costly. If GBP 5,000 is outstanding when 14–19% APR kicks in, the interest adds hundreds of pounds to the final cost. Read the agreement carefully.

Personal dental finance is regulated by the FCA. Always confirm the APR after the promotional 0% period ends before signing any agreement.

Monthly payment table — All-on-4 UK finance

The table below covers single and dual arch scenarios across a range of UK private prices. Payments assume 0% interest throughout.

For dual-arch cases at higher UK prices, monthly payments on a 24-month plan rival or exceed typical mortgage payments. Most patients in this situation either delay treatment, accept a lower-cost option, or investigate alternatives including dental tourism.

NHS dentures — the only free alternative and its limitations

The NHS does provide a complete alternative to full-arch implants: conventional removable dentures under Band 3 treatment (GBP 319.10 in England, 2026). This is the only publicly funded option for patients who have lost all or most teeth in an arch.

Conventional dentures rest on the gum and do not integrate with bone. Over time, without implant stimulation, the jawbone resorbs and changes shape — requiring denture relining or replacement. Dentures can move during eating and speaking, are removed for cleaning, and do not prevent ongoing bone loss.

All-on-4 implants stabilise the jaw, preserve bone, and function like natural teeth. The clinical outcomes are different. For patients who are medically suitable and can access treatment, the implant option is worth serious consideration against the long-term cost of denture maintenance and relining.

Picasso Vietnam — full-arch savings vs UK finance

The table compares the total UK financed cost (24-month 0% plan) with the estimated all-in cost of two trips to Picasso Dental Clinic. Vietnam all-in figures include Picasso treatment costs, two return flights from London at approximately GBP 450–600 each trip, and accommodation for both trips (approximately GBP 700–1,000 total over two visits).

For two Nobel Biocare arches, the Vietnam all-in estimate is approximately GBP 14,554–15,354. The UK finance total for a comparable two-arch case starts at GBP 28,000 on a 0% plan — and reaches GBP 36,000+ at premium clinics. The Vietnam option costs roughly half the UK finance total and produces no monthly obligation.

Picasso’s GBP pricing: All-on-4 Osstem GBP 3,623 per arch; All-on-4 Nobel Biocare GBP 6,377 per arch. Written quotes with full treatment itemisation are available at /free-quote/.

One-trip vs two-trip logistics

All-on-4 at Picasso requires two visits. The first trip (approximately 10–14 days) covers initial assessment, extraction of any remaining teeth, implant placement, and fitting of a provisional bridge. Patients return home with a functioning set of provisional teeth.

The second trip (approximately 7–10 days, usually four to six months after the first) covers fitting of the final fixed bridge and any finishing adjustments.

Some patients plan the second trip around a holiday in Vietnam. Others time it for a quieter work period. The /uk-guide/how-it-works/ page covers both trip structures and what to expect at each stage.

Who should use UK All-on-4 finance

Finance is reasonable when:

• You are medically complex and require ongoing UK specialist oversight throughout treatment
• You have been advised by a UK specialist not to fly for extended periods
• You strongly prefer the proximity and legal recourse of a UK treatment relationship
• You can comfortably absorb GBP 500–1,500 per month for 24 months without financial strain
• You need treatment urgently and cannot wait to plan an international trip

Finance becomes very expensive when the UK clinic price is above GBP 18,000 per arch, when the 0% window may not be met, or when two arches push the total finance commitment above GBP 30,000.

Who should consider going abroad

Vietnam is worth serious investigation when:

• You need both arches and face a combined UK cost above GBP 20,000
• You are in reasonable health with no contraindications to long-haul travel
• You can plan two trips over six to twelve months
• You want to pay the total upfront and eliminate monthly financial obligations
• You are willing to do thorough due diligence — reviewing CBCT results, implant brand specs, and aftercare protocols in writing before committing

Picasso Dental Clinic has treated many UK patients for All-on-4 and All-on-6. Full written treatment plans, implant brand documentation, and GBP pricing are provided before any booking is made.

For full treatment details and Picasso pricing, visit /all-on-4/ or request a free written quote.