Treatment finance for residents of Germany: Finance Health Group arranges instalment finance through Klarna and Scalapay so patients in Germany can spread the cost of medical and dental treatment at partner hospitals and clinics. The provider shows the exact cost, including any interest, before you agree. Finance Health Group is a credit broker, not a lender; credit is subject to status.
| Who can apply | Residents of Germany aged 18 or over |
|---|---|
| Finance providers | Klarna (up to €10,000) and Scalapay (up to €10,000) |
| Term | Up to 36 months; instalment schedules are set by the provider |
| Interest and fees | Depends on the provider and your application; some plans are interest-free, others charge interest. The provider shows the full cost before you agree. |
| Deposit Fee | A Deposit Fee, usually 10% of the approved amount, is deducted from the payout and applied towards your treatment package. See the Refund Policy. |
| Credit check | The finance provider carries out its own credit and identity checks and tells you before any search is recorded on your credit file. |
| Documents | Proof of identity and residence; the provider may ask for proof of income or a bank account in your name. |
| How to apply | Your partner hospital, clinic or agency emails you a secure application link; you apply online with the finance provider and usually receive an instant decision. |
| What it pays for | Medical and dental treatment at partner hospitals and clinics; the clinic, not Finance Health Group, provides the treatment. |
| Your agreement | Your credit agreement is with the provider under German and EU consumer credit law (including your 14-day right of withdrawal). |
Finance Health Group helps residents of Germany spread the cost of medical and dental treatment at partner hospitals and clinics. Finance Health Group Ltd is a credit broker, not a lender, authorised and regulated by the UK Financial Conduct Authority (FRN 915721). Finance is provided by Klarna and Scalapay.
| Finance providers and maximum amounts | Klarna up to €10,000; Scalapay up to €10,000 |
| Maximum term | Up to 36 months |
| Currency | EUR |
| Who can apply | Residents of Germany aged 18 or over, subject to status |
Limits, terms and the cost of credit depend on the finance provider and your application. The provider shows you the exact cost, including any interest, before you agree. Amounts shown are maximums and are illustrative only.
A Deposit Fee, usually 10% of the approved amount, is applied towards your treatment package and deducted from the treatment price. See our Terms and Conditions for details.
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Content reviewed by David McKenzie, Finance Health Group Ltd (FCA FRN 915721). Last reviewed: 18 October 2026.