Lendus.

Dental X-Ray Finance

Spread the cost of dental X-ray and imaging equipment from £4,000 to £90,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a dental x-ray?

Yes, dental x-rays are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £4,000 to £90,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£4k – £90k

Approval Speed

24–48 hours

CBCT approvals may take longer

Rates From

4.5% APR

What would a dental x-ray cost per month?

£25,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical dental x-ray price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Practices wanting to own imaging equipment outright

Finance Lease

Rate
From 4.5% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Practices upgrading imaging resolution regularly

Representative example

On a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Intraoral sensor system £4,000 – £9,000 Intraoral X-Ray
Carestream CS 8100 Panoramic £25,000 – £40,000 Panoramic/OPG
Planmeca ProMax 3D £55,000 – £90,000 CBCT/OPG Scanner
Combined panoramic/cephalometric unit £35,000 – £60,000 Panoramic + Ceph

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Tax benefits

Equipment used wholly for the business qualifies for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 AIA limit. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease rentals are treated as a revenue expense and are usually fully deductible against profits, which is why many practices prefer leasing for equipment that needs replacing on a fixed cycle.

Market context

Dental X-ray equipment is bought by practices moving from film to digital sensors, upgrading a panoramic unit, or adding cone-beam (CBCT) capability for implant and endodontic work. Because imaging equipment involves ionising radiation, buyers typically factor in the cost of the required radiation protection survey and quality assurance testing alongside the purchase, though the finance itself covers the hardware. CBCT units sit at the top of the price range and are often the last piece added to a practice's imaging suite. A refurbished and ex-demo market exists for panoramic and CBCT units through dental equipment specialists, which lowers the entry cost for practices adding 3D imaging for the first time.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance intraoral sensors and a panoramic unit together?
Yes, most lenders will finance a full imaging upgrade, sensors, panoramic and CBCT if needed, as one agreement. This is common when a practice is moving from film to fully digital imaging in one project rather than upgrading piecemeal. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Does dental X-ray equipment need to meet any regulatory standard?
Dental imaging equipment sold in the UK must carry UKCA or CE marking as a medical device, and installation requires a radiation protection adviser to complete the required safety survey. Your equipment supplier and installer handle this; finance covers the purchase of the hardware itself. This is separate from the finance process itself, which is a straightforward commercial assessment of the business's ability to repay; the compliance and registration side sits with the practice, the supplier and the relevant regulator or local authority.
Is refurbished CBCT equipment a sensible option?
It can be, and it's a well-established route for practices adding 3D imaging for the first time. Refurbished CBCT units from specialist dental imaging dealers typically cost significantly less than new, usually come with a warranty and recalibration, and most lenders are comfortable financing them provided the supplier is established. Lenders will usually ask for evidence of the refurbisher's certification and any warranty offered before approving, since this affects both the risk on the deal and the equipment's likely residual value over the finance term.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Larger CBCT purchases may see lenders ask for a higher deposit given the equipment value, though this varies by lender and trading history. Putting down more than the minimum deposit lowers the monthly repayment and can support a better headline rate, which is worth weighing against keeping cash in the business for working capital instead.
How fast can I get approved?
Most applications are approved within 24–48 hours. Larger CBCT purchases above roughly £50,000 sometimes take a little longer as the lender reviews the practice's accounts in more detail. Having a recent set of accounts, a supplier quote and the full equipment specification ready at the point of application tends to speed the decision up, since most of the time in any application goes on the lender confirming trading history and affordability.

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