Dental treatment in instalments in Warsaw (Ursynów)
You can spread the cost of dental treatment at LumiDent: from 500 to 50,000 zł over 12–24 MediRaty instalments, or pay later with MediPay. At your consultation you get a treatment plan with its cost, and the calculator shows the monthly payment.
4.7Google reviews: 145
Two ways: instalments or pay later
MediRaty
For a larger treatment plan. You repay in equal monthly instalments.
- Amount
- 500 to 50 000 zł
- Term
- 12 to 24 instalments
- Interest rate
- fixed
- Application
- by phone or online
MediPay
For smaller amounts: pay by bank transfer later or in a few instalments. For Polish citizens aged 18 and over.
- Amount
- 50 to 9 600 zł
- Term
- transfer within 30 days or 3, 4, 8, 12 instalments
- Application
- at the clinic, confirmed by text message
Instalment calculator
Enter the cost of treatment and choose the number of instalments. The result is a MediRaty simulation, not an offer: the final terms are set by a MediRaty consultant after a creditworthiness check. The calculator is in Polish: „Kwota” is the amount, „Ilość płatności miesięcznych” the number of monthly payments.
Apply with MediRatyWhat treatment you can pay for in instalments
You can spread the cost of treatment from the plan you receive at your consultation: implants, veneers, prosthetics, orthodontics, root canal treatment and more. Prices for each treatment are below and in the price list.
Dental consultation
Examination, diagnostics and a treatment plan with a cost estimate.
from 150 PLNDental implants
Replacing missing teeth with implants, including All-on-X.
from 2 600 PLNProsthodontics
Crowns, implant crowns, dentures, posts.
from 1 400 PLNVeneers and bonding
Porcelain veneers, bonding, DSD smile design.
from 870 PLNRoot canal treatment
Primary endodontic treatment and retreatment.
from 280 PLNRestorative dentistry
Tooth decay treatment, fillings and bonding.
from 320 PLNTeeth cleaning and whitening
Scaling, air polishing, fluoride treatment and whitening.
from 350 PLNSurgical periodontics
Gum recession coverage, gum grafts, crown lengthening.
from 2 600 PLNOrthodontics
Fixed braces, self-ligating braces and aligners.
from 900 PLNOral surgery
Extractions, wisdom teeth, cysts, apicoectomies.
from 200 PLNPaediatric dentistry
Introductory visits, prevention and treatment of baby teeth.
from 150 PLNEmergency dental care
Emergency visit, abscess, dental trauma.
from 280 PLNWho can use it
MediRaty
- People who pass MediRaty's creditworthiness check, including a check of their credit history in BIK.
- Usually you need a Polish ID card (dowód osobisty) and your bank account history for the last 3 months. The exact list depends on your type of employment.
- No documented income, or under 18: another borrower with a steady income can apply on your behalf.
- Working abroad: you need a guarantor with a steady income who lives in Poland.
- Foreigners: can use MediRaty if they hold a valid residence permit (karta pobytu).
MediPay
- Polish citizens aged 18 and over.
- Treatment costing from 50 to 9 600 zł.
- You request it at the clinic and confirm by text message.
How to use MediRaty
Treatment plan and cost
At your consultation at LumiDent you receive a treatment plan with its cost. This is the amount you can spread over instalments.
Apply to MediRaty
Call 22 266 83 70 or fill in the application at mediraty.pl. Have your Polish ID card or residence card (karta pobytu) and phone ready.
Payment and term
A MediRaty consultant reviews your application and agrees the monthly payment and term with you.
Contract and treatment
You sign the contract online or via courier, and treatment goes ahead as planned.
Patient reviews on Google
„Mam do Pana doktora pełne zaufanie, ponieważ zawsze wyjaśnia mi cały plan leczenia i odpowiada na moje pytania. […] A obsługa w recepcji jest bardzo miła i zawsze znajdzie jakiś wolny termin.”„Pani doktor podchodzi do pacjenta z wyjątkową uwagą, spokojem i empatią, wszystko dokładnie tłumaczy i odpowiada na każde pytanie bez pośpiechu.”„The medical staff were polite and attentive, ensured my well-being during the procedure, and allowed me time to recover when I felt unwell.”Patient reviews of the clinic are published on LumiDent's Google Business Profile. The clinic does not verify their content. Below are excerpts from selected reviews. Excerpts are quoted in their original language.
Questions about instalments
Can I pay the dentist in instalments?
Yes. At LumiDent you can spread treatment costing 500 to 50 000 zł over 12–24 MediRaty instalments, or pay later with MediPay for treatment from 50 to 9 600 zł.
Can I get dental implants in instalments?
Yes. Implants, crowns, veneers or orthodontic treatment can be financed with MediRaty. The amount comes from the treatment plan you receive at your consultation; treatment prices are in the price list.
How do dental instalments work?
First, at your consultation you receive a treatment plan with its cost. Then you apply to MediRaty by phone or online; a consultant checks your creditworthiness and agrees the monthly payment with you. Once the contract is signed, treatment goes ahead as planned.
What is the difference between MediRaty and MediPay?
MediRaty is instalments for larger amounts: 500 to 50 000 zł over 12 to 24 instalments, and you apply by phone or online. MediPay lets you pay later for treatment from 50 to 9 600 zł: by bank transfer within 30 days or in 3, 4, 8, 12 instalments. Just tell us at the clinic. Both services are provided by LM PAY S.A.
Can foreigners pay in instalments?
MediPay is only available to Polish citizens aged 18 and over. Foreigners can use MediRaty if they hold a valid residence permit (karta pobytu). Usually you also need an ID document and 3 months of bank account history, and if you work abroad, a guarantor living in Poland. Ask a MediRaty consultant on 22 266 83 70.
How much do instalments cost?
The cost depends on the amount, the term and the assessment of your application. The MediRaty calculator shows an approximate payment, and a MediRaty consultant gives you the final terms, including the APR (RRSO), before you sign.
Who decides whether I get instalments?
The service operator, LM PAY S.A., after a creditworthiness check. The clinic does not make this decision.
Can I repay early?
Yes. Under the Polish Consumer Credit Act you can repay the loan early, in full or in part. The details are in your contract.
Book a consultation and find out the cost
At your consultation the dentist examines your teeth, prepares a treatment plan with its cost and helps you decide whether MediRaty instalments or MediPay pay-later suits you better.