Marco Scarci - Expert Thoracic Surgeon in London
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Finance Options · Self-Pay · Payment Plans

Don't let the cost stop you
getting the surgery you need.

Private thoracic surgery is a significant investment — but it doesn't have to be paid all at once. Spread the cost over monthly payments with 0% interest finance, and access expert care without the financial pressure of a single large payment.

Apply for Finance → ic baseline phoneAsk Us About Finance
✓ 0% interest available
✓ Apply online in minutes
✓ Fast approval decisions
✓ No hidden costs
Which option is right for you?

Three ways to pay for private thoracic surgery

Most patients fall into one of these three groups. Understanding which applies to you is the first step to knowing exactly what you'll pay — and when.

0% Finance

Spread the cost monthly

Right for: self-pay patients who prefer not to pay everything upfront

  • 0% interest for eligible patients over shorter terms
  • Fixed monthly payments — no surprises
  • Apply online through Ideal4Finance — fast decision
  • Surgery proceeds as planned once approved
  • Cover consultation, surgery, and all associated costs
Apply for Finance →
Private Insurance

Use your health insurance

Right for: patients with Bupa, AXA, Vitality, Aviva, Cigna, WPA or other major UK insurers

  • All major UK insurers accepted
  • Practice team handles pre-authorisation for you
  • You pay only your policy excess
  • Direct billing to your insurer — no reimbursement forms
  • Coverage verified before your first appointment
Check My Insurance →
Self-Pay Lump Sum

Pay in full upfront

Right for: patients who prefer to pay the total cost and avoid any finance arrangement

  • Full written estimate provided before commitment
  • All-in pricing — surgeon, anaesthesia, hospital, post-op review
  • Itemised invoice for employer reimbursement if needed
  • Same standard of care as insured patients
  • No application or approval required
View Full Pricing →
0% interest finance — explained clearly

How the finance process works

The finance option is provided through Ideal4Finance — a regulated credit broker used by thousands of patients. The process is straightforward and decisions are typically fast.

1

Get your cost estimate

We provide a full written estimate covering every element of your treatment before you apply for anything.

2

Apply online

Apply directly through the Ideal4Finance portal — takes around 5–10 minutes. You'll need basic personal and financial details.

3

Receive a decision

Decisions are typically quick. The final offer depends on your credit profile, loan amount, and term chosen.

4

Surgery proceeds

Once approved, your surgery date is confirmed. Your monthly payments begin after treatment, not before.

What does spreading the cost actually look like?

These are illustrative examples only — the actual rate offered will depend on your personal circumstances, loan amount, and term. Your written estimate from the practice gives you the exact figure to finance.

Finance is arranged through Ideal4Finance. Approval subject to status and credit assessment. Rates and terms are indicative only.

Example procedureVATS for pneumothorax
Total cost£15,000
Initial deposit (illustrative)£3,000
Amount financed£12,000
Over 12 months (0%)£1,000/month

Illustrative only. Your actual monthly payment depends on deposit, loan amount, term, and rate offered. No interest is charged on 0% eligible agreements.

Before you apply

Who is typically eligible for medical finance?

Finance approval depends on your personal credit profile and circumstances. These are general indicators — the lender makes the final decision based on a full assessment.

✅

Factors that support approval

Good credit history · UK resident with UK bank account · Regular income (employed, self-employed, or pension) · No recent county court judgements (CCJs) · Stable address history · Ability to meet monthly repayments comfortably within your budget

⚠️

Factors that may affect approval

Poor or thin credit history · Recent defaults or missed payments · Active CCJs or bankruptcy · High existing debt-to-income ratio. If you have concerns about your credit profile, contact Ideal4Finance directly on 020 3617 4647 (Mon–Fri, 9am–5pm) before applying.

Not sure if finance is right for you?Our practice team can talk through the options — insurance, finance, or full self-pay — and help you work out what makes sense for your situation before you apply for anything.

📞 020 7459 4367

Ready to apply for finance?

Apply online through the Ideal4Finance portal. The process takes around 10 minutes. Once you have an estimate from Mr Scarci's practice, you have everything you need to start an application.

Apply Online via Ideal4Finance → 📞 Call Ideal4Finance: 020 3617 4647

Ideal4Finance: Monday–Friday, 9am–5pm. Finance available subject to status and credit assessment.

⚖️ Regulatory information

Marco Scarci Limited is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

Ideal4Finance uses only reputable lenders and is rated Excellent on Trustpilot. For support with your application, contact Ideal4Finance directly on 020 3617 4647 (Monday to Friday, 9am to 5pm).

Your questions

Finance — frequently asked questions

  • What does the finance cover — just surgery, or everything?
    The finance can cover your total treatment cost — the written estimate you receive from the practice includes all elements: consultant fees, anaesthesia, hospital stay, theatre costs, and post-operative review. You finance the total figure on the estimate. There are no additional costs that the finance doesn't cover, provided your treatment proceeds as planned. If an unexpected complication arises requiring additional care, this is discussed and handled transparently with no hidden charges.
  • Does applying for finance affect my credit score?
    Submitting a full finance application typically involves a hard credit check, which may have a small, short-term impact on your credit score. If you are unsure about your eligibility and want to check without a hard search first, contact Ideal4Finance directly on 020 3617 4647 to discuss your options before applying. Once the loan is approved and repayments are made on time, this can actually have a positive effect on your credit profile over time.
  • Can I use finance if I also have partial insurance coverage?
    Yes. Some patients have private insurance with a high excess, or policies that cover only part of the surgical episode. In these situations, finance can cover the gap between what your insurer pays and what the total cost is. The practice team will help you understand exactly what your insurer covers first — and then the finance application can be structured for the remaining balance.
  • How quickly can surgery proceed once finance is approved?
    Once finance is approved and the practice team is notified, your surgery date can be confirmed very quickly — typically within a few days, subject to operating theatre availability and any pre-operative investigations needed. Finance approval does not slow the process down significantly. If your procedure is urgent, contact the practice directly to discuss how to fast-track the pathway.
  • What if my finance application is declined?
    If your application is declined, this does not mean surgery is out of reach. Contact Ideal4Finance directly on 020 3617 4647 to understand the reason and whether reapplying after addressing the issue is an option. Alternatively, the practice team can discuss a staged payment arrangement, a longer or shorter loan term, or other options. A declined application is a starting point for a conversation, not an end point.
  • Is my medical information shared with the finance provider?
    The finance application through Ideal4Finance relates to the loan amount and your financial circumstances — not your medical diagnosis or details. The credit assessment is based on financial information, not clinical data. The practice team handles all communication about the medical estimate separately and does not share clinical details with the finance provider.
Related pages

More information on costs and access

PricingComplete private thoracic surgery costs in LondonTransparent all-in pricing for VATS lobectomy, pleurodesis, pneumothorax surgery, and more. Includes NHS vs private comparison. InsuranceInsurance coverage checkerCheck whether your Bupa, AXA, Aviva, Vitality or other policy covers your specific procedure — before your consultation. ToolPersonalised cost estimatorA 60-second tool that gives you an estimated cost range based on your condition and hospital choice. Private careWhy go private for thoracic surgery?What private care provides that the NHS pathway cannot — timelines, access, and what to expect.

Cost shouldn't be
what stops you.

Get a written estimate, apply for finance if you need it, and have surgery within the week. The practice team handles the details so you can focus on your health.

Apply for Finance → Book a Consultation ic baseline phone020 7459 4367
Full written estimate before commitment
0% interest available on eligible applications
All major insurers also accepted

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WhatsApp 020 7459 4367