Responsible Spending

Being healthy, well and feeling good is essential to living a fulfilling life. With HealthNow, you are able to get the healthcare you need when you need it without worrying about confusing contracts, upfront costs and interest. HealthNow will also help you build up a strong credit history!

HealthNow enables our customers to spread the cost of their healthcare over a term of their choice ensuring our customers are able to access the care they need, when they need it, preventing cost from being a limiting factor. Below we have outlined a few important points to ensure that you use HealthNow responsibly and are able to continue to feel well with HealthNow.

Choose your debit route

While you’re welcome to link payments to your credit card, using a debit card for your Layby payments means you’re paying for purchases with money you have. If you use a credit card, there is a risk it simply delays payment and you could end up paying interest.

Boost your credit rating

Unlike some traditional credit providers, HealthNow makes it easy to pay and doesn’t want customers defaulting on payments. It’s important to know that missing payments can also negatively affect your credit score which can impact your short and long-term life goals. It really is in your best interest (and ours) for you to pay on time, every time. Plus, if you establish a successful payment history, we may revise your limit over time.

Plan ahead

Choose your payment day carefully. Choosing a day when you know you’ll have money available will offset the chance of being caught out with insufficient funds and incurring late payment fees.

Keep track of your spend

The more purchases you make, the more payments you’ll need to manage. Happily, it’s easy to stay on top of things with the help of your HealthNow dashboard which enables you to view multiple payments at once, among other helpful features.

Create a simple budget

This should cover all your basic day to day expenses such as rent, food, any student loan costs, transport and a portion for savings. Google ‘budget template’ to get you started. Once completed, you should have a good idea of what you can afford to spend on additional costs that life might throw your way, this includes health and wellness costs and other want to have items.

Worried about missing a payment?

While it’s great to be able to acquire the health you need when you need it, we know that sometimes a situation might come up which might cause a payment to be missed. If you think this is going to happen, please get in touch with us before that happens here, before your payment due date and we’ll see if it’s possible to work something out. See our Help page which includes information about late fees for a missed payment.

If you feel like your payment problems go beyond a one-off missed payment and would like to talk to someone regarding a money problem, you can get free, confidential financial advice from Fin Cap or Citizens Advice Bureau.