Finance for private eye surgery is offered by the clinic that treats you, not by Eye Surgery Clinic, and it varies from one clinic group to the next. Blue Fin Vision says it offers flexible financing to spread the cost, with personalised payment plans arranged through its team. Sapphire Eye Care takes payment by card, bank transfer or cash, typically on the day of treatment, and for certain treatments lets you pay in instalments in the run-up to the procedure. Neither publishes an interest rate or a lender on its price pages, so the only way to know the terms for your treatment is to ask the clinic for them in writing.
Payment options at our partner clinics
These are the payment arrangements each clinic group describes on its own website. We have not added anything the clinics do not say themselves.
| Clinic group | Where | How you can pay, in the clinic’s words |
|---|---|---|
| Blue Fin Vision | London, Hertfordshire and Essex | Flexible financing to spread the cost of treatment, with personalised payment plans tailored to your budget arranged through its team. Its cost pages say this for cataract surgery, lens replacement, laser eye surgery, ICL, YAG laser capsulotomy, YAG vitreolysis, pterygium and pinguecula removal and xanthelasma removal, and its children’s myopia page says patient finance is available at its locations, subject to the applicable terms. |
| Sapphire Eye Care | Berkshire, Surrey, Sussex, Hampshire and Dorset | Self-pay by any major credit or debit card, bank transfer or cash, with full payment typically required on the day of treatment unless otherwise arranged. For certain treatments, payment in instalments leading up to the procedure. Its care coordinators discuss the options with you. |
Sources: Blue Fin Vision cataract surgery costs, lens replacement surgery costs, laser eye surgery costs and myopia management for children; Sapphire Eye Care: our prices (payment options). All read 15 September 2026. Terms can change; the clinic confirms them for your treatment.
The two arrangements are quite different. Instalments paid in the run-up to your procedure, as Sapphire Eye Care describes, spread your payments before you are treated. Financing to spread the cost, as Blue Fin Vision describes, can mean paying after treatment, so ask whether it is a credit agreement and who provides it.
Want the payment terms for your treatment? Request a consultation and ask the clinic to set out its price and payment options in writing.
Request a consultationWhat treatment costs at these clinics
Finance only makes sense once you know the price. These are the clinics’ own published starting prices, per eye unless stated, as checked on their websites:
| Treatment | Sapphire Eye Care | Blue Fin Vision | Our cost guide |
|---|---|---|---|
| Private cataract surgery | from £2,900 | from £4,000 | Cataract surgery cost |
| Refractive lens exchange | from £4,300 | from £4,000 | Refractive lens exchange cost |
| Upper eyelid blepharoplasty | from £2,350 for one eyelid, from £3,950 for both | Not on its price list | Blepharoplasty cost |
| YAG laser capsulotomy | from £550 for one eye, £700 for both | from £750 for one eye, £1,200 for both | YAG laser capsulotomy cost |
Blue Fin Vision’s prices exclude an anaesthetist’s fee where one is required. Consultation fees are separate at both clinic groups. Our guides to eyelid surgery and oculoplastics prices and all prices cover more treatments.
Insurance and paying yourself
Before you think about spreading the cost, check whether you need to pay at all. What insurance covers depends on the treatment:
- Cataract surgery. Blue Fin Vision says that if you have early cataracts, your insurer may cover the surgical element, with you paying the difference for a premium lens. Sapphire Eye Care is recognised by a number of UK insurers.
- Consultations and scans. Blue Fin Vision says private health insurance may cover consultations and diagnostic imaging, and that you should confirm your cover with your provider.
- Premium lenses. Blue Fin Vision says premium lens upgrades are typically paid privately.
- Refractive lens exchange and other surgery to reduce your need for glasses. The Royal College of Ophthalmologists says this is not available as an NHS procedure and is not covered by private health insurance schemes, so it is usually self-pay.
Our page for insured patients has more on using a policy, and our private cataract surgery guide explains the NHS and private routes.
Questions to ask before you agree to credit
If a clinic offers to spread the cost after treatment, you may be entering a credit agreement. Before you sign, ask:
- Who is lending? The name of the lender, and whether the clinic is arranging the credit on its behalf.
- What is the interest rate? The annual percentage rate, and whether it changes after an introductory period.
- What will I repay in total? The total amount repayable, not just the monthly figure, including any fees.
- Is there a deposit? How much, and when it is due.
- What does it cover? The consultation, the surgery for one or both eyes, and any later treatment such as a YAG laser capsulotomy.
- What happens if my treatment changes? For example, if surgery is postponed or cancelled, or you decide to treat only one eye.
- Is there a credit check? Whether applying affects your credit file.
If the clinic offers instalments before treatment instead, ask how many payments there are, when the last one is due, and what happens to the money already paid if you decide not to go ahead.