What's offered
- Interest-free instalments over 10 to 12 months at some clinics.
- Longer plans through a credit provider, where interest may apply.
- Some headline prices only apply if you take out the clinic's finance; read the small print.
Questions to ask
- What is the APR, and what is the total I repay?
- Is the 0% only for a set number of months?
- Is there a deposit, and is it refundable?
- What happens if I miss a payment, or if I decide not to go ahead after the assessment?
- Does the clinic get paid a fee by the lender?
Compare it with a loan or saving
A credit union or bank loan may cost less than a long finance plan. The Competition and Consumer Protection Commission explains how to compare loans and the true cost of credit. And the 20% tax relief comes back after you pay, which can clear the last instalments.
Don't let a monthly figure rush you
Don't book or pay on the day of a free consultation. The Royal College of Ophthalmologists advises at least a week between seeing the surgeon and deciding, and a deposit you can get back. A finance offer that ends today is a reason to walk away, not to sign.
Questions people ask
Can I get laser eye surgery on finance in Ireland?
Yes, many clinics offer monthly payments, some at 0% over 10 or 12 months.
Is 0% finance really free?
Often, for the set months. Check what happens after, and whether the price is higher with finance than without.
Can I claim tax relief if I paid on finance?
Yes, on what you paid. Revenue's rules on which year to claim apply, so keep the payment records.