Instalment plans for elective healthcare · Launching with pilot clinics
One price. A known monthly amount. No surprises.
Tenor lets dental, aesthetic, vision and fertility clinics offer patients a fixed-instalment plan at the point of treatment — with the clearest protections of any consumer credit product in Singapore.
Illustration only. Your plan's total repayable, instalment amount, number of instalments, fees and effective interest rate are shown in figures on a single page before you sign. Plans beyond 12 months may carry interest, always disclosed, never deferred.
Why Tenor
Built for a clinic, not bolted onto one
Healthcare is regulated for good reason. Tenor was designed from the first line so that the treating clinician never discusses money, nothing is advertised, and the patient's decision to treat is never influenced by the availability of finance.
The clinician stays a clinician
Financing is raised only after the clinical decision, never during consultation or treatment, and never by the treating doctor. For larger amounts, Tenor's own team completes enrolment.
No deferred interest, ever
A 0% period means interest is waived, not stored up. There is no retrospective interest, no compounding of fees, no early-settlement penalty and no account fee.
Aftercare is never conditional
A missed instalment never affects follow-up care, revision or access to medical records. That is written into every clinic agreement.
How it works
From quote to first instalment
Treatment plan agreed
You and your clinician settle the treatment and the price first. The cash price and the instalment price are identical.
Apply in minutes
At the point of payment, apply on Tenor's platform with Singpass. An affordability check that is stricter than the industry limit protects you from over-commitment.
One page, all the numbers
Total repayable, monthly amount, number of instalments, every fee and the effective interest rate — in figures, on a single page, before you sign.
Confirmation call, then cooling-off
We call within 72 hours to restate the terms. Your seven-business-day cooling-off runs from that call, with fee-free cancellation.
For clinics
Close the treatment. Get paid in two business days.
Tenor settles the financed amount to your clinic within two business days of treatment, handles every conversation about money, and carries collections. Your staff are certified once and never carry a financing target.
Launching in 2026 with a limited number of dental, aesthetic, vision and fertility clinics in Singapore. Plans are not yet available to patients.
Our protections
Tighter than the rules require
These are conditions of every plan Tenor arranges, and they sit above the regulatory minimum by design.
| Protection | What Tenor commits to |
|---|---|
| Affordability | No plan where your aggregate unsecured debt would exceed four times your monthly income — the industry limit is six. |
| Minimum age | 21, with no exceptions and no guarantor workaround. |
| Disclosure | Every figure on one page before signature, including the effective interest rate. |
| Cooling-off | Seven business days from the recorded confirmation call, cancellable free of charge with a full unwind. |
| Fees | Late fee capped at S$60 per occurrence; no compounding; no early-settlement penalty; no account maintenance fee. |
| Hardship | A published forbearance policy with payment holidays and restructuring, provided to you at enrolment. |
| Tenor | Plans run from 6 to 36 months. Nothing longer. |