What financing options are available for private cataract surgery?

If you're considering private cataract surgery, one of the first questions you might have is about the cost. And just as importantly—how to pay for it.

Cataract surgery is a life-changing procedure. It can restore your vision, give you back your independence, and help you enjoy the things you love again. But it’s also a significant financial decision. The good news is: you don’t have to pay everything upfront.

At Sharmina Khan Eye Clinic, we believe that clear vision should be accessible. That’s why we offer a range of financing options to help make private cataract surgery more manageable and affordable.

In this blog, we’ll walk you through your options so you can plan your treatment with confidence.

How much does private cataract surgery cost?

Private cataract surgery at our clinic typically ranges from £2990 to £5,000 per eye, depending on your lens choice and any additional diagnostic technology. Your fee covers:

  • A thorough, consultant-led assessment
  • State-of-the-art diagnostic imaging
  • Your choice of advanced intraocular lens (standard or premium)
  • Femtosecond laser-assisted surgery (if appropriate)
  • Surgery with Miss Sharmina Khan
  • Post-operative medication and follow-up

We provide a clear, all-inclusive quote following your consultation—so there are no surprises or hidden fees.

Finance options: Spread the cost over 10 months

To make private cataract surgery more accessible, we offer 0% interest finance plans that let you spread your payments over up to 10 months.

Here’s what that could look like:

  • Treatment cost: £2990
  • Monthly payment (10 months): £290
  • Total interest: £0

You get the benefit of expert care, with the freedom to pay at a pace that works for you.

Use our finance calculator

To help you plan ahead, we’ve made it easy to estimate your monthly payments with our online finance calculator.

Just enter your treatment cost and preferred payment term, and you’ll see a breakdown of what your repayments might be—quick, clear, and commitment-free.

Try the finance calculator now

Why choose financing for cataract surgery?

Here’s why many of our patients decide to finance their treatment:

  • Immediate access to surgery—no waiting lists
  • Greater choice of premium lenses
  • Better planning for your personal finances
  • Peace of mind knowing your vision is in expert hands.

It’s a small monthly cost for something that can dramatically improve your day-to-day life.

Do I qualify for financing?

You’re likely to be eligible if you:

  • Are over 18
  • Live in the UK
  • Have a regular income or pension
  • Have a good credit history

The application process is quick and simple, and most people receive a decision in minutes. Our team can walk you through the steps at your consultation or by phone.

Can I still pay in full?

Yes, of course. If you prefer to pay upfront—whether from savings, a pension, or a lump sum—you can. We also accept split payments, such as half before surgery and half after.

The key is: you’re in control.

Why invest in your vision now?

Choosing private cataract surgery means you can:

  • Get treated within days or weeks—not months
  • Access a broader range of lenses
  • Choose a consultant with outstanding experience
  • Receive personalised care in a relaxed environment.

Waiting until “later” often means struggling longer with vision loss, giving up activities, and taking unnecessary risks. Financing removes the barrier of cost so you can move forward with clarity.

Start with a self-test

Still deciding if private cataract surgery is right for you?

Our free online suitability self-test takes just a few minutes and gives you a helpful first step toward clearer vision.

Home » What financing options are available for private cataract surgery?

Are you suitable for vision treatments?

They aren’t suitable for everyone.

Find out if you could benefit from this life-changing surgery by taking the quick self-suitability quiz below:

Our most popular procedures

  • Premium Cataract Surgery
  • Refractive lens exchange
  • Lipiflow

What our patients say…

★ ★ ★ ★ ★

Had cataract surgery on both eyes simultaneously last week and, 7 days later, the vision is brilliant. I can see to read as well, including small print smaller than I expected! I can see car number plates at the end of the road. Everything was excellent, and I could not have wished for anything better.

Verified patient on Doctify

★ ★ ★ ★ ★

My cataract surgery was a great experience. My vision is now brighter; overall, I felt informed and secure throughout, and I am glad I did it and definitely recommend Sharmina Khan. Everyone at the hospital was great, very professional, friendly, and treated me very nicely. During the surgery, I didn’t feel any pain at any time. The recovery was very easy and smooth.

Verified patient on Doctify

★ ★ ★ ★ ★

I was very nervous about having cataract surgery, as I have other medical conditions in both eyes. Ms. Khan allayed all of my fears and explained everything in detail to me. Now that both surgeries are completed, I couldn’t be more pleased with the results. I’m seeing things I’ve not been able to see properly in years. Amazing!

Verified patient on Doctify

★ ★ ★ ★ ★

Ms. Sharmina Khan is an outstanding eye consultant. She took the time to listen attentively to my concerns and provided thoughtful, easy-to-understand explanations. Her depth of knowledge and ability to address my questions left me thoroughly satisfied with her services. I highly recommend Ms. Sharmina Khan to anyone seeking expert eye care and guidance.

Verified patient on Doctify

★ ★ ★ ★ ★

I had cataract surgery in both eyes. The procedure was painless, easy to understand, and swift. My anxiety levels were very low, and recovery was quick and easy. I was just so relaxed. My vision was like being Wonder Woman. It was so clear, and it was like someone had cleaned a window. Now, my vision is fine for reading, computer use, and using a sewing machine.

Verified patient on Doctify

★ ★ ★ ★ ★

Extremely happy with vision following cataract surgery. I wish I had it done sooner. The colors I am experiencing, I didn’t know existed. The experience was really good; it wasn’t much painful. I really enjoyed the sandwiches afterward. When I got home, I saw every little mark on the walls and now am cleaning up!

Verified patient on Doctify

★ ★ ★ ★ ★

6/5. Incredibly impressed with Miss Khan’s bedside manner and operation and consultation. I have had the Synergy toric lens and have experienced a dramatic increase in distance vision. Now, I am able to read stuff on the television perfectly, and reading small print, I can now read the back of a tin of beans!

Verified patient on Doctify

★ ★ ★ ★ ★

Miss Khan was very professional, and both my eyes had trifocal intra-ocular lens implants (toric in the left). The risks and benefits were explained to my satisfaction, and I was very nervous. However, the procedure and the recovery were painless. I now have perfect unaided vision in both eyes and would recommend Miss Khan, 10 out of 10.

Verified patient on Doctify

★ ★ ★ ★ ★

I’m so pleased I sought Sharmina Khan’s help. My dry eye problem was debilitating. I turned up to my appointment in a very worried state and left reassured. My eyes are now vastly better. I feel in good hands. Thank you!

Verified patient on Doctify

★ ★ ★ ★ ★

I have had Lipiflow a few times now, and I couldn’t do without it because it really gets rid of my gritty and sore eyes for months at a time. Lipiflow has helped me go back to doing normal things without getting frustrated, like driving, tolerating air conditioning, generally tolerating different humidity levels, and not feeling like I need to use eye drops all the time. I would highly recommend it.

Verified patient on Doctify

We have replaced the images of real patients who provided these testimonials to protect their privacy.

Unlock your vision’s potential with our quick 2-minute quiz!

Embrace a world where glasses are a thing of the past and quickly discover if refractive lens exchange is the right choice for you. Uncover the possibilities of a life with crystal-clear vision, tailored to your unique needs.

Unlock Your Vision’s Potential with our quick 2-Minute quiz!

Embrace a world where glasses are a thing of the past and quickly discover if refractive lens exchange is the right choice for you. Uncover the possibilities of a life with crystal-clear vision, tailored to your unique needs.

Sharmina Khan

MBBS(Lond) MSc FHEA FRCOphth DipCRS CertLRS, Consultant Eye Surgeon

Hi, I’m Sharmina Khan

I am a specialist Cataract & Lens Consultant Surgeon based in London.

I have carried out over 7000+ cataract/lens procedures in the last 10 years across both my private and NHS practices.

In my private clinic I offer my clients bespoke Premium Cataract Care Pathways. There are options so that you can achieve your dreams of better vision and more, according to your lifestyle needs.