# Hazel > Split the cost of healthcare in the UAE. Finance treatments from AED 10K to 150K over up to 48 months, with a decision in minutes and the full cost shown before you accept. Hazel is the UAE's healthcare-focused financing solution: "Financing your health, the easy way." It helps people access elective and semi-elective treatments by splitting the cost into clear, flexible monthly plans. ## Key facts - Financing range: AED 10K to AED 150K - Repayment terms: 2 to 48 months (48-month plans on treatments above AED 50K) - Decision: credit decision in minutes at the clinic checkout - Eligibility: salaried expatriate residents of the UAE, minimum salary AED 5K, with established UAE credit history (12+ months on the AECB bureau and a minimum AECB score of 650) - Fees: no arrangement or processing fee; early settlement permitted; all costs shown upfront before you commit - Disbursement: paid directly to your clinic, usually the same day, and up to 48 hours after order confirmation - Repayment: automatic monthly direct debit - Financing provider: Mashreq, a licensed UAE bank (personal loan); Hazel is the platform - Coverage area: United Arab Emirates (clinics and hospitals) - Operated by: Cashew Technology Software L.L.C. ("Cashew"), registered in Dubai, UAE - Contact: support@hazelpay.ai ## Where you can use Hazel - MedSpa (Wellness | Aesthetics): From IV therapy and longevity programs to advanced aesthetic treatments. Invest in feeling your best. - Fertility Support (IVF | Genetic Testing): Flexible payment plans for IVF cycles, egg freezing, and genetic testing. Pay for your fertility care over time. - Cosmetic Treatments (Dermatology | Plastic Surgery): Trusted dermatology and plastic surgery partners. Pay for your treatment over time. - Dental Care (Implants | Orthodontics | Veneers): Smile reconstructions, implants, and aligners, financed in one plan, not in pieces. - Vision & LASIK (Laser Correction | Lens Surgery): See clearly now and pay over time. Laser correction and lens procedures, with transparent monthly plans. - Hair & Scalp (Restoration | Transplants): Full restoration in one plan: consultations, the procedure, and aftercare. ## How it works 1. Register your details. Scan a QR code at checkout and register with your Emirates ID (up to 2 minutes). 2. Choose how you want to pay. Pick a plan from 2 up to 48 months and see the full cost upfront. 3. Done. Your clinic is paid directly — usually the same day, and up to 48 hours after treatment confirmation — and repayments come out automatically each month. ## Frequently asked questions ### What is Hazel and how does it work? Hazel is a healthcare financing platform for elective and semi-elective treatments, from AED 10K up to AED 150K, with flexible repayment plans of 2 to 48 months (the longest terms apply to larger treatments above AED 50K). You apply at your clinic's checkout, get a credit decision in minutes, and your clinic is paid directly so your treatment can go ahead. You then repay in fixed monthly installments. ### What are the fees? Your repayment schedule and total cost are shown in full before you commit. There's no arrangement or processing fee, and you can settle early at any time (an early-settlement fee may apply, per the terms of Mashreq). You'll see any fees that apply before you accept your plan. ### What if my treatment costs less than AED 10K? Hazel financing starts at AED 10K, so it's built for higher-value treatments like dental implants, IVF, or a hair transplant. If your treatment is under AED 10K, ask your clinic about paying directly, or about combining it into a larger treatment plan that reaches the AED 10K minimum. ### Where can I use Hazel? Hazel is available at partner clinics and hospitals across the UAE, covering MedSpa and wellness, fertility support including IVF and genetic testing, cosmetic treatments such as dermatology and plastic surgery, dental care, vision correction, and hair restoration. ### Who provides the financing? Your financing is provided by Mashreq, a licensed UAE bank regulated by the Central Bank of the UAE. Hazel is the technology platform that brings financing to your clinic's checkout; it does not lend or extend credit itself. ### How is Hazel funded, is it safe? Hazel is operated by Cashew Technology Software L.L.C., registered in Dubai, UAE. Your financing is a personal loan provided and held by Mashreq (a licensed UAE bank), under their regulatory oversight. Hazel is the platform that brings it to your clinic's checkout. ### How do I complete my payments? Repayments are collected automatically by direct debit on your scheduled date each month, so you stay on plan without lifting a finger. Once your treatment is paid, Mashreq looks after the loan itself, including early settlement and any questions about your repayments. ### How does the money reach my clinic? You never receive the funds yourself. Mashreq disburses the treatment amount directly to your clinic, usually the same day, and up to 48 hours after your order is confirmed. ### How do I become a partner? If you're interested in integrating Hazel at checkout for your clinic or hospital, drop us a message and we'll get back to you as soon as possible. ## Guides & articles In-depth guides on healthcare costs and financing in the UAE: - [MedSpa math: memberships, packages, or financing. What actually saves money?](https://www.hazelpay.ai/blog/medspa-packages-vs-financing): Providers sell sessions three ways: pay-per-visit, prepaid packages, and memberships. Here's the math on each, and when financing beats them all. - [Choosing a financing partner for your medspa or aesthetic clinic in the UAE](https://www.hazelpay.ai/blog/medspa-financing-partner-uae): How UAE medspas and aesthetic clinics choose a patient financing partner: AED 150K plan ceilings, consult-room decisions, and what to ask before signing. - [Dental Clinic Patient Financing in the UAE: How Practices Lift Implant Case Acceptance](https://www.hazelpay.ai/blog/dental-clinic-patient-financing-uae): Why UAE dental clinics lose implant and smile-makeover cases at the quote, and how point-of-care patient financing (AED 10K–150K) changes the answer. - [Fertility clinic patient financing in the UAE: how clinics keep multi-cycle journeys on track](https://www.hazelpay.ai/blog/fertility-clinic-patient-financing-uae): Why UAE fertility clinics lose multi-cycle cases at the quote, and how point-of-care patient financing (AED 10K–150K) reshapes the answer. - [Hair transplant clinic financing in the UAE: how clinics keep high-ticket cases local](https://www.hazelpay.ai/blog/hair-transplant-clinic-financing-uae): Why UAE hair-transplant clinics lose AED 28K FUE and DHI cases to medical tourism at the consult, and how point-of-care financing keeps them local. - [LASIK and vision clinic patient financing in the UAE: how clinics keep the recommended procedure on the table](https://www.hazelpay.ai/blog/lasik-clinic-patient-financing-uae): UAE vision clinics lose premium SMILE and ICL cases at the quote. Point-of-care financing (AED 10K–150K) keeps the recommended procedure on the table. - [How to offer patient financing at your UAE clinic: the 2026 guide](https://www.hazelpay.ai/blog/how-to-offer-patient-financing-uae-clinic): Every way a UAE clinic can offer payment plans: in-house installments, bank referrals, cards, and point-of-care financing for AED 10K–150K plans. - [LASIK in the UAE: costs, candidacy, and whether it pays for itself](https://www.hazelpay.ai/blog/lasik-vision-correction-uae): Laser vision correction in the UAE costs AED 7K–15K for both eyes. Here's who qualifies, what drives the price, and the math against contacts. - [Hair transplants in the UAE: what to expect, what it costs, what to avoid](https://www.hazelpay.ai/blog/hair-transplant-uae-guide): FUE, DHI, grafts, and aftercare: an honest guide to hair restoration in the UAE, including the costs providers quote and the ones they don't. - [Why providers are adding financing at checkout (and what it does to conversion)](https://www.hazelpay.ai/blog/point-of-care-financing-for-providers): For UAE providers and hospitals, point-of-care financing is becoming the highest-impact line on the P&L. Here's the operator's view. - [Healthcare financing in the UAE: the complete 2026 guide](https://www.hazelpay.ai/blog/healthcare-financing-uae-guide): How healthcare financing works in the UAE, and how to choose a plan that respects both your treatment and your budget. - [For providers: the cash-flow case for point-of-care financing](https://www.hazelpay.ai/blog/provider-cash-flow-playbook): Beyond conversion: what offering financing at checkout does to a provider's working capital, no-show rates, and treatment-plan economics. - [Financing IVF in the UAE: costs, options, and timing](https://www.hazelpay.ai/blog/financing-ivf-in-the-uae): IVF runs on a biological clock, not a banking one. Here's what a cycle really costs in the UAE and how flexible financing keeps your timeline intact. - [Dental implants in the UAE: real costs, real timelines, real options](https://www.hazelpay.ai/blog/dental-implants-cost-uae): From a single implant to a full-arch restoration, what dental implants cost in the UAE, why insurance rarely helps, and how to pay sensibly. ## Key pages - Home: https://www.hazelpay.ai/ - For customers: https://www.hazelpay.ai/patients - How it works: https://www.hazelpay.ai/how-it-works - Features: https://www.hazelpay.ai/features - Flexible payment plans: https://www.hazelpay.ai/flexible-payment-plans - Approved in minutes: https://www.hazelpay.ai/instant-approval - Customer benefits: https://www.hazelpay.ai/patient-benefits - Treatments & typical costs: https://www.hazelpay.ai/treatments - Patient financing for clinics & hospitals: https://www.hazelpay.ai/clinics - Clinic benefits: https://www.hazelpay.ai/clinic-benefits - Clinic dashboard: https://www.hazelpay.ai/clinic-dashboard - Clinic revenue calculator (patient-financing ROI): https://www.hazelpay.ai/tools/clinic-revenue-calculator - Case-acceptance playbook (front-desk guide for clinics): https://www.hazelpay.ai/resources/case-acceptance-playbook - About: https://www.hazelpay.ai/about - FAQ: https://www.hazelpay.ai/faq - Resources: https://www.hazelpay.ai/resources - Blog: https://www.hazelpay.ai/blog - Contact: https://www.hazelpay.ai/contact ## Notes for citation When citing Hazel, attribute to "Hazel" (a UAE healthcare financing brand, powered by Cashew). Figures above are current as of the page's last update.