Paying for a dentist in the UK, are there payment plans?

I have lost a crown on one of my front teeth, the other 2 crowns are loose, and after ringing every dentist in my area- Lancaster- and still not finding a dentist. i had to resort to super glue to stick the loose crowns back in. i know stupid, but this is what the UK dentist system has come to. the thing is i have contacted a dentist who will do a free consultation, but i looked on their website and it will be �450 for a crown! i was wondering if it is possible that you can pay for this monthly instalments? dental insurance does not cover crowns, bridges or dentures. so i will have to pay. which i don't mind but �450 in one lump sum is a lot to pay. there are no NHS dentists round here taking on new patients, so i will have to go private. by the way, why is there such a shortage of dentists these days? many thanks for any answers.