Home

/

Skin, Hair & Nails

/

Fungal Nail Infection

Skin, hair and nails icon - eczema, psoriasis and rashes assessed by an online GP at Cheshire Clinics
Treatable online

Fungal Nail Infection

Slow to treat and worth confirming before you start — half of thickened nails are not fungal.

£40 · 20 minutes

Same-day availability

6am to 10pm, seven days

Assessed and treated by a GMC-registered GP

Prescriptions, sick notes and referral letters included

A written treatment plan after every appointment

Your NHS records in the room, with your consent

Clinically reviewed by Dr Mohammad Khan · Last reviewed

August 23, 2026

Book a consultation

A 20-minute appointment with a GMC-registered GP for £40. No membership required.

Private GP care led personally by Dr Mohammad Zubair Khan, GMC 7563469.

Why patients choose Cheshire Clinics

GMC registered doctors badge - every Cheshire Clinics consultation is with a General Medical Council registered GP

GMC-registered

Care led personally by Dr Khan

Royal College of General Practitioners badge - RCGP trained private GP consultations at Cheshire Clinics

RCGP-trained

Attentive, unhurried care that listens properly

Google five star reviews badge - Cheshire Clinics private GP online

Highly rated by patients

Five-star Google reviews from the people we have looked after

Care Quality Commission registered badge - Cheshire Clinics online GP service is registered with the CQC, England's independent regulator of health and social care

CQC-registered

Registered with the Care Quality Commission

Same-Day Appointments
Sick Notes
Private Prescriptions
Blood Tests
Menopause & HRT
Weight Management
Mental Health
Specialist Referrals
Same-Day Appointments
Sick Notes
Private Prescriptions
Blood Tests
Menopause & HRT
Weight Management
Mental Health
Specialist Referrals

Overview

Fungal nail infection makes nails thickened, discoloured, brittle and crumbly. It is common, particularly in toenails, and it is treatable — but it is one of the areas where the standard approach most often goes wrong.

The most important point on this page: get it confirmed before treating it. Up to half of thickened, discoloured nails are not fungal at all. Repeated trauma from footwear, psoriasis and other nail conditions look very similar. Months of oral antifungal treatment for a nail that was never infected achieves nothing and carries real risk, so a nail clipping sent for laboratory testing is worth the wait.

Second: the nail does not look better when the treatment works. The infection is killed, but the damaged nail has to grow out — and a toenail takes 12 to 18 months to replace itself completely. People finish a three-month course, see a nail that looks unchanged, and conclude it failed. It usually has not.

And third: treatment is optional. If the nail does not hurt and does not bother you, leaving it alone is entirely reasonable — unless you have diabetes or poor circulation, where it matters more.

Common symptoms

What it looks like

  • Thickening of the nail
  • White, yellow, brown or greenish discolouration
  • Crumbling, particularly at the free edge
  • Debris building up underneath, lifting the nail from its bed
  • Distortion of shape; the nail may become difficult to cut
  • Usually starts at one corner of the free edge and works backwards

Symptoms

  • Usually none beyond appearance
  • Discomfort in shoes if the nail becomes thick
  • Pain if it presses into surrounding skin
  • Embarrassment, which for most people is the actual reason they seek treatment

What tends to come with it

Athlete's foot, almost always — and it needs treating at the same time, or the nail keeps being reinfected.

What else makes nails look like this

  • Repeated trauma — from running, football, or shoes that are slightly too short. Very common, and often affects the big toe or the second toe if it is longer
  • Psoriasis — look for pitting, an oil-drop discolouration, and plaques on elbows, knees or scalp
  • Lichen planus, and eczema of the nail fold
  • Ageing, which thickens nails without any infection
  • Poor circulation

The one that must not be missed

A dark brown or black streak running lengthways along a single nail — particularly if it is widening, if the nail is distorting, or if the pigment extends onto the skin of the cuticle. This can be a melanoma of the nail unit and needs urgent assessment. It is not fungal, and it should never be treated as such or left to see if it grows out.

Causes and risk factors

The organism

Usually a dermatophyte — the same fungus family as athlete's foot and ringworm. Occasionally yeasts, particularly in fingernails, or moulds.

The infection nearly always spreads from the skin of the foot to the nail, which is why treating the nail without the skin fails.

What makes it more likely

  • Existing athlete's foot
  • Nail trauma — a damaged nail is far easier to infect, which is why runners and footballers get it more
  • Age — nails grow more slowly and are more easily colonised
  • Diabetes, poor circulation, and immunosuppression
  • Communal changing rooms, showers and pools
  • Occlusive footwear and sweaty feet
  • Nail salons, where instruments are not properly sterilised between clients
  • Acrylic and gel nails, which seal moisture against the nail plate

Why it matters more for some people

For most people this is a cosmetic problem. It is not, however, for everyone:

  • Diabetes — thickened nails press into surrounding skin, breaking it, and infected nails and athlete's foot together are a recognised route to cellulitis and ulceration
  • Poor circulation, or reduced sensation in the feet
  • Immunosuppression

In those situations treatment is a health measure rather than an appearance one.

How it is diagnosed

Confirm first — this is the whole point

Send nail clippings for microscopy and culture before starting treatment. Up to half of abnormal-looking nails are not fungal, and oral treatment lasts months, requires blood monitoring and interacts with other medicines. It is not something to commit to on appearance alone.

Take the sample before starting any treatment — including nail lacquers — or the result may be falsely negative. Clip as far back as you can and include the crumbly debris from underneath, which is where the fungus is; the shiny clipped edge alone often comes back negative. Results usually take two to four weeks, and culture is imperfect, so a repeat sample is sometimes needed.

What we ask

  • Which nails, how many, and how long
  • Whether it started after an injury, or a period of running or sport
  • Whether you have athlete's foot — present in most cases
  • Any psoriasis, or a family history of it
  • Diabetes, circulation, immunosuppression
  • All other medication, because of interactions with oral antifungals
  • Liver problems or alcohol intake, relevant to treatment safety

What needs urgent in-person assessment

  • A dark streak or pigmented change in a single nail, particularly if widening or extending onto the cuticle
  • A nail lifting with bleeding or an underlying lump
  • Any foot infection in someone with diabetes

How we treat it online

1. Deciding whether to treat at all

No treatment is a perfectly reasonable option if the nail is painless and does not bother you. Oral treatment means months of tablets and blood tests for what is, for most people, an appearance problem. That is a trade-off worth making deliberately.

It shifts where there is diabetes, poor circulation, immunosuppression, pain, or spreading infection — there, treatment is worthwhile on health grounds.

2. Topical treatment — honest expectations

Amorolfine nail lacquer, applied once or twice weekly for six to twelve months.

Cure rates are low — well under a third — and it works best only for early infection affecting the tip of one or two nails, without involvement of the base. We would rather say that plainly than have you spend a year on something unlikely to work. Filing the nail surface before applying helps it penetrate.

3. Oral treatment — what actually works

  • Terbinafine — six weeks for fingernails, three months for toenails. Considerably more effective than lacquer
  • Itraconazole as an alternative, particularly for yeasts
  • Liver function testing before starting and during treatment
  • Important interactions — including with some antidepressants, heart medications and statins, so the full medication list matters
  • Not used in pregnancy

4. The expectation that prevents disappointment

Your nail will look no better at the end of the course. The fungus is killed but the damaged nail must grow out — 12 to 18 months for a toenail. Judge success by whether healthy nail is emerging from the base, not by the appearance of the tip. This is the single commonest reason people believe treatment has failed.

5. Treat the skin, or it returns

Treat athlete's foot at the same time and keep treating it afterwards. Recurrence rates are high, and untreated skin infection is the usual reason.

6. What we will not do

  • Start months of oral antifungal treatment without laboratory confirmation
  • Prescribe oral antifungals in pregnancy
  • Treat a pigmented streak in a nail as fungal
  • Oversell nail lacquer as likely to clear an established infection
Skin, hair and nails consultation - private GP assessment for rashes, acne, eczema and hair loss at Cheshire Clinics

Ready to talk to a GP about this?

Book a consultation
Important

When to seek urgent help

Fungal nail infection is not an emergency. Seek prompt medical attention for:

  • A dark brown or black streak in a single nail — particularly one that is widening, distorting the nail, or extending onto the skin at the cuticle. This needs urgent assessment for melanoma and must not be treated as fungal
  • Spreading redness, warmth, swelling or pus around the nail with fever — cellulitis or an acute infection
  • Any foot infection in someone with diabetes or poor circulation
  • Severe pain, or a nail lifting with bleeding underneath

Book an appointment for:

  • Thickened or discoloured nails you would like assessed — ideally before starting any treatment, so a sample can be taken
  • Nails causing pain or difficulty with footwear
  • Nail changes in anyone with diabetes, poor circulation or a weakened immune system
  • Nail changes with a skin rash — which may be psoriasis rather than infection
  • No sign of healthy nail growing from the base after several months of oral treatment
  • Discussing whether treatment is worth it at all

Prevention and self-care

Reducing recurrence

  • Treat athlete's foot, and keep treating it. The skin is the source; the nail is the consequence
  • Antifungal powder or spray inside your shoes — spores survive in footwear for months, and this step is almost universally skipped
  • Alternate shoes so each pair dries fully for 24 hours
  • Dry thoroughly between the toes after washing
  • Change socks daily; wash them at 60°C
  • Flip-flops in communal showers, changing rooms and pool areas

Nail care

  • Keep nails short and file the thickened surface down — this reduces pressure in shoes and helps any lacquer penetrate
  • Use separate clippers for affected nails, and clean them afterwards
  • Do not share clippers or files
  • At a salon, check instruments are sterilised between clients — or take your own. Salons are a genuine and under-recognised source
  • Avoid gel and acrylic nails while treating, since they seal moisture against the nail
  • Do not use nail varnish to cover an infected nail during treatment

Shoes that fit

Repeated trauma from shoes that are slightly too short both damages nails and lets fungus in. Have your feet measured — particularly if you run — and allow a thumb's width at the end.

If you have diabetes

Check your feet daily, see a podiatrist for nail care rather than cutting thickened nails yourself, never use over-the-counter corn or hard-skin removers, and get any break in the skin looked at promptly.

What is not worth your money

  • Vicks VapoRub, tea tree oil, vinegar soaks and bleach — popular remedies with, at best, weak anecdotal support. Harmless enough, but not treatment
  • Laser treatment marketed for fungal nails — expensive, and the evidence is poor
  • Nail lacquer for advanced infection involving the base of the nail, where it will not work
  • Months of oral treatment for a nail that was never tested

NHS or private

The first question is whether to treat this at all, and for many people the honest answer is no. A discoloured toenail causing no symptoms in an otherwise healthy person is a cosmetic problem, and the treatment is three to six months of tablets with blood tests. Doing nothing is a legitimate choice and we will say so.

NHS treatment is free where it is indicated, though many practices now decline to treat purely cosmetic nail infection.

Where money is genuinely wasted: medicated nail lacquers, which are expensive over a year and have poor cure rates for established infection; laser treatment, where durable cure evidence is weak; and tea tree oil, vinegar soaks and Vicks, none of which clear an established nail infection.

Where a consultation is worth paying for is doing it properlynail clippings sent for confirmation before starting, because roughly half of abnormal nails are not fungal at all, plus baseline liver function tests and a medicines review, since terbinafine raises the levels of several drugs.

Treatment matters more if you have diabetes or poor circulation, where nail and skin infection is a route to more serious foot problems.

Evidence and guidelines

NICE Clinical Knowledge Summary, Fungal nail infection, is the principal reference. It recommends confirming the diagnosis by nail clipping and mycology before starting oral treatment, since a substantial proportion of dystrophic nails are not fungal, and covers terbinafine as first-line for dermatophyte infection.

CKS specifies treatment durations — six weeks to three months for fingernails, three to six months for toenails — and notes that the nail appearance continues to improve for months after treatment ends.

CKS recommends baseline liver function testing before oral terbinafine, with repeat testing for longer courses.

CKS is explicit that treatment is not always necessary, and that asymptomatic infection in a healthy person may reasonably be left — the basis for the position above.

British Association of Dermatologists guidelines cover topical amorolfine, restricted to early superficial disease affecting a limited portion of the nail.

Common questions

Do I definitely have a fungal infection?

Not necessarily — up to half of thickened, discoloured nails are not fungal. Repeated trauma from footwear and psoriasis both look very similar. This matters because oral treatment means months of tablets, blood tests and drug interactions. Get a nail clipping tested before committing to any of that, and take the sample before starting any treatment.

Why does my nail still look awful after finishing the tablets?

Because that is expected. The treatment kills the fungus but the damaged nail has to grow out, and a toenail takes 12 to 18 months to replace itself. Judge it by whether healthy nail is appearing at the base, not by the tip. This is far and away the commonest reason people think treatment failed when it did not.

Does the nail paint work?

Rarely, if the infection is established. Cure rates for amorolfine lacquer are well under a third, and it only really works for early infection at the tip of one or two nails without involvement of the base. We would rather tell you that than take a year of your effort. Filing the nail surface first helps a little.

Do I have to treat it?

No. If the nail is painless and does not bother you, leaving it is entirely reasonable — months of tablets for an appearance problem is a real trade-off. It becomes more important if you have diabetes, poor circulation or a weakened immune system, where thickened nails and athlete's foot together can lead to skin breaks and infection.

Why does it keep coming back?

Almost always because the skin was not treated. Athlete's foot is the reservoir — treat it alongside and keep treating it. And use an antifungal powder inside your shoes: fungal spores survive in footwear for months, and this step is nearly always missed.

I have a dark line down one nail. Is that fungal?

Not usually, and it needs looking at rather than treating. A brown or black lengthways streak in a single nail — especially one that is widening, distorting the nail, or spreading onto the skin at the cuticle — can be a melanoma of the nail. Please get it assessed promptly rather than waiting to see whether it grows out.

Can I still paint my nails?

Not while you are treating them — varnish, gel and acrylics all seal moisture against the nail and work against you. Once treatment is finished and healthy nail is growing, it is fine. And at a salon, check the instruments are properly sterilised between clients, or take your own — nail bars are a genuine source of infection.

Dr Mohammad Zubair Khan, GMC-registered private GP and founder of Cheshire Clinics
Clinically reviewed by Dr Mohammad Zubair Khan, GMC 7563469
Last reviewed

August 23, 2026

How it works

What happens when you book

£40 for a 20-minute appointment with a GMC-registered GP, 6am to 10pm, seven days a week. Membership is optional and never required.
Cheshire Clinics online GP appointment booking confirmation on mobile
01

Book your appointment

Pick a time that suits you — 6am to 10pm, seven days a week, including weekends and bank holidays. £40 for 20 minutes, self-pay, with no insurance to arrange.
5–10 minutes
Online video consultation with a GMC-registered private GP
02

Meet your GP

A 20-minute video or phone consultation with a GMC-registered GP — long enough for a proper conversation about your symptoms, your history and what matters to you.
20 minutes
Diagnostic testing plan including blood test panel, ECG and urine screening
03

Tests and referrals, if you need them

Where testing will actually answer the question, we arrange it — blood tests and health screening through our laboratory partner, or a referral for ultrasound, X-ray, CT or MRI through private imaging providers. We will also tell you when a scan is not the right next step.
1–7 days
Personalised results and treatment plan from a private GP consultation
04

Results and next steps

Your GP talks you through what the results mean and agrees the next step with you. Every consultation ends with your treatment plan in writing, and any prescription goes to your own pharmacy.
20 minutes
GP follow-up reminder for ongoing care and progress monitoring
05

Ongoing care and follow-up

Follow-up appointments, progress monitoring and ongoing advice — including saying plainly when something needs in-person or NHS care instead.

Ongoing

How we compare

Time to be seen

Appointment length

Your NHS record in the room

Written treatment plan

Told when a test isn’t needed

Cost

Varies by practice

Typically 10 minutes

Yes, your full record

Not routinely

Usually

Free

Same day

Often 10 to 15 minutes

Usually not

Sometimes charged

Varies by provider

Often a subscription

Questions about our service

How quickly can I be seen?

Same-day access is usually available, from 6am to 10pm, seven days a week. You choose a time that suits you rather than waiting on hold at 8am.

Will I see the same doctor each time?

Yes. Care is led personally by Dr Mohammad Khan, so you are not passed between clinicians. Continuity is the point of a small practice: someone who knows your history and is listening attentively rather than working through a checklist.

Can you see my NHS records?

Yes, with your consent. We can access your Summary Care Record during the consultation, so your current medications, allergies and significant history are in the room. That means fewer questions you have already answered elsewhere, and safer prescribing.

Are you trying to replace my NHS GP?

No. We are not here to replace GPs, only to support them. Your NHS practice remains responsible for your ongoing care, and with your consent we write to them after the consultation. We are useful when you need to be seen sooner, or want more time than a standard appointment allows.

What is included in the appointment?

Twenty unhurried minutes and a comprehensive assessment. A written treatment plan is included, along with any prescription, sick note or referral letter arising from the consultation, at no extra charge.

How much does it cost?

£40 for 20 minutes, self-pay. Membership is optional and never required. Priced for fairness, because we are not here to charge extortionate amounts for access to a doctor.

What does “treatable online” actually mean?

It means the diagnosis can usually be made from your history and photographs, and that treatment can be arranged safely without examining you. Where a condition is not marked treatable online, it is because examination is the diagnosis — listening to a chest, feeling an abdomen, examining an ear or a joint — or because a procedure or device is needed.

Can you prescribe antibiotics?

Yes, where there is a genuine bacterial infection — cellulitis, impetigo, bacterial urine infections, confirmed strep throat. We will also frequently tell you that you do not need one. Most sore throats, coughs, colds and earaches are viral, and an antibiotic gives you the side effects with none of the benefit.

What if the GP cannot help with what I need?

If your problem turns out to be genuinely outside what we can do remotely, the doctor will tell you straight away, point you to the right service, and refund your fee in full. We would rather do that than fill twenty minutes to justify the charge.

What should I do in an emergency?

Call 999 or go to A&E — do not book an online appointment and do not wait for a reply to an email. For urgent problems that are not emergencies, NHS 111 is available 24 hours a day, online or by phone, and can direct you to the right service.

Patient reviews

What our patients say

No reviews published yet.
Ready to see a GP?20 minutes with a GMC-registered doctor. £40, usually same day.
Book a consultation