What it can cover
- Root canal treatment, crowns or bridges.
- Wisdom teeth removal.
- Implants or dentures.
- Treatment for a broken or painful tooth.
- The upfront cost of braces or aligners.
Check these before you borrow
Get a written treatment plan
Ask for each item and its fee in writing, so you can compare and claim.
Check your extras cover
If you have extras cover, check your yearly limits and waiting periods before you book.
Ask about paying in stages
Many dentists let you pay as treatment goes, or offer a payment plan.
Public dental care
With a concession card, your state or territory’s public dental service may treat you for free or a small fee. Some university dental clinics also charge less.
How the loan works
It’s the same loan whatever you use it for. Your offer and contract show your exact figures before you accept.
| Feature | What it means |
|---|---|
| What you can borrow | $2,050 to $4,600 in cash, in $50 steps |
| Establishment fee | $400, added to the loan, so the total stays within $5,000 |
| Length | 3 or 6 months |
| Repayments | The same amount each time, weekly, fortnightly or monthly, timed to your pay. The first is at least 7 days after the loan is paid. |
| Interest | A fixed rate, charged only on what you still owe |
| Paying early | Allowed at any time, with no early repayment fee |
| Security | None. The loan is unsecured |
| How you get the money | Paid into your own Australian bank account, if you’re approved and accept |
When this loan isn’t the right fit
- Regular check-ups and cleans.
- Payments on a dental plan you’ve already agreed to.
- Everyday bills or living costs that keep coming back.
- Paying off other loans or debts.
- Anything for a business, investing or gambling.
- If the repayments would leave you short for essentials. Free, confidential help is available from the National Debt Helpline on 1800 007 007.
Questions
Can I use it for braces?
Yes, for an upfront cost like a deposit. If your orthodontist offers a payment plan, compare its cost first.
Do you pay my dentist?
No. The money goes into your own bank account, and you pay your dentist yourself.
How quickly is the money paid?
If you’re approved and accept your contract, the money is sent to your own bank account. Timing depends on your bank and our checks, so we can’t promise when it will arrive.
Can I pay it off early?
Yes. You can repay early at any time, with no early repayment fee. You only pay interest for the time you have the money.