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It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
A dental loan is a form of personal loan that is used to finance dental work. This may be a standard unsecured personal loan or secured personal loan, or a specialised loan from a specific lender. Some dental practices may also offer their own financing programs, or may be partnered with interest-free 'buy now, pay later' services.
Credit cards can also be used to pay for dental bills in some cases.
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Alex offers personal loan with a variable interest rate from 5.49% p.a. No manual paperwork needed.
Dental loans work by a bank or lender letting you borrow money to cover the costs of dental surgery or other dental costs. Depending on the type of loan, potential borrowers may be able to borrow as little as $100 or as much as $50,000.
Generally, the higher the loan amount, the longer people have to pay it back. However, this will depend on the financial circumstances of the applicant. Customers with bad credit ratings, for example, may only qualify for short-term, high interest loans, otherwise known as payday loans. Loan terms usually vary from between 16 days (for high interest payday loans) to around seven years. Or, if someone opts for a credit card, they may be able to choose a longer repayment period. Customers should be aware however, that credit cards usually come with higher interest rates than traditional personal loans.
Most people are aware that dental work can be expensive, but just how much can a visit to the dentist cost? For diagnostic preventative work, that is, where you visit the dentist for an oral exam, fluoride, or sealing, the costs can be between about $30 to $100, although calculus removal can cost as much as $150.
For surgery, such as extraction, costs will look closer to $300+. For restorative work, including fillings and cusp capping, you should be expecting to pay closer to $400. When you get into full surgical and restorative work, the bill could be anywhere between $1,500 and $5,000. Braces can cost anywhere between $5,000 and $10,000. For families with one or more children in need of braces, the costs can really add up.
With the prices of Australian dentistry so high, it is little wonder that a number of Aussies are heading overseas for dental work, otherwise known as 'medical tourism'. Depending on the level of work you require, the cost of a flight combined with the cost of care may work out cheaper than paying a local dentist.
However, it's important to have the right insurance prior to making an overseas trip for healthcare services, as there may be risks involved.
Before applying for a dental loan, it's important to know the types of loans that are available. If you’re looking at getting dental loans then you have a few options open to consider:
Some questions to consider before applying for a dental loan:
While you're normally not able to access your super until you reach preservation age, there are certain situations that will allow you to access your super early. Under 'compassionate grounds' you can apply with the Department of Human Services to access your super early to pay for medical costs, which includes dental work.
Before accessing your super, consider other options you may have available.
The application process will differ depending on the lender that you apply with, as will the eligibility criteria. However, the minimum requirements for any finance application are that:
Click through to review pages on finder.com.au to find out what eligibility criteria is set by each lender and what documents you need to apply. If you've found a loan you want to apply for, click "Go to Site" to start your application.
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I need dental work. I need dentures. I’ve had 2 implants but one is not good and needs replacing. Today my dentist tells me I need 4 implants in total in my lower jaw.
Today I had impressions taken for dentures and the sister was over $1500. I have private health insurance but it’s not going to cover a fraction of the cost.
I’m so worried. I’ve had a really traumatic time with my oral work since last October when I had a full dental clearance.
What are my options?
Hi Kathryn,
Thanks for reaching out to us.
Please check our dental health insurance guide for helpful information and where you can compare your options. Please fill out the search tool on the page and click on ‘Search Policies’ to provide you a list of dental insurances that suit your needs.
Hope this helps.
Best regards,
Rench
I need dental loan of $600 for Thursday 12/10
Hi Anna,
I can’t recommend a lender for you but you can compare your personal loan options on the page above. Click through to the review page to see eligibility criteria and when you can expect to receive your loan amount.
Hope this helps,
Elizabeth
I would like to get a loan to get my theeth fixed please thank you
Hi Joanne,
You can compare unsecured personal loans on the page above, which may be used for dental work (depending on your eligibility). If you’re looking for a short-term loan, you can compare payday loans and give them a try.
Hope this helps,
Elizabeth