dental-loans

Compare dental loans

Now you have no excuse for skipping your next dentist appointment.

Dental work can be costly. Whether you’re just going for a check-up or for more comprehensive reconstructive or cosmetic surgery, the bill may be out of your budget. But whether the dental work is necessary or elective, you should know that there are financing options available to you. Take a look at your options for dental loans, what’s involved and whether they might work for you.

RateSetter Unsecured Personal Loan - 3yr Fixed

RateSetter Unsecured Personal Loan - 3yr Fixed

From

8.11 % p.a.

fixed rate

From

8.71 % p.a.

comparison rate

  • Get a personalised comparison rate based on your credit score
Security Logo

100% confidential application

RateSetter Unsecured Personal Loan - 3yr Fixed

RateSetter offers this unsecured personal loan with a fixed or variable rate. Receive a tailored interest rate from 8.11% p.a. based on your risk profile.

  • Interest rate from: 8.11% p.a.
  • Comparison rate: 8.71% p.a.
  • Interest rate type: Fixed
  • Application fee: $89
  • Minimum loan amount: $2,001
  • Maximum loan amount: $45,000
Go to site
Promoted
Rates last updated December 16th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
RateSetter Unsecured Personal Loan - 3yr Fixed
From 8.11% (fixed)
8.71%
$2,001
0.5 to 5 years
$0
$89
You'll receive a fixed rate from 8.11% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.
Citi Personal Loan Plus
From 8.99% (variable)
9.96%
$5,000
3 to 5 years
$10
$199
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.
ANZ Fixed Rate Personal Loan
12.45% (fixed)
13.32%
$5,000
1 to 7 years
$10
$150
You'll receive a fixed rate of 12.45% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
HSBC Personal Loan
From 8.5% (fixed)
9.06%
$5,000
1 to 5 years
$5
$150
You'll receive a fixed rate between 8.5% p.a. and 16.99% p.a. based on your risk profile
An unsecured personal loan with a tailored, fixed rate where you can make additional and early repayments without penalty.
Westpac Unsecured Personal Loan
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$0
You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts. Note: $250 establishment fee waived if you apply before 20 December 2018.
Latitude Low Rate Personal Loan (Unsecured)
10.99% (fixed)
12.21%
$20,000
2 to 7 years
$13
$250
You'll receive a fixed rate of 10.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.
Pepper Money Unsecured Fixed Rate Personal Loan
From 9.99% (fixed)
9.99%
$5,000
1 to 7 years
$0
$0
You'll receive a fixed rate between 9.99% p.a. and 27.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no monthly or application fees.
NAB Personal Loan Unsecured Fixed
Headline rate 13.49% (fixed)
14.36%
$5,000
1 to 7 years
$10
$150
You'll receive a fixed rate between 11.49% p.a. and 18.99% p.a. based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years.
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
NOW FINANCE Personal Loans
From 8.95% (fixed)
10.56%
$5,000
1.5 to 7 years
$13
$495 (Based on $10,000)
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.
Australian Military Bank Fixed Rate Personal Loan
From 7.93% (fixed)
8.77%
$1,000
1 to 5 years
$10
from $100 to $500
You'll receive a fixed rate between 7.93% p.a. and 18.87% p.a. based on your risk profile
An unsecured loan with a low minimum borrowing amount and flexible repayment options.
CUA Unsecured Fixed Rate Personal Loan
11.99% (fixed)
12.25%
$5,000
1 to 7 years
$0
$175
You'll receive a fixed rate of 11.99% p.a.
An unsecured loan from $5,000 with no monthly or establishment fees and flexible repayments.
CUA Discount Fixed Personal Loan (Loans over $30,000)
10.99% (fixed)
11.25%
$30,000
1 to 7 years
$0
$175
You'll receive a discounted fixed rate of 10.99% p.a.
Receive a discounted rate for borrowing over $30,000 and benefit from features such as no monthly fees and flexible repayments.
St.George Unsecured Personal Loan - Fixed Rate
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$12
$0
You'll receive a fixed rate between 12.99% p.a. and 19.99% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes. Note: $195 establishment fee waived if you apply before 20 December 2018.
RACQ Bank Unsecured Personal Loan
12.95% (variable)
13.25%
$3,000
5 years
$0
$200
You'll receive a variable rate of 12.95% p.a.
A low minimum borrowing amount of $3,000 that you can use for a range of purposes. Benefit from member discounts and flexible repayments. Only available to QLD residents
MyState Bank Unsecured Personal Loan
12.99% (variable)
16.42%
$3,000
1 to 7 years
$10
$200
You'll receive a variable rate of 12.99% p.a.
Apply for up to $50,000 and benefit from features such as fast approval, free online redraws and no penalties for early repayment.
ANZ Variable Rate Personal Loan
15.99% (variable)
16.84%
$5,000
1 to 7 years
$10
$150
You'll receive a variable rate of 15.99% p.a.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
NAB Personal Loan Unsecured Variable Rate
Headline rate 12.69% (variable)
13.56%
$5,000
1 to 7 years
$10
$150
You'll receive a variable rate based on your risk profile. The headline rate is 12.69% p.a.
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility.
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$0
$175
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
CUA Discount Variable Personal Loan (Loans over $30,000)
10.89% (variable)
11.15%
$30,000
1 to 7 years
$0
$175
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
Australian Military Bank Variable Rate Personal Loan
From 7.88% (variable)
8.72%
$1,000
1 to 7 years
$10
from $100 to $500
You'll receive a variable rate between 7.88% p.a. and 18.82% p.a. based on your risk profile
An unsecured loan with flexible repayment options and a low minimum borrowing amount.
Pepper Money Unsecured Variable Personal Loan
From 9.99% (variable)
9.99%
$5,000
1 to 7 years
$0
$0
You'll receive a variable rate between 9.99% p.a. and 27.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make extra repayments and repay early at any time.

Compare up to 4 providers

Updated December 16th, 2018
Name Product Maximum Loan Amount Term of Loan Cash Deposited In Costs Fornightly Repayment (for $1500 Loan)
$2,000
9-15 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
$396
A small loan up to $2,000 that you repay over 9-15 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
$2,000
Up to 2 years
3 hours - conditions apply
47.8%
$316.7
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.
$2,000
62 days to 1 year
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
$396
A loan up to $2,000 with terms up to 62 days to 1 year. Centrelink cannot be your primary source of income.
$2,000
6-12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
$396
Credit24 offers this loan up to $2,000 and gives you 12 months to repay.
$2,000
3-12 months
1 business day
Establishment fee from 10% of loan amount + monthly fee from 2%
$354
A small loan between $500 and $2,000 that can be funded in 24 hours.
$2,000
6 to 12 months
Overnight
20% of loan amount + 4% of loan amount each month
$396
A short-term loan from $500 that you can have up to 12 months to repay. All credit histories considered.

Compare up to 4 providers

Loans that can be used for dental work:

    payday-warningDo you really need a loan today?*

    It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

    Check your options before you borrow:

    • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
    • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
    • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

    How do dental loans work?

    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 you choose, you may be able to borrow as little as $100 or as much as $50,000.

    Generally, the higher your loan amount, the longer you have to pay it back. Loan terms vary from between 16 days to around seven years. Or, if you opt for a credit card, you can take as long as you like to pay it back.

    How much does dental work cost?

    Most people know dental work can be expensive, but just how much can a visit to the dentist cost? For diagnostic a 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, you’re looking 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. If you have three kids that need braces, well - you do the math.

    What types of loan options do I have for dental work?

    Before applying for a dental loan, it's important to know what type of loans are available to you. If you’re looking at getting dental loans then you have a few options open to consider:

    • Secured loan. A secured personal loan is usually used to finance a car purchase, but there are lenders who will let you make other purchases with this type of loan. You will need to attach an asset that is of equal or greater value than the loan amount to the loan that the lender will repossess in case you default. Secured loans often come with lower rates because the lender is taking less of a risk.
    • Unsecured loan. This type of loan does not require you to use any type of asset as a guarantee, but as such may come with higher rates because the lender is taking on a bigger risk. With unsecured loans you can usually borrow between $1,000 and $50,000 and can use the loan amount for any purpose you want.
    • Short-term loan. These loans, also called payday loans, are usually for amounts between $100 and $5,000 and may be an option if you need finance for emergency dental surgery. Payday lenders usually offer quick turnaround time, with some lenders able to send you your loan amount within 60 minutes. Keep in mind that the the repayment period is quite short, usually between 60 days and one year.
    • Line of credit or overdraft. A line of credit or overdraft is where the bank allows you to overdraw your account up to a certain limit. You are able to redraw anywhere up to and including this limit and then repay it over time at a fixed rate of interest.
    • Credit card. You also have the option of using your credit card to pay for dental work. Depending on the limit of your card you may be able to cover the costs of surgery or any other visits or check-ups. Just keep in mind that the rate of interest on your credit card is likely to be higher than the rate of interest offered by other personal loans, and with no set repayment period you may fall into debt if you do not keep on top of your payments.
    • Specialist dental loan. There are some lenders that offer loans tailored to dentistry and can help you finance a range of procedures. Specialist loans include payment plans through your dentist as well as third-party providers.

    How you can compare your dental loan options

    Here are some questions to ask yourself that will help you come to a decision:

    • What repayments can I afford? Depending on whether the rate being offered is fixed or variable, you should be able to work out a rough idea of what your repayments will be based on the loan’s interest rate and ongoing fees. See if this repayment will work with your budget.
    • How much do I need to borrow? Lenders place restrictions on how much you can borrow with certain loan products, so check to see their minimum and maximum loan amounts before you apply. Keep in mind you may not be approved for the full amount you want, regardless of whether it’s below their maximum amount offered, as this will depend on your income and credit history.
    • When do I need the money? Different lenders will offer different turnaround times, so it might be worth talking to the lender to find out when could expect to be approved before you apply. If you need money quickly, you might want to consider a payday loan, or check to see if your bank offers same-day loans for existing customers.
    • What is my credit history like? If you have any negative marks on your credit file, you will be restricted as to what kind of finance you can access. Check the eligibility criteria offered by lenders, or you may want to consider a payday lender.

    Can I withdraw my super to pay for emergency dental work?

    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 you access your super, consider the other options you have available.

    How you can apply for a dental loan

    The application process will differ depending on the lender you apply with, as will the eligibility criteria. Click through to review pages on finder.com.au to find out what eligibility criteria is set by the 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.

    Picture: Shutterstock

    Was this content helpful to you? No  Yes

    Related Posts

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    6 Responses

    1. Default Gravatar
      KathrynJuly 25, 2017

      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?

      • finder Customer Care
        RenchJuly 28, 2017Staff

        Hi Kathryn,

        Thanks for reaching out to us.

        You can check this page 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

    2. Default Gravatar
      annaOctober 11, 2016

      I need dental loan of $600 for Thursday 12/10

      • finder Customer Care
        ElizabethOctober 11, 2016Staff

        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

    3. Default Gravatar
      JoanneSeptember 3, 2016

      I would like to get a loan to get my theeth fixed please thank you

      • finder Customer Care
        ElizabethSeptember 5, 2016Staff

        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 them on this page.

        Hope this helps,

        Elizabeth

    Ask a question
    Go to site