Invisalign finance options

Consultations, X-rays, and supplementary treatments are some of the other costs you'll need to consider.

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Invisalign can help to straighten your teeth while being less noticeable than traditional braces. Although Invisalign can be more expensive than braces. A personal loan can help you cover the costs and spread out the repayments over several years.

Find out how to cover the costs and compare your options now.

How much does Invisalign cost?

The cost of Invisalign treatment will vary by the individual case, but you may generally expect to pay anywhere from $4,500 for basic treatment up to $9,000 for full treatment. The overall cost of treatment is determined by the following:

  • The complexity of the treatment you require
  • The length of time you are in treatment
  • The provider you choose to perform the treatment

You may also need to pay for any additional consultations with your doctor, as well as things like X-rays or supplementary treatments.

Compare personal loans

Alex Bank Personal Loan

Alex Bank Personal Loan

From

4.99 % p.a.

fixed rate

From

4.99 % p.a.

comparison rate

  • Low interest rate from 4.99% p.a.
  • No manual paperwork
  • Use for various purposes
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100% confidential application

Alex Bank Personal Loan

Alex offers personal loans with a variable interest rate from 4.99% p.a. No manual paperwork needed.

  • Interest rate: 4.99% p.a.
  • Comparison rate: 4.99% p.a.
  • Interest rate type: Fixed
  • Application fee: $0 (Waived $295 establishment fee)
  • Minimum loan amount: $2,100
  • Maximum loan amount: $30,000
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Promoted
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Alex Bank Personal Loan

From 4.99% (fixed)
4.99%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 4.99% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 3 November 2021.
OurMoneyMarket Personal Loan

From 5.45% (fixed)
6.07%
$2,001
1 to 7 years
From $250
$0
You'll receive a fixed rate from 5.45% p.a. to 20.99% p.a. based on your risk profile.
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

⭐ Finder Exclusive: Apply before September 30th 2021 to secure a discounted rate of 5.45% p.a. (comparison rate: 6.07% p.a.) for the first 12 months on loans over $35,000. T&Cs apply.
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

⭐ Finder Exclusive: Apply and settle a NOW Finance debt consolidation loan via Finder by 30 September 2021 for your chance to win $2000 paid off your debt. T&Cs apply.
Plenti Personal Loan

From 6.39% (fixed)
6.39%
$5,000
3 to 7 years
$0 to $999
$35
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile.
A flexible loan with amounts from $5,000 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Harmoney Unsecured Personal Loan

From 5.35% (fixed)
6.14%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10

You'll receive a variable rate from 5.75% p.a. to 25.99% p.a.

Borrow up to $50,000 and earn 1 Qantas Point for every $1 borrowed.

⭐Special Offer: Earn up to 50,000 Qantas Points with a personal loan from Symple.
Wisr Personal Loan ($5,000 to $30,000)

From 6.49% (fixed)
6.49%
$5,000
3 to 7 years
$0 - Waived Establishment Fee
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.

⭐Special Offer:The $595 establishment will be waived for unsecured personal loans between $5,000 and $30,000. Offer ends 30 September 2021. T&Cs apply.
Wisr  Personal Loan ($30,001 to $64,000)

From 6.49% (fixed)
7.11%
$30,001
3 to 7 years
$595
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $30,001 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
ANZ Fixed Rate Personal Loan
8.99% (fixed)
9.88%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 8.99% p.a. with a comparison rate of 9.88% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

⭐Special Offer: Secure a reduced interest rate of 8.99% p.a. for a limited time only. Apply for up to $50,000 to use for a variety of purposes without needing to add security.
SocietyOne Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
2 to 5 years
from $0 to $595
$0
You'll receive a fixed rate between 5.95% 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.
Great Southern Bank Unsecured Fixed Rate Personal Loan
9.39% (fixed)
9.64%
$5,000
1 to 7 years
$175
$0
You'll receive a guaranteed rate of 9.39% p.a. with a comparison rate of 9.64% p.a. if you're approved.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
MoneyMe Personal Loans

From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
6.39%
$5,000
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 6.39% p.a and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $5,000 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
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How can I pay for Invisalign?

Insurance

Before comparing other finance options, it is worth checking whether your insurance plan covers treatments such as Invisalign or similar orthodontic procedures. If you are unsure whether you'll be covered, contact your insurance provider to confirm and talk to your orthodontist to get an estimate of the cost of treatment, so you know what you'll need to pay.

Payment plan

Your orthodontist may offer payment plans that let patients cover the cost of their Invisalign treatment over a series of payments. Some plans will not charge interest on these payments, but others may require that you pay interest, as well as undergo a credit check, which can affect your credit rating. In this case, it may be better to consider other finance options to ensure you get the most competitive rate.

Personal loan

Depending on the cost of your treatment and your own financial history, an unsecured personal loan could be a suitable finance option for your Invisalign treatment. Most personal loans can be used for any worthwhile purpose, which includes medical treatment, and you can generally borrow from $2,000 to $50,000.

You could also look at getting a medical loan or a short-term loan. Please note that short-term loans generally have higher interest rates than regular personal loans, and you will be required to repay the loan over a much shorter period.

Savings

If you don't want to get a loan and have enough saved up, you may choose to simply cover the cost of your Invisalign treatment using your existing savings.

Credit card

Think you'll be able to pay off your debt within the next year and have good credit? Consider taking out a new credit card to pay for Invisalign. Many come with interest-free promotional periods from six to 18 months, making it a flexible, low-cost financing option.

However, make sure you pay off your balance before the promotional period is up. Credit cards tend to come with higher interest rates than personal loans. And without a structured repayment plan, it can be tempting to let that interest add up.

Compare and apply for credit cards

What are my other treatment options?

Invisalign isn't the only way to straighten your teeth as an adult. If you're concerned about the cost, check out these alternatives:

  • ClearCorrect. ClearCorrect is similar to Invisalign – it's a plastic tray that you can put in and remove from your mouth to eat or brush your teeth. It can also be cheaper, usually ranging from $3,000 to $7,000.
  • Your Smile Direct. If your teeth don't need much work, Your Smile Direct offers upper and lower arch braces to you from $2,599. You can either book a scan with a registered dentist or use a home kit to create an impression of your teeth and have your braces delivered.

5 tips to get the most out of Invisalign

  1. Wear your aligners. Invisalign isn't going to be much help if you don't wear them the recommended 22 hours a day. If you wear them 19 hours or less, add on about two more weeks to your original schedule.
  2. Keep them clean. There's a lot going on in your mouth when you're wearing Invisalign. While it's always important to brush and floss your teeth, you'll also want to clean your aligners with warm water and antibacterial soap to keep germs away.
  3. Use chewies. Chewies are small soft plastic-like cylinders that you can use to make sure a new aligner fits tight against your teeth. Making sure your Invisalign is on properly can speed up the time it takes to straighten your teeth.
  4. Practise speaking. Aligners can give you a slight lisp until you're used to speaking with them in. The more you practise speaking with close friends or family, the more comfortable you'll be wearing them all day.
  5. Listen to your orthodontist. Not everyone needs to wear aligners for the same period of time. Go in for regular appointments and listen if they say you need to wear an aligner for a few more days before moving on to the next.

Frequently asked questions

Do I have to pay for Invisalign up-front?

Not necessarily. If your orthodontist offers payment plans, you can pay for your treatment in instalments over a fixed period of time. Or, you could use a personal loan or credit card to break up your repayments into more manageable amounts. However, you'll likely pay interest and fees, which costs you more in the long run.

Can I get Invisalign financing with bad credit?

You can, though you have less options than your good-credit counterparts. If your orthodontist offers instalment plans, ask if they check credit first. Otherwise, you could end up paying high interest rates and fees – if you're able to qualify for financing at all.

Picture: Shutterstock

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Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% 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.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% 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.

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