Looking to get Invisalign? Compare your finance options

See the ways you can pay to improve your smile

If you're unhappy with how your teeth have turned out, clear-aligner treatments like Invisalign may help to correct your teeth without the intrusiveness of traditional braces.

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

ANZ Fixed Rate Personal Loan

ANZ Fixed Rate Personal Loan

12.45 % p.a.

fixed rate

13.32 % p.a.

comparison rate

  • Low ongoing fees
  • Flexible repayment options
  • Borrow up to $50,000
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ANZ Fixed Rate Personal Loan

This competitive unsecured fixed rate personal loan from ANZ is suitable for a range of uses. Apply for up to $50,000.

  • Interest rate: 12.45% p.a.
  • Comparison rate: 13.32% p.a.
  • Interest rate type: Fixed
  • Application fee: $150
  • Minimum loan amount: $5,000
  • Maximum loan amount: $50,000
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Rates last updated March 20th, 2019
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Product Description Monthly Repayment
ANZ Fixed Rate Personal Loan
12.45% (fixed)
13.32%
$5,000
1 to 7 years
$150
$10
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.
Westpac Unsecured Personal Loan
11.99% (fixed)
13.15%
$4,000
1 to 7 years
$250
$12
You'll receive a fixed rate of 11.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts. Note: Listed rate of 11.99% p.a. includes a 1% discount available if you apply and are approved before 21st March, 2019.
Citi Personal Loan Plus
From 8.99% (variable)
9.96%
$5,000
3 to 5 years
$199
$10
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.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$250 (Loans under $4000 - $140)
$13
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.
RateSetter Unsecured Personal Loan - 3yr Fixed
From 7.91% (fixed)
9.92%
$2,001
0.5 to 5 years
$299
$0
You'll receive a fixed rate from 7.91% 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.
Latitude Low Rate Personal Loan (Unsecured)
10.99% (fixed)
12.21%
$20,000
2 to 7 years
$250
$13
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.
NOW FINANCE Personal Loans
From 8.95% (fixed)
10.56%
$5,000
1.5 to 7 years
$495 (Based on $10,000)
$13
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. Note: Get your loan approved and settled before 31 Mar 2019 and receive a $100 gift card.
St.George Unsecured Personal Loan - Fixed Rate
From 11.99% (fixed)
13.07%
$2,000
1 to 5 years
$195
$12
You'll receive a fixed rate between 11.99% p.a. and 18.99% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes. Note: Listed rate of 11.99% p.a. includes a 1% discount available if you apply and are approved before 31st March, 2019.
NAB Personal Loan Unsecured Fixed
Headline rate 12.69% (fixed)
13.56%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 10.69% p.a. and 18.69% 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.
RACQ Bank Unsecured Personal Loan
12.95% (variable)
13.25%
$3,000
5 years
$200
$0
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
ANZ Variable Rate Personal Loan
15.99% (variable)
16.84%
$5,000
1 to 7 years
$150
$10
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.
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.
NAB Personal Loan Unsecured Variable Rate
Headline rate 12.69% (variable)
13.56%
$5,000
1 to 7 years
$150
$10
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.

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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*
Citi Personal Loan Plus

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.

Westpac Unsecured Personal Loan

You'll receive a fixed rate of 11.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts. Note: Listed rate of 11.99% p.a. includes a 1% discount available if you apply and are approved before 21st March, 2019.

ANZ Fixed Rate Personal Loan

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)

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.

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