Important disclosure

Compare Dental Loans in Australia

Avoid the agony of paying upfront for expensive dental treatments. Find and compare dental loans below. Next, use our dental loan calculator to find affordable repayments that keep your budget smiling.

Compare dental loans for

Loan Amount

$10,000

Term

3 months

Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!
ANZ

ANZ Variable Rate Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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What type of loan are you looking for?

man sitting on a dentist chair smiling

Dental loans in Australia – Space out your treatment costs

Dental visits can be nerve-racking, but to add insult to injury, you might find yourself getting slapped with a costly bill. However, the results can be well worth it. Whether it’s a cosmetic procedure, an emergency treatment, or overdue work, a visit to the dentist can improve your oral health and appearance. But if the price is too steep for your pocket, and insurance is off the table, dental loans could offer suitable financing options.

In this guide, BestFind gives you the lowdown on dental loans in Australia and finding an option that suits your needs.

What’s a dental loan?

At the core of it, a dental loan is personal loan money that you hand over to your dentist or dental specialist in exchange for any services rendered. Going by statistics from the Australian Dental Association and Orthodontics Australia, a dental visit can cost anywhere from $22.00 to $15,000. Generally, dental loans are an important financial crutch for many Aussies who find themselves overwhelmed with hefty dental charges, particularly where multiple visits or many heads per family are involved.

Instead of scrambling around to cover the upfront costs or the shortfall after insurance has paid, one can simply apply for a personal loan.

How do dental loans work in Australia?

When you need a dental loan, you borrow money from a finance provider, usually a bank, credit union, online lender, or P2P lender. Lump sums on offer typically range from $100 up to $50,000. You then repay the debt over a loan term of 12 months up to 7 years. When applying for a dental loan, you’ll be looking at two main types:

  • Secured. The lump sum is backed by property you own. Secured personal loans come with lower rates since the lender can claim the property if you default.
  • Unsecured. Unsecured personal loans require no collateral. Although they have higher rates because they’re riskier for lenders, they tend to be the most common dental loan option.

What will a dental loan pay for?

Dental personal loans are flexible enough to finance a wide range of treatments, including:

  • General work, for instance, fillings, extractions, and root canals.
  • Cosmetic procedures, such as dental implants, teeth whitening, and veneers.
  • Orthodontic treatments like braces and aligners.

Are there any other options for financing dental procedures?

  • Dental payment plans. Some dentists allow you to pay for treatment bit by bit. This in-house arrangement may be offered directly by the dentist, or they might partner with a third party. Usually, you have an introductory interest-free period in which to settle your debt. But you might still have to pay fees or a deposit if you opt for this plan.
  • Specialist loans. You can also find some Australian lenders offering personal loan products that have been customised to match the dental finance needs of borrowers. The lender might even link you up with several dental practices they partner with.
  • Credit cards. Credit cards are useful up to a specific limit and if they have a low promotional rate. Generally, credit card rates are far less attractive than personal loan rates.
  • Buy now, pay later. Some practices accept payments through ‘buy now, pay later’ services from providers like Afterpay and Zip Pay.

How to compare personal loans for dental work

Track down a dental loan that suits your needs by considering the following:

  • Borrowing costs. Finance costs determine how much you end up paying to the lender. Look at the interest rate and any applicable fees. Most dental loans have fixed interest rates, but a variable rate might also be available.
  • Monthly repayments. To make sure you’re biting off only what you can chew, use our dental loan calculator to work out an affordable repayment amount. This amount should ideally be in line with your budget.
  • Extra repayments. These help you clear your debt faster so you can save, especially if there are no penalty fees. You can also choose an option that allows you to take back your extra repayments (redraw facility).
  • Lender’s requirements. Credit providers have different requirements for credit scores and income. These can affect whether your application gets approved, how much you borrow, and the rate you get.
  • Speed of service. How soon will the money drop into your account? If it’s an emergency or urgent situation, check the lender’s response time before applying.

How to apply for a dental loan online

Scroll up to the top of the page and compare top dental loans using our product table. Once you have a winner, click “Go to Site” to visit the finance provider’s application page. General requirements for dental loans include:

  • Minimum age of 18 years
  • Australian citizenship or permanent residency
  • Proof of income and address.

Dental loan FAQ

Will applying for a dental loan affect my credit score?

Australian lenders carry out credit checks when assessing your application. These, in turn, impact your credit rating and credit report. Therefore, it’s best to limit applications unless it’s for a soft credit check, which allows you to view the terms of the loan before you accept.

Can I finance overseas dental work?

Personal loans generally come with little restrictions in terms of how you use them. Therefore, you should be able to finance any work done outside Australia.

I have bad credit. Can I get a dental loan?

Yes, but bad credit personal loans typically come with higher interest rates.

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