Best Payment Plans for Dental Work in Australia (2025 Guide)

Best Payment Plans for Dental Work in Australia (2025 Guide) Sundial Dental Port Macquarie

If you've been putting off dental treatment because of the cost, you're not alone — and you're not without options. In Australia, there are multiple payment plan solutions that can help make dental care affordable and accessible, even for major procedures like implants, crowns, or full-mouth rehabilitation. At Sundial Dental, we believe financial stress should never stop you from having a healthy, confident smile. Here’s a breakdown of the best dental payment options available right now.

1. Interest-Free Dental Payment Plans

Many dental clinics — including Sundial Dental — offer interest-free payment plans through third-party providers or in-house financing.

Popular Providers Include:

- Humm

- Zip Pay / Zip Money

- Afterpay (for smaller treatments)

- DentiCare (practice-managed payment plans)

These plans typically allow you to:

- Start treatment immediately

- Pay in weekly or fortnightly instalments

- Spread payments over up to 12–24 months

- Avoid credit checks in many cases

Example: $2,000 treatment = $83/week over 6 months

2. Accessing Superannuation for Major Dental Treatment

Under Australian law, you may be able to access your superannuation early to pay for major dental work if:

- The treatment is medically necessary (e.g. infections, pain, severe decay)

- You cannot afford the treatment without financial hardship.

This is commonly used for:

- All-on-4 or full mouth implants

- Major extractions and dentures

- Full smile makeovers.

At Sundial Dental, we assist patients with the application process through the ATO and your GP, making it as smooth and fast as possible.

3. Personal Loans for Dental Treatment

If you need longer repayment terms, a low-interest personal loan from your bank or lender can be an option. While it does involve credit checks and interest, the repayment terms can be longer (up to 5 years), which may make large treatments more manageable.

Compare options from:

- Your current bank

- NAB, CommBank, ANZ, and others

- Comparison sites like Finder or Canstar

4. Health Fund Rebates and Gap Plans

If you have private health insurance with extras cover, you may be eligible for rebates on:

- Exams, cleans, x-rays- Fillings, extractions

- Crowns, root canals, dentures

Some funds offer “No Gap” dental services [Sundial Dental is part of HCF'S 'No Gap' program] , which may cover preventative care in full — though cosmetic and implant procedures are usually excluded.

5. Staged Treatment Planning to Spread Out Costs

Not every treatment has to be done all at once. In many cases, we can create a phased treatment plan to prioritise urgent work now, and complete other procedures over months (or even years).

At Sundial Dental, this is a common strategy we use with patients to:

- Handle the most critical issues first (pain, infection)

- Plan restorations or cosmetic work when finances allow

- Provide flexibility with no added pressure

Payment Plans Available Across Our Clinics

Sundial Dental offers payment options across all four of our clinics:

- Port Macquarie

- Taree

- Laurieton

- Wauchope

We treat every patient with respect — and that includes being honest and flexible about costs. We’ll walk you through all your options, including payment plans, super access, and staged treatment plans to fit your situation.

Ready to Talk Through Your Options?

Whether you need a single filling or a full smile restoration, we’re here to help you move forward — without breaking the bank. Call us on (02) 6583 3533Or book an appointment online at https://www.sundialdental.com.au

We’ll help you find the best payment plan for your dental needs — with transparency, no pressure, and a genuine desire to see you smile again.