If cost is the only thing holding you back, let's fix that part first. 0% interest options, plans up to $150,000, super release and health funds, all explained simply.
“Very friendly and highly experienced. After my consult, I really felt at ease. Upfront with their costs and process. 5 star”
Five plans, from smaller costs to six figures. All of them start the same way: a written quote, then we help you choose.
Our own in-house plan
Run by us, not a bank. You pay directly from your bank account, credit or debit card, and you only ever pay for the treatment you receive.
Simple, transparent 0% plan
A quick online sign-up through our partner DentiCare, with the fees printed up front and nothing hidden.
Tip: monthly payments mean fewer transactions, so you pay less in fees.
A decision in minutes
Apply in-clinic and get a decision in minutes, with credit limits that reach bigger treatment.
*Humm is a regulated credit product under the National Credit Code. Fees, charges and interest (if applicable) vary by product and loan amount, and all applications are subject to a credit assessment.
The largest, longest plans
Direct-debit plans sized for major treatment, with rates tailored to you and extra payments welcome any time.
To apply you must be over 18, an Australian citizen or permanent resident, earn $25,000+ a year (employed or self-employed), hold current ID, and not be bankrupt or in a Part IX/X agreement.
For smaller treatment
Prefer Afterpay? It works here. Just make sure your account is set up and your limit covers the cost before your appointment.
Availability of payment plans varies by location, so ask us which ones your clinic offers.
The government allows early release of super for medically necessary dental treatment. Approval always comes first, and there are two ways to apply.
SuperCare manage the application from start to finish. You get a dedicated case manager, a telehealth doctor's appointment is arranged for your convenience, and we provide the supporting treatment documents.
If approved, the funds are released directly to you, and treatment starts as soon as they've come through in full.
One-time service fee of $680, refunded if your application isn't approved.
You can also apply independently through the ATO and your super fund, on medical or compassionate grounds. Your GP provides the medical documents, we provide the treatment ones, and if approved the funds are released to you so treatment can start.
Released super is generally taxed 17 to 22% before it's paid, and early release reduces your retirement balance. The ATO sets the eligibility rules and makes the decision. Consider independent financial advice before applying.
Not sure which way fits your situation? Book a consult and we'll talk you through the option that suits your budget, with a clear written quote and no obligation.
Before any plan enters the picture, your fund's rebate comes off at the desk. We claim every registered Australian fund on the spot through HICAPS, so you only ever finance the gap. We're an nib preferred provider and an HCF More for Teeth partner.
Whichever way you pay, these two never move. Everything else gets a written quote after we look.
$249
$399 value save $150
Health fund claimable
$399
$599 value save $200
Health fund claimable
Gap-free with eligible private health cover on the fixed packages. T&Cs apply
It mostly comes down to the size of the treatment. Afterpay suits smaller costs. Our own Bitesize plan covers $2,500 to $25,000 at 0% interest. DentiCare runs 0% plans up to $15,000. Humm gives credit limits up to $50,000 with a decision in minutes, and TLC offers the largest plans, up to $150,000 over as long as 84 months. We'll help you pick at your consult. Availability varies by location.
For Bitesize and DentiCare, yes. No interest is charged, so you only pay back the treatment cost. DentiCare has a one-time $70 sign-up fee and $1.25 per transaction, which we'll show you up front. Humm and TLC can carry fees or interest depending on the product, amount and term, and you'll see the full cost before you sign anything.
Not necessarily. Bitesize uses a soft credit check that has no impact on your credit rating, and TLC's online quote is a soft check too. Humm applications go through a credit assessment. We'll tell you which applies before you apply for anything.
You get a written quote first, then choose a plan. For Bitesize and DentiCare, treatment can start once a 20% deposit is paid, and you pay the rest off in weekly, fortnightly or monthly payments depending on the plan. Nothing starts until you've seen the numbers and said yes.
In some cases, yes. The government allows early release of super for medically necessary dental treatment, and approval always comes first. Our partner SuperCare can handle the application end to end with a dedicated case manager, for a one-time $680 fee that's refunded if you're not approved. Or you can apply yourself through the ATO and your super fund, and we'll provide the treatment documents. Released super is generally taxed 17 to 22%, so it's worth getting independent financial advice first.
Always. After we've looked at your teeth and talked through your options, you get a clear written quote. There's no pressure and no obligation. You decide in your own time.
All of them. If it's a registered Australian health fund, we claim it on the spot through HICAPS, so you only pay the gap. We're an nib preferred provider and an HCF More for Teeth partner. Your rebate comes off before any payment plan enters the picture.
A written quote first, then the plan that fits it. Nothing starts until you say yes.
or call 1800 833 844
