Dental Loans

What is a Dental Loan?

A dental loan in Australia is a personal loan used specifically to cover the cost of dental treatment – from routine check-ups and fillings through to major procedures like implants, veneers or orthodontics. Because Medicare doesn’t cover most dental work, Australians are largely left to foot the bill themselves.

Dental loans are unsecured, meaning no assets or collateral are required to be approved. Once the loan is approved, the funds are deposited directly into your bank account. You pay the dentist directly, just as you would with any other expense – the only difference is you’re not paying it all at once.

At City Finance, applications for personal loans for dental work can be made 24 hours a day, seven days a week. Whether your need is urgent or planned, the process is the same: apply online, get a decision fast, and receive your funds within 60 seconds if approved.

We offer dental loans of $500 to $10,000, and you can customise your loan length anywhere from 12 to 52 weeks. You also have the ability to choose whether you’d prefer to make weekly, fortnightly, or monthly repayments and this can be organised as a direct deposit on your pre-agreed repayment date.

Different Types of Dental Loans

City Finance offers two dental loan products depending on how much you need to borrow. Both come with no early repayment fees, flexible repayment schedules, and transparent fees disclosed upfront.

The first is a smaller loan that works well for smaller expenses, like a check up, cleaning or quick filling. The second type of car repair loan we offer is ideal for applicants who have more costly treatment in mind for their teeth, like veneers, multiple fillings or a deep root canal.

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.

Dental Loans for Bad Credit – We Look Beyond the Score

A less-than-perfect credit history shouldn’t stand between you and necessary dental work. City Finance offers dental loans for bad credit applicants, assessing each application based on your current circumstances – not just a number from your past.

When you apply for dental loans with bad credit through City Finance, our team looks at what matters: your income, your expenses, and whether the repayments are manageable for you. If you have a steady income – whether that’s wages, Centrelink payments, or a pension – there’s a real chance we can help.

We lend to pensioners, Centrelink recipients, and people who have been turned away elsewhere. Dental care shouldn’t be a luxury reserved for people with perfect credit files.

Am I Eligible for a Dental Loan?

The short answer is probably yes. At City Finance, we’re known for our flexible criteria for our loan applicants.

Unlike some other lenders, we don’t have lengthy application processes that require a tonne of documents and long waiting times. Our requirements are pretty simple; we need our applicants to be 18 years or older, be able to show proof of income (which can be wages or government benefits) and be able to provide a few pieces of supporting documentation (more details below).

If you’re unsure of your eligibility please feel free to reach out to our customer service here.

What Supporting Documents and Information Do We Need to Process Your Dental Loan Application?

At City Finance, the process of applying for a dental loan is simple. We don’t need a bunch of different documents; all we require is the following:

1. A copy of your ID
2. A short application form with details such as your address and phone number
3. Proof of your income (either wages or Centrelink benefits)
4. 90-day history of bank transactions

That’s it. No dentist quotes or credit check that can affect your score before you even apply. If you’re unsure whether you’d qualify, reach out; we’d rather answer the question for you than have you wondering.

Why Choose City Finance for a Personal Loan?

At City Finance, we believe everyone deserves access to quality dental care, no matter their credit history. Our dental loan Australia options let you borrow from $500 to $10,000 with same‑day funding* so you can tackle urgent treatments or cosmetic upgrades without delay. 

• Same-day funding in most cases – apply today, pay the dentist today
• Borrow from $500 to $10,000 with transparent, upfront fees
• No early repayment fees – pay it off faster if circumstances change
• Dental loans bad credit applicants are genuinely considered
• Centrelink and pension income accepted
• Automatic direct debit – no manual transfers, no missed payment risk
• Repayments set to match your pay cycle

What Dental Procedures Can I Use a Personal Loan For?

Dental visits are neither fun nor cheap, however they are an important part of life! If a tooth problem is left too long, it can cause major damage to your mouth, and end up costing a lot more down the road.

Loans for dental work through City Finance can cover any procedure – preventive, restorative, cosmetic or emergency. Here are some of the most common reasons Australians apply:

Root canal

An average root canal in Australia costs between $2,000 and $3,400 without a crown, and even with private health insurance, the gap can be substantial. If it’s urgent, you don’t have the luxury of waiting. A personal loan for dental work means you can get it done straight away and repay the cost gradually.

Braces and orthodontics

A huge percentage of people get braces at some point in their lives. Whether it’s for yourself or your kids, braces represent a significant outlay – often $5,000 to $8,000+ for a full treatment. Loans for dental work can cover the initial deposit or the entire course of treatment, letting you spread the cost across manageable weekly or fortnightly repayments.

Teeth whitening

Professional whitening is one of the simpler and more affordable cosmetic procedures, but it still costs several hundred dollars at a dental practice. If the timing is wrong for your cash flow, dental loans can comfortably cover it with a smaller SACC amount.

Veneers

In recent years, cosmetic veneers have become extremely popular. They are a way to instantly create a perfectly straight and white smile. Porcelain veneers cost around $1,300 per tooth on average in Australia. For a full smile makeover, that adds up fast. A personal loan for dental work gives you access to the funds upfront so you can proceed with treatment rather than waiting years to save the amount.

Dentures

The majority of elderly people will require dentures at one point or another. As we grow older, teeth deteriorate, and dentures are a great replacement option. Full or partial dentures can cost between $1,500 and $4,500, depending on complexity. Dental practice payment plans often come with their own interest and terms. A dental loan in Australia through City Finance gives you more control; borrow the amount you need and repay on your own schedule.

Emergency dental work

Chipped teeth, knocked-out teeth, abscesses, broken crowns – dental emergencies don’t give you time to save up. City Finance’s same-day funding means that when you need to see a dentist urgently, the money isn’t what holds you back.

Dental X-rays and check-ups

A first visit to a new dentist, a full mouth x-ray series, or an overdue check-up can all cost more than expected, especially if treatment is identified on the day. Loans for dental work don’t have to be for major procedures. If the bill is catching you off guard, a smaller personal loan for dental work can cover it.

Is a Dental Loan Right for You?

Dental loans in Australia make the most sense when the cost is real, the timing isn’t flexible, and the alternative is putting your oral health on hold. If you’re facing a procedure you can’t delay and you don’t have access to the required funds, a personal loan for dental work is a practical way to bridge the gap.

Before applying, it’s worth thinking through the repayment amount and whether it fits comfortably into your regular budget. Our team will work through this with you as part of the application process. We’re not here to put you in a loan that causes stress; the idea is to take it away.