Dental Loans To Keep Your Pearly Whites Sparkling

Dental loans could be the financial boost you need to take care of your oral health. With lenders offering up to $10,000 at your fingertips, Monzi could be your new best friend (after your dentist).

Dental health Australia

Nowhere in Australia is the divide in health between rich and poor, rural and urban, more prevalent than in dental health.

In fact, The Australian Institute of Health and Welfare identified the four priority groups of Australians with the greatest risk of poor oral health:

  • Socially disadvantaged or low-income people.
  • Aboriginal and Torres Strait Islanders.
  • People living in regional or remote Australia.
  • People with specialised health care needs.

What causes poor dental health?

A myriad of different factors may lead to the degradation of your oral health. The Australian Institute of Health and Welfare (AIHW), however, has outlined a few of the leading reasons:

  • Consumables (sugar, tobacco and alcohol).
  • Lack of oral hygiene as well as regular dental check-ups.
  • Lack of fluoride in some water supplies.
  • Accessibility of dental services.

In addition, our teeth naturally deteriorate with age. However, the modern diet and lifestyle may be speeding this process up.

Why is it so important?

Excessive decay can cause major oral health issues. In addition, tooth loss can obviously reduce the functionality of the mouth. However, apart from the effects to one’s mouth, there are also links between poor oral health and chronic diseases, including:

  • Cardiovascular disease
  • Oral cancers
  • Diabetes
  • Stroke
  • Adverse pregnancy outcomes
  • Lung conditions

Lastly, dental disease can also impact a person’s appearance and speech. This can, in turn, impact a person’s self-esteem and a reduction of their participation in school, in the workplace or at home.

For more information regarding the causes and impact of poor oral health, visit the Australia Institute of Health and Welfare.

How do you pay for the dentist?

Australians without private health may be required to pay for their dental costs out of their own pocket. This can, especially, become difficult if you are on a low income. After all, just a check-up at the dentist may cost up to a hundred dollars.

This is a reason why so many Aussies forgo trips to the dentist; it is simply unaffordable.

This is especially evident in a 2016 report by AIHW. The report found that 44% of people without insurance, as well as 20% of people with insurance, avoid going to the dentist because of the high costs.

What is one meant to do, then? Should you just put off going to the dentist until you have enough money? Your health should always be your number one priority. In addition, even if you need a financial helping hand, you still may have options available to you.

Household expenditure

AIHW released data showing the average weekly spend of Australian households on dental fees in 2015 – 16.

The below table shows the report’s findings for the four largest Australian states by population.

StateAverage weekly expenditure ($)

Note, ACT was easily the highest spending state or territory, with households averaging a weekly spend of $13.73.

How do you get free dental work?

The Australian Government’s Child Dental Benefits Schedule aims to provide up to $1,000 over two years to cover basic dental services to some children. For your child to be eligible, they will need to meet the following criteria:

  • Aged between 2 and 17 years old.
  • Eligible for Medicare.
  • Getting a particular government benefit, such as Family Tax Benefit Part A.

This benefit can be used to cover various dental procedures, such as fillings, root canal work as well as extractions. You can find more information on the Child Dental Benefits Scheme via The Department Of Human Services.

In addition, if you are over the age of 18, you may be eligible for public health dental services. The Government funds certain public health dental services through a deal with the States and Territories. Finally, you can find out if these public services are provided in your area.

Monzi Loans for dental work Australia

Monzi is a lender-finder that specialises in pairing Australian consumers with potential lenders. More specifically, Monzi works with lenders that may offer personal loans from $300 to $10,000.

Our super-simple application could be completed in minutes. From there, our automated system will scan through different loan products to try and match you with a potential lender. If you’re successfully paired with a lender, they’ll be in touch directly.

Can you get loans for dental work Australia?

Yes! They are called dental loans.

As the name suggests, these loans are designed to cover the expenses incurred at the dentists. After all, Medicare does not cover a lot of dental work. As a result, many patients may need to pay large sums out of their pocket.

Monzi may be able to pair you with a lender who could offer a personal loan of up to $10,000.

What can dental loans be used for?

Dental care loans can be used to cover anything that involves a dentist working on your mouth. Below is a list of some of the most common dental procedures.

  • Fillings.
  • Regular check-up.
  • Pulling a tooth out.
  • Crowns.
  • Surgery or treatment for gum disease.
  • Straightening crowded teeth.
  • Alignment of teeth, bite and jaw.
  • Dental surgery after injury or cancer.

Therefore, you could use your loan to cover any of the dental procedures listed above.

Before applying for dental loans

Consumers should only apply for credit when they are fully aware of what the procedure will involve. Therefore, you may want to ask your dentist the questions listed below.

  • How long does the procedure take?
  • What does the procedure involve?
  • How much will everything cost?
  • What are the risks and benefits?
  • Are there any alternatives?
  • What should I expect post-procedure?

By asking the above questions, you should get a better idea of what to expect from your dental surgery. Therefore, you can apply for the right size of dental loans.

Do dentists accept payment plans?

Yes! Many dentists may accept payment plans. However, it would be best to get in contact with your individual dentist directly to confirm this.

Alternatively, you could use dental loans to cover the cost of the procedure. Then, you will just need to make repayments to your lender. Therefore, this is essentially a payment plan, except you are making repayments to your lender, not to the dentist.

Am I eligible?

Before you can use Monzi’s lender-finder service, you will need to meet the below criteria.

  1. 18 years of age or older.
  2. Australian Citizen or Permanent Resident.
  3. Personal mobile number and email address.
  4. Have been receiving regular income into a personal bank account for at least the last 90 days.

Apply for a dental loan

Monzi’s lender-finder service is simple, streamlined and most importantly, convenient.

You can apply to match with lenders in a few quick and easy steps. Here’s how:

  1. Select your ideal amount and loan terms in the slider.
  2. Complete our 100% online submission form.
  3. Our automated system scans through different lenders.
  4. We’ll aim to give you an outcome quickly.
  5. If we’re successful, your new lender will be in contact directly.
  6. They’ll conduct their own assessment of your application.
  7. If you’re approved they’ll send through a digital loan contract.
  8. If you approve your contract, your lender will begin transferring your funds.

Dental braces loan

Having braces can be one of the more life-changing moments of you could experience. Having your crooked teeth turned straight can often be a huge boost to one’s self-esteem, especially in the awkward teenage years.

Unfortunately, however, many Australians may have to go without. After all, the cost of braces can easily reach up to thousands of dollars. Put simply, many Australians do not have a few thousand dollars spare, even for something as important as braces.

This is where Monzi may be able to play a part. We may be able to pair you with a lender who might offer a personal loan for dental work. In addition, with lenders potentially offering personal loans of up to $10,000, affording braces may be well within your reach.

Case study: Chloe gets braces

Woman smiling thinking about dental loans

Chloe runs her own small cleaning business. Since she was younger, she always wanted to get braces to straighten her front teeth. However, she grew up in regional Australia, and her parents did not have the money to send her to the closest town for braces. Now that she earns her own money, however, Chloe decides to take matters into her own hands.

Because Chloe had a string of credit cards in the past, her credit score wasn’t exactly sparkling. As a result, she decided to use a lender-finder service, to pair her with a lender that may be able to offer a bad credit loan for braces.

Luckily, Chloe is paired with a lender within an hour of applying. From there, her application is approved, and the cash transferred into her account. Chloe’s repayments are then spread over several months, and she is able to comfortably fit the repayments around her regular income and lifestyle.

Dental loans for people with bad credit

Poor credit is the result of a few financial mistakes in one’s past. At Monzi, however, we don’t think poor credit should get in between you and being approved for dental loans.

Therefore, we could possibly pair you with a lender who may still offer you a personal loan. How are we able to do this? Well, through the power of smart technology.

See, when you submit an application through Monzi, we’ll ask you to supply your banking details. By doing this, Monzi is able to access a read-only copy of the last 90 days of your bank statements. We can, as a result, pass this on to potential lenders offering dental care loans.

Potential lenders can, therefore, get a better idea of your current relationship with money. In particular, lenders will look to see you’ve been receiving a regular income, as well as being responsible with whatever other repayments you may have.

So, if you’ve been searching online for loans for dental treatment bad credit, consider Monzi’s lender-finder service.

Can Monzi find dental loans with no interest?

Are you looking for interest free dental loans Australia? After all, who wouldn’t?

Monzi works with a network of lenders who, if they’ve supplied you with a loan, will charge interest. In other words, if you sign a credit contract, the cost of your repayments will include both the principal loan amount as well as any additional fees and charges.

Credit providers will include all fees and charges in the digital loan contract. Therefore it is important to read through your contract thoroughly before agreeing to anything. In short, make sure you are aware of the cost of your loan, including interest rate as well as other charges.

If you read through your contract and are unhappy or unsure of anything, get in contact with your lender. They should be able to walk you through the terms and conditions of the loan. Finally, if you’re unhappy with your contract, you are under no obligation to sign anything.

Declining the loan contract offered to you will not incur any financial cost.

Dental loans no credit check Australia

No credit check loans are popular forms of loans for people with bad credit. Often, consumers with poor credit may feel their credit score is so bad, it will bar them from being approved for a personal loan. This may, however, not always be the case.

Monzi, in short, cannot guarantee whether or not the lender you’re paired with will conduct a credit check. In other words, Monzi cannot confirm whether or not a credit check will be part of a lender’s assessment process.

If a credit check does happen, your credit score may not be the only thing lenders will focus on. They may, instead, be able to focus on your current relationship with money.

Can I apply for dental loans if I’m receiving Centrelink


Monzi’s network of lenders may be able to regard regular Centrelink payments as a form of income. In short, lenders may be happy to consider your application if your Centrelink payments will comfortably cover your everyday expenses as well as the loan repayments.

Keep in mind, you should keep your myGov details handy when you apply.

And if I’m unemployed?

Unemployed Aussies may still be considered for approval.

You will, however, need to be receiving regular Centrelink payments. As we said above, lenders may be able to regard regular Centrelink payments as a form of income.

It is important to note, each lender will have different assessment criteria. At the end of the day, lenders will conduct their own assessment of your application, and grant approval accordingly. Therefore, even Monzi successfully pairs you with a lender, you are not guaranteed approval.

Personal loans for dental work

Monzi wants to help as many Aussies as possible get in touch with the lender they need. With this in mind, we’ve built a network of lenders that may be able to offer a wide range of loan products. Therefore, no matter what kind of dental work you need to cover, Monzi might be able to pair you with the right lender.

The lenders we work with may be able to offer three broad categories of personal loans for dental treatment.

LoanAmount (AUD $)Secured
Small personal loan$300 to $2,000
Medium personal loan$2,100 to $4,600
Large personal loan$5,000 to $10,000

Note, consumers can use their car, motorbike, caravan or boat as security against their loan. Consumers must, however, be the registered owner of the vehicle they wish to use as security.

When will I see my money?

Generally, your lender will only be able to transfer loans once the consumer has approved the contract. As a result, the time you approve your contract may affect when you have access to your loan. For example, if you approve your contract outside of your lender’s normal business hours, your loan may only be transferred the next business day.

In general, however, you could expect to see your loan the same day, or within 24 hours of approving the contract. This does, however, vary between lenders.

Also, keep in mind, if you approve your contract on the weekend, your loan may not be transferred until the next business day. Access to funds is, ultimately, dependent on inter-bank transfer times.

Stress-free repayments

Making repayments on time is easy through Monzi’s network of lenders. Here’s how it works:

  1. You and your lender will reach an agreement on repayment terms.
  2. A direct debit will be set up from your account.
  3. Your repayments will automatically be deducted on an agreed-upon schedule.
  4. Once your debt is settled, the direct debit will stop automatically.

Through a direct debit, borrowers no longer have to worry about manually making repayments themselves. In short, borrowers only need to worry about making sure there is enough money available for each repayment.

I’m concerned I’m going to miss an upcoming repayment

It doesn’t take a lot to derail your budget these days. Juggling your everyday expenses with your loan repayments can be a little tricky if especially if you run into an emergency.

So, if you are going to miss an upcoming repayment because your son needs another trip to the dentist, get in contact with your lender as soon as possible.

Generally, if you give your lender enough notice, they should be able to reschedule your repayment for a contractual fee. After all, most lenders are quite understanding when it comes to things like this.

I’m experiencing hardship

There may be times where your circumstances change dramatically and your ongoing ability to afford your repayments may be diminished. For example, if you lose your job, or if you’re badly injured so you’re no longer able to work. In this event, you may be able to apply for financial hardship.

In general, most credit providers will have a hardship department that deals with these claims. So, if your circumstances change dramatically, get in contact with your lender as soon as possible.

You will be required to submit supporting documentation. This could be in the form of a letter of termination from your work, or a medical certificate. After you submit your claim for hardship, the lender will assess your application.

Finally, if your application is approved, your lender may be able to offer a restructured payment plan.

Why choose Monzi?

By now we’ve established that Monzi’s lender-finder service may be able to make your life a little easier. Beyond that, however, Monzi has a heap of additional benefits.

  • Easy application: Monzi only asks for essential information. Therefore, you may be able to complete and submit our application form in minutes.
  • Loan calculator: our handy loan slider at the top of each page helps consumers get a rough idea of what their loan may cost. However, this is just a guide, and the actual cost of your loan may vary depending on the lender.
  • Fast processing times: once you submit your application on our site, we’ll try to get to work as soon as possible. Moreover, if you apply during normal business hours, you may even receive an outcome within 60 minutes.
  • Online customer support despite being 100% online, Monzi hasn’t lost sight of the importance of real customer support. Therefore, if if you have any questions regarding our lender-finder service, you can chat with a real human at However, if you get in contact outside of our business hours, we will get back to you when we’re in the office.
  • Understanding lenders: over time, Monzi has built up a strong network of trusted lenders. In particular, these lenders understand borrowers are more than a credit score.
  • Flexible personal loans: Aussie consumers can use personal loans to cover almost any personal expense. Therefore, if you can cover anything from car repairs and registration, rental bonds, or even for a holiday.

Responsible lenders

Monzi’s network of lenders take their responsible lending obligations seriously. Australians can be sure a reputable credit provider will lend money responsibly.

Are you ready to meet your new lender? Scroll up to the loan slider and begin.

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You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months


20% upfront establishment fee

+ 4% monthly fee


Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. 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

Loan amount

$2,001 - $4,600


13 months

24 months


48% annual percantage rate

67.41% comparison rate p.a.


Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. 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 with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000


13 months

24 months


21.24% annual percantage rate

48% comparison rate p.a.


Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. 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 with the lender that finances your loan. Click here to see a worked example.