Dental loans

Save more with personal loan rates from 7.99% p.a. (Comparison rate 8.93% p.a.)

Dental loans that give you reasons to smile

Flexible and affordable finance that take care of family dental procedures and more!

Get the right solution to your financial pain

Visiting the dentist is not something that can make anyone’s eyes light up. But the tears that can stream down our face from the throbbing pain or teeth that need straightening can send us rushing into the dentist room. At Savvy we offer flexible repayment plans to help you pay for fillings, extractions, braces, implants, crowns, veneers, gum surgery, root canals and more. Even if you need cosmetic dentistry to help you whiten your smile to boost your confidence we got you covered.

Quick & competitive dental loans

Dental procedures can be expensive in Australia. With 46% of Australians not having some form of private dental insurance it comes as no surprise that some Australians will put off visiting the dentist until the problem becomes worse. There is no need to rob yourself of the care that you need, be it big or small. We offer a range of loans from a suite of top lenders to help you get low rates and flexible repayment plans that won’t leave your wallet feeling lighter at the end of your procedure.

Straightforward finance from the experts

We find personal loan that allows you to borrow the right amount and comes with a low interest rate for your needs

Common questions about dental loans answered

Find answers on how to finance your dental expenses the right way

How long are your repayment terms?

We offer flexible repayments that can be paid in 12 months up to 7 years.

How much will my repayments be?

This will depend on how much you want to borrow and for how long. However, you can use our online calculator to find out how much you will be paying in monthly repayments.

Can I use any medical practitioner?

Yes. We offer financing that can be used for professional medical procedures.

Will I be able to payout the loan early?

Yes. At Savvy we broker loans that allow you to make early payouts with no penalty fees.

Do you offer finance for braces?
Yes. Our loans cover all part or full dental procedures.
Do you lend money to people who are self-employed?

Yes. We can broker competitive rates for people who are self-employed.

Will I be able to access financing even if I have bad credit?

Yes. We offer loans to people who have bad credit to help pay off their dental needs and customers who have just started a new job.

How long does the process take?

Get the same day approval which does not take longer than 24 hours to help you access the finances to suit your dental needs.

Your helpful guides on dental loans

Informative finance guides to help you make an informed decision when it comes to financing your dental procedures

Credit score check up

Not having the right credit score can be a knock to your teeth. Checking your credit score before approaching a lender is important because this will help smoothen the process of you accessing the funds you need. Lenders will look at your score to approve a loan. There are a few lenders that will be reluctant to borrow you the amount you have applied for if you have a low credit score. Seeing if you match the criteria to be approved can help you avoid rejection.

What can delay the process?

There are a few things that you can do that can cause your application to be rejected. For example, if you apply to more than one lender in a short space of time and get rejected by each this will reflect on your credit report which is not good for future borrowing. Lenders will see it as a risk to borrow you the amount you need. Take your time. If you are rejected you can ask your lender for a reason as to why you were rejected, which will help you sort out whatever’s delaying the process.

Credit card or personal loan?

If you find yourself in a situation where you need to sort out an emergency dental procedure you could be tempted to reach for your credit card which might seem convenient at the moment, but a personal loan will likely be the better option in the long term of things. Personal loans come with a lower interest rate when compared to credit cards which will not only make it affordable but will also help you manage your repayments better. Furthermore, you can also count on its flexible repayment.

Interest free payment plans

Interest free payment plans can seem like a better way to pay off your dental expenses. This means that you will not pay any interest on the amount that you have borrowed. But, Interest free payments only last for a select period and then reverts to a higher interest. Personal loans, on the other hand, generally have low rates that are fixed throughout. Unless if you can take advantage of the interest free payment period, a personal loan can suit you better

Brands you can trust

We are accredited with the most reputable lenders and insurers in Australia giving you a fair choice to compare