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Dental Loans
Looking to cover your dental expenses? Compare low rate personal loans with Savvy today and save.
Last updated on April 20th, 2022 at 12:46 pm by Thomas Perrotta
Compare personal loans for dental expenses
Dental work can often come with a high price tag, particularly if you’re getting teeth replaced , so it’s important to know your options when it comes to paying for it. Fortunately, you can compare affordable and flexible personal loans right here with Savvy to help you cover dental costs.
I want to borrow:
Over how long?
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Apply for an unsecured personal loan between $2001 to $75,000 for a variety of loan purposes. Get a personalised rate estimate in minutes without impact your credit score.More details |
- No extra repayment or early exit fees
- Up to $75,000 in loan amounts
- Funding approved within 24 hours
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Borrow up to $70,000 with personalised rates and repay over 3,5 or 7 years loan terms.More details |
- All loans are unsecured
- Rates from 5.35% (comparison rate 6.14%)
- Your rate is fixed for the life of the loan
- Establishment fee of $275 for loans under $5,000
- Establishment fee of $575 for loans $5,000and over
- No monthly account keeping or early repayment fees
- You can repay weekly, fortnightly or monthly
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Borrow up to $50,000 with no fees, now and forever. Minimum requirement to earn $22,100 p.a. and have good to excellent credit.More details |
- Great rates, starting from 5.95% p.a.
- No establishment fees
- No account keeping fees
- No early repayment fees
- Fixed repayments for the life of your loan
- Loan term – 1.5 to 7 years
- Loan amount – $5,000 to $50,000
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Apply for an unsecured personal loan and enjoy low rates for excellent credit. With no early repayment or exit fees, there’s a lot to love about this loan.More details |
- Low rates from 6.39% (comparison rate 6.39% p.a.*)
- Get a rate estimate in 1 minute that won’t affect your credit score
- No early repayment or exit fees
- Lender approval subject to applicant’s good to excellent credit history
- Settlement within 24 hours
- A 5-star experience from end to end from Australia’s #1 rated consumer lender
- Join over 95,000 Australians bringing their big ideas to life with Plenti.
Disclaimer: A comparison rate indicates the true cost of a loan. The comparison rate displayed for this advertiser is calculated based on a loan amount of $30,000 over 5 years and represents the effective rate on the loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
Why Savvy can help you compare the best dental loans
Trusted lender panel
We bring you peace of mind by only partnering with the most reputable financiers across the country.
Competitive rates
You can compare personal loans right here to give yourself the best chance of accessing a competitive rate.
Lock in the features you need
We make sure our lenders can offer you the flexible features you need for your dental loan, such as free early repayments.
Fully online service
Not only can you access comparison information wherever you are via your smartphone, you can also apply just as easily.
Fast and easy comparisons
We break down each of our lenders’ offers to make it simpler and quicker for you to compare and decide on which is the best option for you.
Make an informed choice
By considering a greater number of options in the comparison stage, you’ll position yourself to make an educated call on the most affordable loan.
Common questions about dental loans answered
You can lock in a dental loan for as little time as 12 months up to a maximum of seven years, although the term you’re approved for will depend on a variety of factors relating to your personal profile and the size of the loan you’re after.
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.
Yes – because these loans are unsecured personal loans, you can use them to pay for a medical procedure with any professional practitioner you choose, rather than have that decision taken out of your hands.
Yes – in the same way, unsecured personal loans can be used to pay for any dental procedure you need, from braces to fillings to veneers and everything in between.
Yes – self-employed workers are just as able to borrow to pay for dental expenses as any other Australian. The only difference for these borrowers is that you won’t be able to supply payslips, which are usually integral to the documentation requirements of a personal loan, so you’ll have to bring your two most recent years’ worth of tax returns.
Yes – our lenders can work with applicants who’ve just started a new job.
You can receive instant conditional approval on your personal loan within a minute or two of submitting your application, with the total processing and funding time able to take place within just 24 hours.
Your helpful guides on dental loans
Credit score check up
Not having the right credit score can be a kick in the 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. Most lenders will be reluctant to approve you for the amount you’ve applied for if you have a low credit score, but we’re partnered with specialist lenders who can. Seeing if you match the criteria to be approved can help you avoid rejection.
What can delay the process?
There are a few ways your application can be delayed. Perhaps the simplest reason for this is if you don’t have the right documentation, to which there’s a simple and easy fix: ensure you have the right documents when you submit your application. This helps sidestep avoidable delays in the process. Additionally, if you’ve applied for many loans in the past and been rejected, you may find your application is delayed by your lender taking more time to assess it.
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 time, but a personal loan will likely be the better option in the long term. Personal loans generally come with lower interest rates when compared to credit cards which not only make them more affordable overall but will also help you manage your repayments better. You should look to avoid steep credit card interest at all costs.
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. However, these plans may only last for a select period before reverting 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.