Dental Loans

Dental financing is the same as a dental loan – a loan that can help you cover the cost of dental procedures.

With our easy online application process, you can apply for a dental loan with Handy Finance in a matter of minutes. Our credit experts review your application and provide you with indicative terms for your loan. These terms lay out the loan sum, repayment terms and the interest rate that will be applied to your loan. Once the loan is approved, the funds will appear in your account within 24 hours. You then begin to pay back the dental loan in manageable weekly, fortnightly or monthly instalments, depending on your financial situation.

At Handy Finance, you must pay an establishment fee when setting up your dental loan. Other than this, no other fees are owed on this type of loan. That includes an early repayment fee – with Handy Finance, you won’t be financially penalised for paying off your loan early.

At Handy Finance, dental and medical bills significantly contribute to financial stress. As long as you meet the eligibility criteria, anyone is welcome to apply for a dental loan. Our credit team ensures that your loan terms reflect your current financial situation so you have the best chance of repaying your loan without contributing to further financial stress.

Taking out a loan will have a slight impact on your credit rating. However, as long as you are diligent and make your loan payments on time, your credit rating will improve. If you fail to make your payments on time, it will have a negative impact on your credit score.

Applying for a dental loan is a good idea if you know there is a procedure you need that won’t be covered by any medical insurance you have or you can’t cover out of your savings. It can be particularly beneficial for emergency dental procedures that you haven’t planned for ahead of time, as accessing funds quickly can sometimes be complex. The dental loan can be used to cover the procedure in full, or partly. If you’re unsure whether your expense requires a dental loan, speak to our credit team. They’ll be able to advise on the best personal loan product.

Most cosmetic and medical procedures are covered under a dental loan. You can use your dental loan to pay for braces and retainers, dental implants, dentures, fillings and veneers, teeth whitening and much more.

In order for us to assess your application, you’ll need to fill out an application form. There are other tools that you can use to estimate what loan terms you will be offered based on your financial situation. Our loan calculator can provide you with an idea of your buying power. Simply enter your ideal loan amount, loan terms, repayment frequency and credit score to see your interest rate and repayment sum.