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Fast and fair dental loans from Handy Finance

At Handy Finance, we understand the financial stress that large medical bills can place on people. Dental bills in particular can be very expensive. A dental loan can help you spread this significant cost. Our application process is simple, so you can get quick access to the funds needed to settle any essential costs.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Dental loan calculator

Estimate what your dental loan repayments could look like so that you can start your borrowing journey with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
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Dental and medical loans to cover essential health expenses

Our dental loans help you to cover the cost of crucial dental work. Take care of your health and well-being with a loan from Handy Finance.

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Handy Guide

Dental Loans Explored

Handy Guide

Accessible dental loans for all

A dental loan is a loan that can be used to pay for costly dental procedures. You can take out a dental loan to cover the bill for many dental procedures, from routine check-ups to serious dental surgery. You can cover the cost of the following with a dental loan from Handy Finance:

  • Orthodontic work – including braces and retainers
  • Veneers, ceramic crowns, teeth whitening
  • Dentures and dental implants
  • Fillings, repairs and extractions
  • Dental surgery – root canals, removal of wisdom teeth, gum surgery
  • Snoring and sleep apnea solutions

Our aim is to provide you with flexible and easy loans for these essential procedures. You can apply for a dental loan between $2,001 and $75,000 with loan terms between one and seven years. All dental loans have a fixed interest rate, meaning your repayments will be set from the beginning rather than reacting to market forces. Pay off your loan in weekly, fortnightly or monthly instalments – the choice is yours. And, if you want to pay off your loan early, you won’t be penalised – we have a $0 early repayment fee across all our loans.

Our credit experts review your application and offer terms tailored to your financial situation. The aim is to provide quick and easy access to funds for those urgent dental expenses and ensure that repayments can easily be managed within your means.

Eligibility criteria

In order to apply for a dental loan, you must meet the eligibility criteria:

  • You must be at least 18 years of age
  • You must be an Australian permanent resident or Australian citizen
  • You must be employed and receive employment income (including self-employment)
  • You must not have outstanding or unpaid defaults
  • You must not have a history of bankruptcy nor be party to a court judgment
  • You must not be in financial hardship with another financial provider

If you meet these criteria, the next step is submitting your application. You can submit your loan application online in a matter of minutes. Complete our application form and include documentation that will prove you meet the eligibility criteria, such as a driver’s license or passport and three months’ worth of bank statements from Illion’s Bank Statement Service. Our credit team will release an indicative result within minutes of your application coming through. Once you’ve been approved, your funds will be available in your nominated bank account in 24 hours.

Apply for a dental loan with confidence at Handy Finance

Handy Finance offers a number of personal money loans alongside our dental loans, with low interest rates and competitive terms. Apply for one of our online loans today to speak to our credit experts about the different personal loan products Handy Finance offers. Our range includes dental loans, wedding loans, debt consolidation loans, home improvement loans, green loans and legal loans. If you need a loan, you can trust the team to talk you through your options.

Frequently Asked Questions

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.

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Unlock possibilities with Handy Finance dental loans

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