Dental Loans

Smile! You’re paying no fees.

You shouldn’t have to wait. Apply now for your no-fees loan.

From 6.75 % pa Interest rate
From 6.75 % pa Comparison rate*

The dental loan that won’t bite.

From a root canal (ouch!) to teeth whitening (bling!) a NOW Finance dental loan will make the next trip to the dentist easier to swallow.

No fees, no fuss and no red tape.

No fees

Forget about fees. Our personal loans are fee-free, forever. No ifs or buts about it.

Uniquely yours

Like a custom-tailored suit, your rate is made just for you. Get your personalised quote in less than 2 minutes.

VIP service

You’ll have a dedicated personal loan consultant to steer you through the entire process.


The Details

If you’re eligible and approved, you’ll have that money in your hands in as little as 24 hours.

You can choose a fixed term from 18 months to 7 years. But if you’d prefer something flexible, you can do that too.

ProductNOW Personal Loan
Interest RateFrom 6.75% p.a. (Unsecured)
From 6.75% p.a. (Secured)
Comparison RateFrom 6.75% p.a.* (Unsecured)
From 6.75% p.a.* (Secured)
Loan Amount$5,000 – $50,000 (Unsecured)
$15,000 – $100,000 (Secured)
Loan Term18 months – 7 years
Loan Fees$0 – No Fees
Upfront Fees$0
Early Exit Fees$0
Missed Payment Fees$0
Ongoing Fees$0

1. Get your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

2. Apply online

Complete your online application and get a response in 2 minutes.

3. Money in your account

Access your funds within 24-48 hours of being approved.


The people’s choice

With more than 1,700 5-star reviews, you won’t be the only one loving your loan.

Really quick turn around, better interest rate than my previous bank, a very uncomplicated process with a team that looked after me every step of the way.


Darren loves NOW Finance

Personalised rates and personal service. Darren shares his experience with NOW Finance.

Get your personalised quote today


Dental Loans, explained

Dental financing is a type of medical loan that allows individuals to front the cost of expensive, often life-changing dental procedures.

Payments can be made over a period of time to reduce up-front costs, allowing access to dental work that would otherwise be inaccessible. Many people choose to use dental financing for:

  • Tooth fillings
  • Tooth crowns
  • Metal braces
  • Cosmetic work
  • Major surgery

Like many other forms of personal loans, dental financing involves receiving an unsecured loan that requires regular repayments.

At NOW Finance, we provide transparent, easily accessible interest rates that make it easy to receive dental procedures. You can apply for a NOW Finance personal loan, and receive a personalised quote within minutes.

There are many providers of dental work financing in Australia, many of which offer limited loan amounts with high interest rates and fees (some of which can be hidden).

For this reason, it can be tricky to find a provider with your best interests in mind. At NOW Finance, we provide competitive, affordable interest rates that meet the needs of the everyday Australian, offering funding quickly and effortlessly.

Getting a quote for a dental loan won’t impact your credit rating at all. However, once you are ready to lodge an application for your Australian dental loan, a ‘hard check’ against your credit file will be made, which may affect your standing.

However, regularly making payments, reducing other debts, and paying off your loan in full will quickly restore, and possibly improve, your credit.

If you are struggling to find funds for medical, cosmetic, or general dental treatments, investing in an affordable dental loan will allow you to protect your health without draining your bank account. Using a trustworthy lender such as NOW Finance will provide peace of mind with easy access to dental financing, all with a personalised touch.

Once the team has accepted your application for a dental loan at NOW Finance, we will, once approved, deposit funds into your account within 24 to 48 hours. This allows you to choose the dental provider of your choice, unlocking thousands of providers across Australia.

In order to put your best foot forward on a dental loan application, it is recommended to use the following strategies:

  • Keep your credit score as high as possible by paying all bills in a timely manner.
  • Pay off extraneous debts to lower your personal risk factors.
  • Create a budget that accounts for monthly income, expenses, and loan payments.

When you’re ready to apply for a dental loan through NOW Finance, simply confirm your eligibility by applying online.

What should I know about a NOW Finance dental loan?

Medical procedures can cost thousands of dollars, particularly those that involve your teeth. Many insurance companies either do not cover dental work or have strict policies regarding what’s covered and what’s not.

Your teeth simply can’t wait until ‘later,’ even if your budget isn’t able to accommodate the large upfront costs of dental procedures. If you’re wrestling between caring for yourself or your wallet, consider taking the better option — affordable dental financing.

Dental loans from NOW Finance allow you to access the medical, cosmetic, and traditional treatments your teeth desperately need. By choosing our team as your trusted finance provider, you can finally rest easy with fast, easy, personalised repayment options; all with no fees.

Dental financing you can trust

A premier provider of unsecured loans, NOW Finance helps Australians all over the country find the funds they need to meet their dental care goals. With term lengths ranging from 18 months (1.5 years) to 84 months (7 years), we provide customised, low-rate loans to fit a variety of needs.

With some of the highest possible scores on Trustpilot and Product Review, NOW Finance is an industry leader in affordable dental loans.

Competitive rates for dental loans

Unsecured dental loans from NOW Finance allow you to borrow anywhere from $5,000 to $50,000 (unsecured) to finance your next dental treatment. Our rates are clearly listed and comparable, making us one of the most competitive providers in Australia.

Comparison rates are always equal to our quoted interest rates, making it easier to understand your loan options.

Zero fees for dental surgery financing

NOW Finance believes in offering finance solutions that really work.

Our dental loans are 100% free of fees, hidden costs, and other sneaky methods that pull money out of your pocket. With NOW Finance, what you see is what you get.

Use our personal loan repayment calculator now to determine your potential interest rates, repayment strategies, and projected loan term length.

Easy repayments for dental financing

No two budgets are alike, and at NOW Finance, we believe that customised repayment plans are an important part of helping you succeed.

Our clear and easy payments methods are designed to work in conjunction with your budget, letting you pay down your loan without risking your peace of mind.

Best of all, we never charge extra fees for making extra repayments or paying off your loan early. NOW Finance is on your side!

Getting dental loans in Australia with bad credit

Even if you are struggling with bad credit, there are still some ways to receive financing on your next dental loan.

Do what you can to boost your score by paying off extraneous debts and pay outstanding bills as soon as they are due.

Use a credit reporting body such as Equifax Australia, Experian or Illion to check your credit standing.

Apply for dental finance in Australia today

Your teeth don’t deserve to wait for the treatment they need. When you’re ready, let NOW Finance guide your next steps to a secure, affordable, and trustworthy financial solution.

Got any questions? Then don’t hesitate to contact NOW Finance today. Or why don’t you start to get the ball rolling by getting your personalised loan rate right now.

Ready to make your next move?

Get your personalised quote in 2 minutes