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Oral health plays a huge role in our overall health, so when you need work done or a dental check-up, you don’t want to be held back by costs. But how can you fix your teeth if you don’t have the money to hand right now? Dental loans are a quick and easy way to pay for dental work right now and pay it off over time.
Discover your dental financing options
Can I get a loan for dental work?
Yes, Swoosh offers fast cash loans for dental work. You can apply for any dental work you need, including loans for:
- Braces
- Dentures
- Implants
- Veneers
- Surgery
- Teeth whitening
- Tooth repair & cleaning
- Root canals
- Or any other dental work
Whether you need a general dental check-up, cosmetic dental work, emergency dental surgery, orthodontic treatments, or any other type of dental procedure, Swoosh is here to help.
Dental loans for bad credit
You can get dental financing with bad credit through Swoosh. We look at your current financial situation to assess your eligibility for a dental loan. So even if you have bad or very bad credit, you can still be eligible for quick loan approval.
How do dental loans work?
Dental loans work similarly to other personal loans, you borrow money and then repay it over a set loan period along with any interest and other fees. Swoosh loans for dental treatments start at $2,200 and are 100% online. So no matter where you are in Australia, you can access funds quickly.
Find out more: How Swoosh Loans Work
Repayment plan
We offer flexible repayment options to align with your payday for your 12 month loan:
- Weekly
- Fortnightly
- Monthly
How to get a loan for dental work
You can get dental financing without insurance with the help of Swoosh! In just 3 simple steps you will be on your way to fast finance for any dental treatment you need.
1. Complete an online application on your mobile phone, computer or tablet. Applications usually only take minutes.
2. Approval of your loan is provided within 60 minutes of you providing us with the information we require (during business hours)*. The decision will arrive promptly — right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.
How quickly can I get a loan for dental work?
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Find out more about how to get a loan with Swoosh.
Apply for a dental loan today
Eligibility
Our 4 simple eligibility criteria make it easy to borrow money, all you need is the following:
Permanent resident or valid visa holder of Australia
Over the age of 18
Employed with a regular income for at least 3 months
The owner of a vehicle registered in your name
Our online application form only takes minutes to complete. Once you apply, our team of expert (human!) assessors quickly assess your loan application.
Rates and fees
We’re all about keeping interest rates and fees for dental loans simple. There are no hidden monthly fees or charges, and there are no penalties for paying back your loan early.
| Online cash loan amount | $2200-$5000 |
| Application fee | $0 |
| Standard establishment fee | $400 |
| Other Fees | $16 (included in loan) |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your paydays) |
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. And your interest rate is fixed for the loan term—so you know exactly what to expect.
If a scheduled payment is returned unpaid, we may issue a $35.00 debit dishonour fee.
Find out more: Loan Rates and Fees.
Emergency dental loans
Sadly, dental bills are no joke in Australia, that’s why a lot of people look for alternative payment options to help cover the costs. We know that a dental emergency is no joke that’s why our emergency loans are here whenever you need cash ASAP.
FAQs
Can I get a short term loan with no credit check?
Credit checks are important risk assessment tools for responsible lenders and help keep consumers safe from predatory lending. Some lenders may offer no credit check loans if they use alternative methods to verify that you can service the loan. However, almost all reputable lenders in Australia will conduct credit checks, even if they offer bad credit loans.
Find out more: Do cash loans without credit checks really exist?
Can I get a dental loan on Centrelink?
Yes, Swoosh can offer loans to people on Centrelink payments. As long as you have been employed for at least 2 months and meet income requirements, you are eligible to apply.
Do dentists in Australia offer payment plans?
Some dentists will offer payment plans or alternative payment options like Afterpay, but it is not guaranteed. You will need to check with your local dentist to find out if they have any payment plans available.
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The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
