Payment Plans and Financing
Get the smile you want today and pay over time with our interest-free options. Book An AppointmentQuality Dental Care, Made Affordable for Northcote
We believe financial concerns should never stand between you and your dental health. Whether you need emergency relief, a routine check-up, or a complete smile makeover, we offer flexible payment plans to suit your budget. By partnering with Australia’s leading lenders, we allow you to start your treatment immediately and pay it off in manageable, interest-free instalments.
We are partnered with National Dental Plan which allows you to spread the cost of your dental treatment over affordable, interest free payments and get the smile that you deserve. Please click here to find out more.
Afterpay
Best for: Check-ups, cleanings, and smaller treatments (Up to ~$1,500).
- How it works: Split your payment into 4 equal, interest-free instalments. You pay the first instalment at the time of your appointment, and the rest every two weeks.
- The Benefit: No long forms, instant approval via the app, and zero interest if paid on time.
- What you need:
- An Australian debit/credit card
- To be over 18 years of age
- Resident of Australia
Zip (Zip Pay & Zip Money)
Best for: Flexible limits ranging from general dentistry to larger cosmetic work.
- How it works: Zip offers two account types. Zip Pay is great for everyday dental bills (under $1,000) with no interest. Zip Money is designed for larger treatment plans (over $1,000) with interest-free periods available.
- The Benefit: You choose your repayment schedule—weekly, fortnightly, or monthly.
- What you need:
- Complete a quick application (usually approved in minutes)
- Income verification may be required for larger Zip Money limits
Humm
Best for: "Big Things"—Major dental work like clear aligners, veneers, or implants (Up to $30,000).
- How it works: Humm allows you to "Buy Now, Pay Later" for both "Little things" (up to $2,000) and "Big things" (up to $30,000).
- The Benefit: Pay over longer terms (6, 12, or even 24 months) completely interest-free.
- What you need:
- Permanent job (25+ hours/week) or aged/veteran pension
- 20% deposit may be required for "Big things"
Early Release of Superannuation
Another option available to our patients is the early release of super to fund essential dental treatment. We will work with you and your medical doctor to guide you through the process.
This is not suitable for all patients and there is strict adherence to rules and regulations. Speak to our friendly staff to find out more.
Please click here to find our more information.
FAQ
Frequently Asked Questions
Can I use these payment plans for emergency appointments?
Do I need to be approved before my appointment?
Are there any hidden fees?
Do I need to pay a deposit on the day?
This depends on the plan you choose. Afterpay requires your first 25% installment upfront. Humm ‘Big Things’ usually requires a 20% deposit. Zip Pay often allows for $0 deposit. Our team can help you compare these on the day.
What happens if my treatment plan changes during the appointment?
Don’t worry – if the cost of your treatment changes, we can easily adjust your payment plan amount before you leave. We only charge you for the work actually performed.
Ready To Book?
Don’t let cost delay your dental health. Call our friendly Northcote team today to discuss your treatment plan and find the finance option that works best for you.
Disclaimer:
Terms and conditions apply to all financing options. Lending criteria, fees, and T&Cs are established by the respective providers and are subject to change.