Dental Loans
Start your makeover.
Dental loans with fixed interest rates from 9.99% p.a. to 24.99% p.a. (plus an establishment fee of $150)¹.
Won’t affect your credit score
Canstar's most awarded Personal Loan (ever)
Take the stress out of paying your dental bills
Get help covering all or part of your treatment cost
NO DELAYS
If your dental expenses loan is approved and you agree to the terms, your loan could be fully funded within 24 hours.
FAST FINANCE
If your dental expenses loan is approved and you agree to the terms, your loan should be fully funded within 24 hours.
NO HIDDEN COSTS
After you’ve paid your initial establishment fee, there are no extra charges on your loan when you keep up with your repayments.
What our customers say
Simple, 100% online
1. Get to know you
Tell us how much you need for dental work and provide the documents we need through our online platform.
2. Get your quote
We’ll send you a detailed quote for your dental expenses loan so you know exactly what you’re signing up for.
3. Get your money
Your money should arrive within 24 hours of accepting your quote and sending a few final bits of information.
What we offer
$2K - $100K
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
- You can get a 3, 5 or 7 year loan term¹
- Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
- Establishment fee of $150
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
Quick dental loan estimate
Get an idea of what your repayments and interest might be on a dental expenses loan with our free loan calculator.
Don’t let money worries add to your problems
With a dental expenses loan covering costs, you can concentrate on recovery.
100% ONLINE – 24/7
Apply online at any time and be done in a matter of minutes.
NO EARLY REPAYMENT PENALTY
Unlike many loan providers, we’re happy for you to pay back your loan early and we don’t charge any extra fees.
PERSONALISED RATE
Pay an individual interest rate calculated using your personal credit assessment.
About dental expenses loans
If you damage or lose a tooth, your gums are infected or you have another dental emergency, delaying treatment because you can’t afford it can risk making problems worse. A dental expenses loan provides help when you need it.
What is a dental expenses loan?
A dental loan is a type of personal loan that can be taken out to cover dental expenses. This includes the cost of dental services themselves and other related costs such as sedation, hospital stays and medication.
How does it work?
You can apply for a dental expenses loan before you pay your dentist so you won’t be out of pocket. You can ask your dentist for an estimate of how much your treatment will cost so you know how much you need to borrow. You should also check your health insurance or other finance options to see if any of your dental costs will already be covered.
You can apply for a dental expenses loan online through Harmoney. We’ll ask for details about what you intend to use the loan for and ask you to provide proof of your identity and finances so we can calculate your personal interest rate and repayments. If you accept your loan offer, we’ll send your money to your bank account and you should have it within 24 hours.
Secured and unsecured dental loans
Dental loans may be secured or unsecured. A secured loan requires that you nominate an asset (such as a house, car or other valuable belongings) that may be forfeited if you fail to pay back your loan. An unsecured loan isn’t protected by an asset, but may have a higher interest rate as a result.
All personal loans on Harmoney are unsecured, including dental expenses loans.
Other dental finance options
A dental expenses loan may not be the best option for everyone. Researching the other types of finance available to you will help you to make an informed decision about how to cover your dental costs.
Dental payment plans
Some dental clinics work with third-party finance providers to let you pay for dental work in instalments. These often have an interest-free period that can be tempting, but they usually involve more fees than a dental loan and there may be higher penalties if you don’t make your repayments.
Private health insurance
If your health insurance includes general dental cover, you may be covered for some or all of the cost of general dental treatments such as check-ups, fillings, extractions and crowns. More complex treatments and cosmetic procedures are not covered by standard health insurance, but may be included on a higher level of cover.
If you want to use your health insurance to cover part of your dental fees, a dental loan can make up the rest.
We’re here to help
Apply online for a medical expenses loan and get back to focusing on your recovery.
Types of personal loans
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DEBT CONSOLIDATION
Debt consolidation can simplify your finances and turn your various loans and debts into one easy payment.
EDUCATION COSTS
Education is the key to a brighter future. Help prepare yourself with an education costs loan from Harmoney.
HOLIDAY LOANS
Don’t put off your travel plans any longer. A holiday loan can help with the cost of flights, hotels, activities, travel insurance and other travel expenses.
BUSINESS LOANS
Whatever your business goals are, a business loan from Harmoney can give you the quick cash you need to achieve them.
MEDICAL LOANS
Apply for a medical loan to cover your medical expenses from dental surgery to physiotherapy, cosmetic surgery to hospital bills, whatever the treatment is, Harmoney can help.
RENOVATION LOANS
Whether it’s solar panels, an extra bedroom or a swimming pool a renovation loan can make your home improvement dreams a reality.
WEDDING LOANS
Everything from the cake to the cars can be covered with a Harmoney wedding loan.
We're real people and we're here if you need us
If you need help, just give us a call us on 0800 427 666 (Mon. - Fri 9am - 6pm) or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
Terms and conditions
1.Loan terms subject to availability.
2. Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.