Dental Loans up to $15,000 | Dental Loans with Bad Credit
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Dental loans for fillings, braces and checkups

Booking that long-awaited dental appointment is something we all dread. No matter how much we hate it, it’s better than going without treatment and potentially making things a whole lot worse. At Nifty, we offer fast cash loans ranging between $2,100 and $15,000 that can be used for dental expenses. In some cases, we’re able to get back to you with an outcome on the same day.*

What if you don’t have dental cover?

Dental insurance can be expensive. Not having dental cover can cause some people to avoid treatment, leading to even more problems down the line. It is important to understand the levels of dental cover.

Extras health insurance policies typically include a range of dental services, ranging from general and routine dental to major dental work. General dental helps to cover preventative treatment services like oral exams, scale and cleans, simple fillings, mouthguards and some other general dental work. Major dental, including both endodontic and orthodontics, generally covers more complex treatments.

If you find yourself with an unexpected dental bill, Nifty Loans is here to help. We provide same day loans that can be used for dental expenses.

Dental loans Australia

Loans for dental work can be used for just about any dental-related procedures! Some dentists are fully covered by private health, while some charge a gap. This is super important information; however, some dentists don’t tell you on their website. Before you book an appointment, it may be a good idea to get in contact with your dentist for a better understanding of costs.

Common dental procedures

There is no shortage of work that your dentist or orthodontist might recommend. Below we have listed some of the most common things people take out dental loans for:

  • Removals and extractions
  • Fillings and repairs
  • Root canals
  • Dental implants
  • Gum surgery
  • Tooth whitening
  • Crowns and caps
  • Veneers
  • Braces
  • Dentures
  • Sealants
  • Cosmetic dentistry

Who is eligible to apply?

To qualify for a dental loan, at a minimum you must:

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Be receiving a consistent income
  • Have an active mobile number and email address

Frequently asked questions

What if I have bad credit?

One of Nifty’s principles is that everyone deserves a second chance. We don’t believe credit ratings tell the whole story; we may still be able to help you with one of our dental loans for bad credit.

For most applicants, we need 90-days of up to date bank statements; this way our team will make most of their decisions based on your recent history as well. In some cases, our loan specialists may request further documentation (such as; payslips, loan contracts, older bank statements etc.), this is to ensure our income and expenditure assessment is as accurate as possible.

My child needs braces; do you do loans for braces as well?

Yes, we do! Raising kids can be expensive, not to mention taking care of their teeth! Braces, wisdom teeth, and fillings are just the tip of the very expensive iceberg of dental problems your child may have as they get older.

That’s why we offer dental loans for all kinds of dental needs. Simply specify the reason for your loan and we’ll get to work assessing your application. You could have your cash loan approved on the same day* (during business hours).

What about loans for dentures?

As long as you have a regular income from an employer, Nifty Loans has got you covered for a dental dentures loan!

How do I repay my loan?

Repayments are made via direct debit. We’ll align your repayments with your pay cycle. All you need to do is make sure you have enough money in your bank account when repayments are made. When you’ve paid off your loan in full, the repayments will automatically stop.

Personal loan details

Who is this product for? Individuals looking for a dental loan.
Loan amount  $2,100 to $15,000
Eligibility requirements:
  • Over the age of 18;
  • An Australian citizen or permanent resident;
  • Have a regular source of income;
  • An active mobile number or email address.
What are your repayment terms? Repayment terms range from 9 to 24 months
Repayment frequency Weekly, fortnightly or monthly
Loan types available: Fixed

Visit our costs page for a more detailed overview of our interest rates as well as fees and charges

Fast and easy dental loans

To apply for one of our dental loans, scroll up to the top of this page to begin your application. We deliver fast outcomes and even faster payouts. If you’re seeking further information about how it works visit our FAQ page or contact us.