Dental Loans up to $10,000 | Dental Loans with Bad Credit

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up to $5,000

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I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Dental loans

Dental loans for fillings, braces, checkups 

Booking that long-awaited dental appointment is something that 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 $300 and $10,000 that can be used for dental expenses. In some cases, we’re able to get back to you with an outcome in 60-minutes.*

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

Can I get a dental loan if I’m on Centrelink?

It is possible to get a loan on Centrelink at Nifty. We accept Centrelink payments as income, as long as they’re consistent and reliable. If you’ve met all of our basic eligibility requirements then we may be able to accept your application. 

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 in as little as 60-minutes (during business hours). 

What about loans for dentures?

As long as you have a regular income from an employer or Centrelink, 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  $300 to $10,000
Eligibility requirements:
  • Over the age of 18;
  • An Australian citizen or permanent resident;
  • Have a regular source of income (wages and/or Centrelink payments);
  • An active mobile number or email address.
What are your repayment terms? Repayment terms range from 6 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.

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Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.