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Dental Loans

Personal Loans up to $15,000

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Jacaranda Finance offers dental loans from $1,000 to $15,000 to cover dental bills.

Dental treatment can be very expensive, especially if you do not have private health insurance. Jacaranda Finance offers dental loans up to $15,000 for Australians searching for short term finance. 

Need an expensive dental procedure?

Going to the dentist is something that we should all do regularly, but can easily put off. If you know you need a filling, or even just a regular checkup, but have been avoiding it due to the cost of your dental bills, Jacaranda Finance has a solution for you. We offer dental loans Australia from $1,000 to $15,000 to cover a wide range of dental procedures. Whether it is just one small filling, an extraction or even root canals, you can use a dental loan to cover your dental work costs.

Jacaranda Finance is an online lender that specialises in delivering fast and efficient loans to our customers. We were the first lender nationwide to deliver a 60-second loan transfer; when you need an emergency dental loan, Jacaranda Finance is a fast lender you can trust. 

What is a dental loan?

A dental loan is a form of personal loan used to cover dental expenses. We offer three types of dental loans: small loans, medium loans and large loans.

Loan type  Security option Loan amount Repayment terms
Small loan Unsecured $1,000 to $2,000 6 to 12 months
Medium loan Secured $2,100 to $4,600 13 to 36 months
Large loan Secured $5,000 to $15,000 13 to 36 months

For a detailed breakdown of our loan options, please refer to our costs page.

What are the most common dental procedures?

Whether it is a routine checkup or a cosmetic dentistry procedure, there are an abundance of dental expenses that you may choose to incur. Below are reasons we have received dental loan applications from our customers:

  • Removals and extractions
  • Fillings and repairs
  • Root canals
  • Gum surgery
  • Teeth whitening
  • Crowns and caps
  • Veneers
  • Braces
  • Mouth guards
  • Dentures
  • Sealants
  • Dental implants

How to apply for dental care loans

Applying for loans for dental work is simple and easy with our 100% online application process. Our application can be completed within just a few minutes and we will do our best to get back to you within 60-minutes*. We support instant transfers on approval, meaning you could have your dental loan in your account within 60-seconds of approval**. Loans for dental work Australia allow you to get back to smiling; apply by following these simple steps:

Step 1: Select how much you need to borrow and complete your online application, which includes submitting your supporting documents

Step 2: Our team will process your application as fast as possible

Step 3: We will let you know whether your application has been approved or not

Step 4: If successful, review and sign your contract and send it back to us

Step 5: Once we have received your signed contract, we will transfer your funds straight to your account


We have standard eligibility criteria for our dental loans that all of our applicants must meet. To ensure that we can process your loan application, please check that you meet the following requirements before you apply:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had consistent income into your bank account for at least 90 days
  • You have an active mobile number and email address
  • You have internet banking set up

Supporting documents

We require copies of your supporting documents along with your application. So that our team can process your application as fast as we can, please ensure you submit the following documents when you apply:

  • 100 points of ID
  • Your basic personal information (full name, D.O.B., address etc.)
  • The reason for your loan
  • Your online banking details
  • Your myGov login details (if you receive Centrelink benefits)

Dental loans for bad credit

Having bad credit will not stop you from accessing a dental loan from Jacaranda Finance. We are an online lender which allows us to be more lenient than traditional lenders, like banks and credit unions, with our credit requirements. We provide bad credit personal loans to Australians that meet our lending criteria. We use your online banking details to utilise current bank statements; this is to ensure that you can reasonably manage your loan repayments. If after our financial assessment we find that you can manage your loan, we may be able to provide you with a bad credit loan.

While we provide bad credit loans, we must still conduct credit checks on every application we receive. This is in line with the responsible lending guidelines set by ASIC. All of our applications are subject to an individual assessment. However, if you have a bad credit score, this will not stop you from accessing finance for dental practices.

FAQs about dental loans Australia

How much can I borrow with a dental loan?

You can apply to borrow any amount between $1,000 to $15,000 to cover your dental expenses. Our team will verify your costs and ensure that you can manage your loan repayments. These repayments will vary depending on how much you borrow.

How do I repay my loan?

We will create a payment plan by setting up a direct debit from your account in line with your pay cycle. Your payments will be automatically debited from your bank account on your selected payday. When your loan has been repaid in full, your direct debits will stop.

Can I get a dental loan if I receive Centrelink?

We provide dental loans Centrelink to customers that meet our eligibility criteria. We consider most forms of Centrelink income as regular income. As long as you have been receiving your government benefits for at least 90 days and meet the rest of our criteria, we may be able to provide you with a quick loan

What are the fees and charges?

The fees and charges on your dental loan will vary depending on how much you borrow and your financial situation. Each loan option accompanies different fees, and your current financial situation may influence the interest rate you are offered on your loan. All fees and charges will be clearly outlined to you in the terms and conditions of your loan contract.

Do you provide dental braces loans?

We provide loans for braces to eligible applicants. Braces can range anywhere from $5,000 to $8,500 on average in Australia; you can apply for a dental loan for this amount and repay your personal loan over a set period of time. 

Dental insurance in Australia

Dental insurance is often expensive and may not cover all of your dental expenses. It is important to understand dental insurance before choosing which premium you may like.

Extras health insurance policies typically cover a range of dental procedures; these may range from general and routine dental to major dental work. General dental can be used to cover preventative treatments like oral exams, scale and cleans, simple fillings, mouth guards and other general dental work. Major dental, including orthodontics and endodontics, covers more complex treatment. 

The level of health insurance you pay for will dictate the level of cover you receive. Some insurance companies still charge an excess and some dentists will charge you a gap, while others will bulk bill. It is important to know your dentists’ fees and your level of dental coverage before you get dental work done.

*If you apply within our business hours

**If you have an NPP-enabled bank account

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Reviews current as of June, 2021.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.