Discover Jacaranda Finance



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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Dental loans, no paperwork, fast approval, 100% online!

Dentals loans from $300 to $4,600, no paperwork!

If there’s one thing that everyone hates almost unanimously, it’s going to the dentist. Unfortunately, it’s something that we all must do to avoid getting ourselves a pair of those dreaded dentures. However, dental treatment can be very expensive and doesn’t fall under that sweet, sweet bulk billing thresholds. So, dental loans could be exactly what you need to get and keep those pearly whites looking, well, pearly.

how it works question

Take a bite out of this!

Why not make your trip to the dentist a little less painful by minimising the amount of damage it wreaks on your wallet? It’s never going to be pleasant having a stranger explore the innermost crevasses of your mouth leaving you in a rather vulnerable position. Dental financing might be just the thing to add a little more comfort to your visit to the chair.

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What are dental loans?

Dentals loans are simply small personal loans, or medium secured personal loans, that are used to cover dental treatments. Whether it be for braces, wisdom tooth removal, veneers, or the dreaded root canal, dental loans have you covered!

Your smile is the window to your heart, so it’s important to look after it. Dental loans from Jacaranda Finance will help you keep that window looking crystal. With small personal loans from $300 to $2,000 and medium secured personal loans from $2,001 to $4,600, you can stop stressing about the pain of paying for the dentist and just focus on keeping your cool while you’re there.

Our dental loans come with lengthy repayment periods of 12-24 months. This means you’ll have plenty of breathing room when it comes to paying off your loan. We don’t want the whole process to be like pulling teeth which is why we have designed our dental loans to be as fast and simple as they could possibly be.

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How do dental loans work?

If you’ve been to the dentist a few times before then you’ll know the drill: generally, the payment hurts more than the actual treatment. However, with the right dental financing from Jacaranda Finance, your bank account will be left unharmed.

Our dental loans application form is completed 100% online which means you can apply from anywhere, at anytime. You could even be sitting in the dentist’s waiting room and submit an application to us. It could even be tooth hurty in the morning and your tooth is very hurty! It doesn’t matter! All you need to do is jump online to our website, fill out our loans calculator on and click on apply.

You’ll be taken to our simple application form which will only take you a few minutes to complete. The information you’ll be asked for includes:

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How long will it take to receive my dental loans?

Once you’ve submitted your application, we’ll let you know straight away if we’re able to make you an offer. This will be your conditional approval. Once you’ve received that just make sure you don’t stray too far from your phone. It will only take us an hour to come back to you with an official offer. Someone from our team will give you a call to go over some final details and then we’ll send you your electronic loan contract. Once you’ve signed it and sent it back to us we’ll transfer you your dental financing straight away!

It could be a matter of mere minutes before you have the money in your account. However, this will be up to the policies of the bank you are with and completely out of our control. Generally, the worst case scenario is that you’ll receive the funds the following business day.

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Do you approve dental loans for low-income earners?

We sure can!

With the increase in dental costs and the decrease in the regular Australian household being able to afford dental treatment, there has been a steady incline in the average Australian household using dental loans.

Unfortunately, tooth decay doesn’t rest for anyone, regardless of how much they earn. Therefore, we’re big believers in giving everyone a fair go. We just require that you can afford to repay your dental loans without jeopardizing your financial stability. As a low-income earner, you’ll just need to be receiving a regular and stable income into your account for at least the last 90 days to qualify. This can be in the form of work wages or Centrelink payments.

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My child needs braced can I get dental loans for braces?


Braces can be a very expensive exercise for a parent especially if they don’t have insurance and your child is in need of them fast.

The bills can add up very quickly between x-rays and appointments.

However, there is no need to worry as all you need to do is hit the APPLY NOW button at the top of the page. There’s no need to sacrifice your child smile because of the expenses of dental treatment.

Fill in the application form and we can have your dental loan the same day!

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Do you offer dental implants finance options?


Our dental loans can be used for anything you like. We have plenty of dental implants finance options available to you when you need them. Some examples of our dental implants finance options include:

Whatever dental implants finance options you decide to go with, our dental loans will be there to make sure you get the care you need.

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Can I get dental loans with bad credit?

As we take our responsible lending obligations very seriously, we do adhere to certain lending regulations. However, while we do run credit checks on new clients, this is not the only thing we look at. We also tend to be a little more lenient than banks and other traditional lenders.

We are firm believers that the past is the past and people’s spending habits and relationships with money can change. Therefore, we prefer to focus more on your income and recent spending habits from the last 90 days. This gives a much clearer representation of your true financial situation and it allows us to assess your borrowing credibility more accurately.

So, if your bad credit has seen you knocked back from being approved for dental loans in the past, Jacaranda Finance could be just what you need to push your finances into the future.

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How do I repay my dental loans?

Repaying your dental loans could not be easier!

Once your loan is finalised, we will set up a direct debit for you straight from your account. We’ll just ask you to pick a day – weekly, fortnightly or monthly – in which you’d like this direct debit to come out and we’ll take care of the rest. There’s no need to worry about pesky bills or risk forgetting to pay them! Just make sure you nominate a day that works with your pay cycle and budget and then each payment will be automatically deducted from your account. You’ll never have to lift a finger.

Then, once your loan is paid off, the payments will stop automatically. No fuss, no worry! It’s all taken care of for you!

The only time you’ll ever need to think about your payments is if you wish to throw a few more dollar onto them. You’ll just need to let us know so we can adjust the automatic payment amount. We always recommend to our clients that they try and pay their loan off as quickly as possible. This is due to the fact that we won’t charge you to pay your loan off early. Some lenders will add exit fees to their loans, not us! Paying a loan out early with Jacaranda Finance will only mean that you’ll only end up saving money on interest and monthly fees.

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What should I consider when looking for dental loans?

Taking out dental financing is a commitment and, just like any commitment, it’s important to be sure before making a final decision. Some things to consider when looking for dental loans include:

So, if you’re looking for competitive, fast, no paperwork, dental loans then look no further because Jacaranda Finance is waiting for your application!

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How much do dental loans with Jacaranda Finance cost?

We pride ourselves on our competitive rates. The costs associated with our dental loans are:

For small personal loans from $300 to $2,000:

For medium secured personal loans from $2,001 to $4,600:

If you’re having a tough week and know you’re not going to be able to make a payment, give us a call as soon as possible. We’re always happy to accommodate difficult situations. Therefore, we’ll work with you to find a solution that works for everyone!

For some more information on the standard costs of personal loans, check out the Moneysmart website!

Ready to apply?


Head back to our homepage and get started with your dental loans application! We’re always waiting to approve dental loans applications. Why? Because your smile is always worth our while!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Dentals loans from $300 to $4,600, no paperwork! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much