About 40% of people put off seeing the dentist due to cost, even if their teeth are causing them a major problem.
Going to the dentist in Australia can be very expensive, which is where we come in. At Jacaranda Finance, we offer fast,
flexible and reliable personal loans for dental work, ranging from $3,000 all the way up to $25,000.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
A dental loan is a form of personal loan designed to pay for dental work. A dental loan lets you borrow a lump sum of money to be repaid in regular instalments over a set period of time (with interest and fees accrued over the period).
Though it's recommended we go to the dentist every six months or so, 68% of Australian adults admit they have not been in 2 years, with the most common barrier being expenses.
If this sounds like you, consider applying for a Jacaranda Finance dental loan - you could receive up to $25,000 for your next trip to the dentist chair.
With Jacaranda, you'll fill out a loan application and, if you qualify, we will quickly transfer you the funds you've been approved for. You can then use this money to pay for your dental bills in manageable instalments if you're caught short or instead of dipping into your hard-earned savings.
See our dental loan details on the right for more information on how they work.
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible.
Looking after your teeth is important, but some kinds of dental work can be very expensive. Fortunately, our dental loans are available for up to $25,000, so you can be confident that most forms of major dental procedures can be covered by a Jacaranda personal loan.
With fixed repayments and both secured and unsecured loan options, our dental loans could be used for any of the following common dental & orthodontic procedures:
Pricing information taken from Smile.com.au's dental fees table, fees are for NSW only.
Medicare, the Australian healthcare system, covers or subsides a range of medical services. Unfortunately, dental treatment is typically not one of these services. However, the Australian Government pays for some dental services through the Child Dental Benefits Schedule and public dental services.
For most adults, however, dental care is covered under private health insurance.
Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
Find out the answers to some of our most frequently asked questions here about our dental loans.
If you are unsure whether you're eligible, you can check if you qualify initially. This will not impact your credit score.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
You can apply for varying loan amounts with Jacaranda, depending on your needs:
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.
If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
Review our Privacy Policy for more information.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
Visit our rates and fees page to get an idea of the costs associated with our loan products.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.
Use our loan repayment estimate calculator to get a guide on what your repayments could be.Â
A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.
Here are some of the most common reasons our customers take out a loan:
$3,000 - $25,000
