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Dental Loans
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 $5,000 all the way up to $25,000.
Borrow $5,000 to $25,000
Same-Day Approval2
24-48 month terms
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
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 $5,000 all the way up to $25,000.
Borrow $5,000 to $25,000
Same-Day Approval2
24-48 month terms
Funds in 60s
to PAYID Enabled Banks
Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your bank.
What is a dental loan?
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.
Why get a dental loan with Jacaranda Finance
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.
Loan Details
Loan Amounts
$5,000 to $25,000
Loan Terms
24 months to 48 months
Loan Type
![Show the About Security modal]()
Secured and unsecured
Rate type
Fixed
Repayment options
Weekly, fortnightly or monthly
No early payout or exit fees
Customers who pay their loan out early do not incur any additional fees or charges for doing so.
THE APPLICATION PROCESS
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.
What are the most common dental procedures?
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:
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Root Canals (x4) $3,320 - $7,414 |
Dental Crowns $1,654 - $3,000 |
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Tooth removal $221 - $625 |
Fillings $173 - $800 |
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Check up with x-rays $328 - $720 |
Dentures (full denture) $3,307 - $6,800 |
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Tooth removal $221 - $625 |
And much more such as:
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Pricing information taken from Smile.com.au's dental fees table, fees are for NSW only.
Does Medicare cover dental work?
Does Medicare cover dental work?
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.
Rates & Fees
Interest Rate
Comparison Rate
![Show the What does it mean? modal]()
Loan Term
Repayment Cycle
Secured or Unsecured
![Show the What does it mean? modal]()
Establishment Fees
![Show the What does it mean? modal]()
Monthly Fees
![Show the What does it mean? modal]()
Risk Fee
![Show the What does it mean? modal]()
Comparison Rate Warning*
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Unsecured
Personal Loan$5,000 - $15,000![]()
Interest Rate17.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
32.40% to 42.80%Loan Term24 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$475 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$140 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. 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. -
Secured
Personal Loan$5,000 - $25,000![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term24 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$475 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
Trusted by 1,000s
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It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to - See MoreIt is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much. - See Less
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Super easy and fast system, applying was seamless and money was instant!Super easy and fast system, applying was seamless and money was instant! - See Less
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Fast, reliable service had money in acc same dayFast, reliable service had money in acc same day - See Less
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See MoreJacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
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So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See MoreSo jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
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Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and - See MoreExcellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. - See Less
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Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See MoreJacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less
Award-winning lender
See all FAQs
Dental Loan FAQs
Find out the answers to some of our most frequently asked questions here about our dental loans.
The basic eligibility criteria you must meet before submitting an application:
- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
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 are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
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.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
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.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
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:
- Monday - Thursday: 8.00 am - 5.00 pm
- Friday: 8.00 am - 4.00 pm
- Saturday: 8.00 am - 12.00 pm
- Sunday: Office Closed
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. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
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:
What else can I use a personal loan for?
We're here to help
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
