Need a dental loan after your last check-up?
Oral health plays a huge role in our overall health, so when you need work done or a dental check-up, you don’t want to be held back by costs. But how can you fix your teeth if you don’t have the money to hand right now? Dental loans are a quick and easy way to pay for dental work right now and pay it off over time.
Apply for a quick dental loan today!
Discover your dental financing options
Learn more
Can I get loans for dental work?
Yes, Swoosh offers fast cash loans for dental work in Australia. You can apply for any dental work you need, including loans for:
- Braces
- Implants
- Surgery
- Tooth repair, cleaning, & whitening
- Root canals
- Or any other dental work
Whether you need a general check-up, cosmetic work, emergency surgery, orthodontic treatments, or any other type of dental procedure, Swoosh is here to help you find the right dental loan.
How to get a loan for dental work
You can get dental financing without insurance with the help of Swoosh! In just 3 simple steps you will be on your way to fast finance for any dental treatment you need.
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Complete an online application on your mobile phone, computer or tablet. Applications usually only take minutes.
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Approval of your loan is provided within 60 minutes of you providing us with the information we require (during business hours)*. The decision will arrive promptly — right in your inbox.
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After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.
How quickly can I get a loan for dental work?
Here at Swoosh, we pride ourselves on offering fast same day loans*. Our application process takes only minutes to complete, and once received, we can send you the money you need to pay dental bills fast. So you can apply for a dental loan, book a dental appointment, and receive the funds to pay for it all before the day is done.
Find out more about how to get a loan with Swoosh.
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Apply for a dental loan today
Dental loans for bad credit
It is possible to get a dental loan with bad credit! You shouldn’t have to rely on a credit score to keep yourself healthy. Many Aussies might be saddled with a poor credit score due to events long in the past. Even for people who’ve improved their financial circumstances, a history of bad credit can make it difficult to secure a standard loan.
Here at Swoosh, we treat your credit history like it is – history. Our team looks at your current financial situation to assess your eligibility and offer bad credit loans to those who’ve had poor credit in the past. And while credit checks are still part of our process, that doesn’t mean a bad score will hold you back from approval.
How do dental loans work?
Dental loans work similarly to other personal loans, you borrow money and then repay it over a set loan period along with any interest and other fees. Swoosh loans for dental treatments start at $2,300 and are 100% online. So no matter where you are in Australia, you can access funds quickly.
Find out more: How Swoosh Loans Work
Repayment plan
We offer flexible repayment options to align with your payday for your 12 month loan:
Rates and fees
We’re all about keeping interest rates and fees for dental loans simple. There are no hidden monthly fees or charges, and there are no penalties for paying back your loan early.
| Loan amount | $2,300 – $5,000* |
| Fees: |
|
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
|
Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. And your interest rate is fixed for the loan term—so you know exactly what to expect.
If a scheduled payment is returned unpaid, we may issue a $39.95 debit dishonour fee.
Find out more: Loan Rates and Fees.
Eligibility
Our 4 simple eligibility criteria make it easy to borrow money, all you need is the following:
- Permanent resident or valid visa holder of Australia
- Over the age of 18
- Employed with a regular income for at least 3 months
- The owner of a vehicle registered in your name
The owner of a vehicle registered in your name
Our online application form only takes minutes to complete. Once you apply, our team of expert (human!) assessors quickly assess your loan application.
Dental Loan FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
Some dentists will offer payment plans or alternative payment options like Afterpay, but it is not guaranteed. You will need to check with your local dentist to find out if they have any payment plans available.
Yes, Swoosh can offer loans to people on Centrelink payments. As long as you have been employed for at least 3 months and meet income requirements, you are eligible to apply.
Credit checks are important risk assessment tools for responsible lenders and help keep consumers safe from predatory lending. Some lenders may offer no credit check loans if they use alternative methods to verify that you can service the loan. However, almost all reputable lenders in Australia will conduct credit checks, even if they offer bad credit loans.
Find out more: Do cash loans without credit checks really exist?
Find out more: Do cash loans without credit checks really exist?
