Need Loans for Dental Work?

Paying for dental work is almost as painful as the dental work itself. A Beforepay Personal Loan can help remove some of that financial stress.

Illustration of dental expenses with dental tools and dollar icons.

Understanding Your Options for Dental Costs

There are times when you may need access to money to cover an expense, whether it’s something unexpected or a cost that’s come up sooner than planned.

Dental work can range from routine check-ups to more complex procedures, and costs can vary depending on the treatment required. In some cases, issues like pain or damage mean treatment can’t be delayed for long.

Even with private health cover, there are often out-of-pocket expenses to consider. These can add up quickly, particularly for procedures like crowns, root canals, or orthodontic work.

Some dental clinics offer payment options, while others require payment at the time of treatment. Some people choose to plan ahead for expected costs, while others look at different ways to manage expenses when they arise. Understanding how each option works, including any fees or conditions, can help you make a more informed decision.

When weighing up your options, it can help to consider both the urgency of the treatment and what fits within your current budget. Looking at how any payments will affect your regular expenses can make it easier to choose an approach that feels manageable.

Taking the time to review your options and choose something that suits your situation can help you address dental needs without adding unnecessary financial pressure.

ACTUAL REAL PEOPLE

Put a Cap on Your Budget

Don’t grin and bear cash shortfalls that prevent needed dental work. A Beforepay Personal Loan can provide you with up to $5000 for braces, orthodontics, fillings, crowns, and more.

Something to Smile About

Instead of paying everything at once, spread eligible costs out over 3-6 months.

Transparent Fees

All fees and interest payments are shown upfront, before you accept the loan. There are absolutely zero hidden costs.

Clear Repayments

Know exactly when each payment is due and how much needs to be paid with simple repayment schedules, helping you stay on top of your finances.
PERSONAL LOANS

Plan bigger with confidence

Whether you’re covering a larger expense or planning ahead, Personal Loans give you clear repayments and flexible terms designed around your budget.

LONG TERM

Beforepay Personal Loan

Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.

Borrow $2,001–$5,000†
3-12 month terms§
Competitive interest rate‡
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No hidden fees ever
BEST FOR
Car repairs, medical bills, moving costs, travel, or any larger purchases you want to pay off over time.

How it works

A fast loan is only 3 steps away.

Create your account

Getting started is simple - sign up online or download the Beforepay app.

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Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

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Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000.  Eligibility criteria applies.

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Create your account

Getting started is simple - sign up online or download the Beforepay app.

Step 1 yellow graphic

Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

Step 2 yellow graphic

Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000.  Eligibility criteria applies.

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ACTUAL REAL PEOPLE

Common Questions

Transparent answers for confident borrowing.

Are dental procedures paid upfront?

Some clinics require payment at the time of treatment, while others may offer payment options.

Why can dental costs feel hard to manage?

Dental expenses can vary widely and are sometimes urgent, especially if treatment is needed to address pain or prevent further issues.

How can I make dental costs more manageable?

Looking at what’s urgent and what can be planned can help you spread costs in a way that suits your budget.

What options do people consider for dental expenses?

Some plan ahead for expected costs, while others look at ways to manage payments as they arise.

What should I check before starting treatment?

Understanding the full cost, including any additional procedures, can help you plan more effectively.

ACTUAL REAL PEOPLE

Chosen by Over 1.7M Aussies

Plan, track, compare, and save with Beforepay’s free finance tools.

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Very good

Very good, helps my financial shortage

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May 7, 2026
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Very easy app to use and the money…

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May 5, 2026
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Has always helped us out

I like how the give you a minimum payment and different options to is the money back

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Helpful in time of need

Helpful in time of need Awesome

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Very helpful and fast in transferring money into my account.

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May 2, 2026
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Payments have been a lot of…

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May 1, 2026
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Good experience for more than 1 year

Good experience for more than 1 year

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April 30, 2026
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Doing well and fast

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April 30, 2026
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They seem to help out when I need most…

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April 30, 2026
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April 29, 2026
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April 28, 2026
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April 28, 2026
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April 28, 2026
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April 27, 2026
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April 27, 2026
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Eligibility

Borrowing that fits your life.

We check your income and expenses to make sure repayments fit your budget,  with clear terms and no surprises.

Learn more
Be an Australian resident aged 18 or older.
Have a current Australian driver’s licence, passport, or Medicare card.
Maintain employment and receive a regular wage.
Less than 51% of your income comes from Centrelink.
Have no other active Beforepay loans.
You pass our credit assessment.
Awards

Our Awards & Recognition

There’s a reason why we’re Australia’s leading ethical leader.

Best Online Customer Service Innovation 2024
Best Online Customer Service Innovation 2024
Finder Innovation Awards

Recognising the positive impact of AI-enhanced processes and automation on the quality and satisfaction of customer interactions.

Ethical Lender of the Year
Ethical Lender of the Year
FinTech Awards 2023

Recognised for our unwavering commitment to customer-focused, ethical lending that prioritises and supports financial wellbeing.

Most Innovative Ethical Lender of the Year 2024
Most Innovative Ethical Lender of the Year 2024
APAC Australian Enterprise Awards 2024

Recognised for the ethical product design principles and lending safeguards that form the foundation of Beforepay’s innovative credit assessment technology.

 Best Ethical-Lending FinTech 2024
Best Ethical-Lending FinTech 2024
APAC Australian Enterprise Awards 2024

Recognised for the seamless integration of ethical lending principles, technological innovation, and sustainable growth into our customer-focused lending process.

Best App-Based Lending Company 2023 - Australia
Best App-Based Lending Company 2023 - Australia
APAC Business Awards

Recognised for the simplicity and convenience of the Beforepay app and its beneficial impact for our customers.

Ethical Consumer Lender of the Year
Ethical Consumer Lender of the Year
Australian Enterprise Awards 2025

Recognised for our leading commitment to safe lending practices, fee transparency, and inclusive access to fair finance.

Tech Female Leader of the Year
Tech Female Leader of the Year
Tech Fast 50

Beforepay CTO, Rajini Carpenter, recognised for her commitment to building innovative systems, championing inclusion and diversity, and inspiring more women to enter the tech space.

Financial Services Category
Financial Services Category
Australian Growth Company Awards

Recognised for our success in providing inclusive access to safe, short-term finance to more working Australians, supporting them when they need it most.

AI Tech Innovation Award 2026
AI Tech Innovation Award 2026
Australian Enterprise Awards

Recognised for the application of advanced AI and machine learning technologies into a human-focused credit assessment process.

Best Ethical Lender 2026
Best Ethical Lender 2026
Australian Enterprise Awards

Recognised for our relentless dedication to data-driven, ethical lending practices and product development that puts our customers first.

Consumer Lending: Overall Digital Lending Product of the Year
Consumer Lending: Overall Digital Lending Product of the Year
FinTech Breakthrough Awards

Recognised for our proprietary advanced credit risk technology, commitment to transparency, and built-in lending safeguards.

Fintech - Ethical Lender of the Year Australia
Fintech - Ethical Lender of the Year Australia
Pan Finance Awards 2023

Recognised for our foundational ethical lending practices that prioritise the financial wellbeing of our customers.

Beforepay
PAY ADVANCE
Personal Loans
From smaller short-term costs to bigger planned expenses.
Help with bills, groceries or unexpected expenses before payday.
For larger expenses like car repairs, travel or home essentials.
Get Started
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Applications are typically approved in under 60 seconds, though some applications may require additional review.

† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

‡ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.