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Dental loan options: covering emergency and planned 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.
A dental loan can make emergency or planned dental work easier to afford when it doesn't line up with your savings. Beforepay offers a Personal Loan of up to $5,000 to help cover dental costs, whether that's urgent treatment like an extraction or root canal, or planned work like crowns, fillings, orthodontics, or braces.
Even with private health cover, dental treatment often comes with out-of-pocket costs, and many clinics expect payment at the time of treatment rather than in instalments. A Personal Loan lets you pay the clinic upfront and spread the cost over your own repayment schedule instead.
Eligibility and affordability
Applications go through an affordability assessment based on your income and expenses, so approval isn't guaranteed. See the full criteria on our eligibility page.
Applying for dental finance
Apply online and, once approved, funds can be paid out in as little as 5 minutes for approved customers. Repayments are scheduled against your pay cycle so you know what's due and when. Read how it works or see our Personal Loan product page for details.
This information is general in nature and doesn't take into account your personal circumstances. It isn't financial advice. Approval is not guaranteed. Terms of Service and eligibility criteria apply.
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.
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Whether you’re covering a larger expense or planning ahead, Personal Loans give you clear repayments and flexible terms designed around your budget.
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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.
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.
Connect your bank
Connect your bank account to explore your loan options or use Beforepay's money tools.
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.
Common Questions
Transparent answers for confident borrowing.
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Some clinics require payment at the time of treatment, while others may offer payment options.
Dental expenses can vary widely and are sometimes urgent, especially if treatment is needed to address pain or prevent further issues.
Looking at what’s urgent and what can be planned can help you spread costs in a way that suits your budget.
Some plan ahead for expected costs, while others look at ways to manage payments as they arise.
Understanding the full cost, including any additional procedures, can help you plan more effectively.
Chosen by Over 1.7M Aussies
Plan, track, compare, and save with Beforepay’s free finance tools.
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.
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