Payment Plans mobile

At Melbourne Dentist we offer the following payment options.

  • We accept cash, eftpos and credit cards (Visa, Mastercard and AMEX)
  • Instantly claim electronically from your private health insurer using HICAPS
  • Various longer-term repayment plans, including an interest free payment plan

Have you considered applying for early release of your super to pay for your dental expenses?

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AFFORDABLE PAYMENT PLANS

We understand that complex dental treatments can be difficult to budget for. If your treatment plan is moderate or complex, it can be spread out over time to defer these costs and ease this burden, but your underlying problems will just continue to worsen.

We saw this happen all the time – and the dental insurance industry actually encourages and trains it’s clients to think like this. Over the years they’ve set ever lower rebates and yearly maximums that forces people to think and act exactly how they want them to – to complete treatment (and therefore claim rebates) slowly over time.

This is good for their business, but it’s so narrow minded.
This way of thinking is never good for the health and comfort of their clients.
Necessary treatment always ends up being far more complicated and costlier when it’s deferred like this.
And if you have complex needs, your treatments never completed ideally when its broken up and completed over many years.

We’d like to help you get the dentistry you want and need right now.
And we’d like to see you comfortable and confident in the health of your teeth by offering you various payment options – options that allow you fit fine dentistry into your budget with affordable monthly payments.

Some people just wish to pay off treatment over a 6 to 12-month period and therefore not incur any interest.
But for others, a longer period of 4 to 5 years can make payments much easier to fit into their budget.

How our DentiCare Interest free Plans work:

denticare

Complete a simple, one-page direct debit form – no need for credit checks or detailed financial information

Pay a once-off $39 set-up fee

20% deposit of the agreed plan value is payable at the beginning of treatment

Fund from $500 up to $25,000

Payment terms:

  • Up to 3 months interest free for plans of $500 – $1,999
  • Up to 6 months interest free for plans of $2,000 – $9,999
  • Up to 12 months interest free for plans of $10,000 +

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How our National Dental Plan Interest free plans work:

ndp

NDP’s application process is simple and efficient and only takes a few minutes to complete at reception.

You pay an establishment fee of $70 to set up the account and a $8 monthly fee

20% deposit of the agreed plan value is payable at the beginning of treatment

Fund up to $12,000

Payments are debited fortnightly from your nominated bank account or credit card.

Up to 2 years interest free plans are available

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How our Pretty Penny Finance plans work:

pretty

PPF provides an obligation free quote that doesn’t affect your credit file

No upfront costs or deposits are required

Finance from $2,000 to $70,000 with terms from 6 months to 7 years. Loans up to $50,000 are typically approved on the same day

Interest rates from 5.49%

There are no early repayment charges and no early exit fees

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As an example, let’s work through a plan to the value of $10,000.

First let’s consider using our Denticare interest free option:

  • A deposit of $2,000 (20%) would be payable at the commencement of treatment.
  • Monthly repayments of $667 would then be drawn over the next 12 months ($667 X 12 = $8,000)

Would $667 be a stretch to fit into your budget?
Why not make repayments over a longer period, say 2 years?

Using our National Dental Plan interest free option:

  • A deposit of $2,000 (20%) would be payable at the commencement of treatment.
  • Fortnightly repayments of $154 would then be drawn over the next 24 months ($154 X 52 = $8,000)

Want to reduce your monthly repayments even further?
Why not make repayments over an even longer period, say 4 years?

Using our Pretty Penny Finance option:

  • A deposit is not necessary at the commencement of treatment.
  • Fortnightly repayments could be reduced to around $112 over the next 48 months (assumes an interest rate of 8%*)

So if you’d like to put things right in your mouth without delay, discuss your needs with our treatment coordinator after your first visit.
They’ll help you choose a plan that suits your budget and lifestyle.

*Actual repayment amount depends on interest rate applied, determined on a case by case basis by Pretty Penny Finance

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Melbourne Dentist