For most people, starting a smile makeover journey can seem out of reach due to the cost implications of dental veneers. Many individuals hesitate to pursue veneer treatments because of financial concerns. Fortunately, various personalised finance plans can make dental veneers more affordable and accessible for everyone.

This blog post will explore the different dental veneer payment plans that are available. We will provide detailed information on how to manage veneer costs effectively. By understanding these options, you can achieve your dream smile without breaking the bank.

  • Dental veneers represent a significant investment, but financing plans can make them more affordable and accessible for everyone.
  • Traditional dental loans often require extensive paperwork and credit checks, while in-house payment plans usually offer quicker approvals.
  • SuperCare allows early release of superannuation to cover dental costs, making procedures more affordable for eligible patients.
  • Penny Finance offers unsecured personal loans for dental procedures with flexible repayment plans and terms of up to seven years.
  • MediPay provides fast approval for dental loans with fixed interest rates and repayment periods ranging from six months to five years.
  • Zip offers flexible payment plans through Zip Pay and Zip Money, with interest-free periods and manageable weekly repayments.
  • Afterpay offers interest-free instalments for dental procedures, with both short-term and long-term payment options.
  • Government programs like the Child Dental Benefits Schedule offer financial support for basic dental services for eligible children aged two to seventeen.

Understanding the Basics of Dental Financing

For individuals considering dental veneers, understanding the available financing options is crucial. Dental veneers represent a substantial investment, and financing plans can significantly ease the financial burden. By exploring different financing options, patients can manage the cost of dental veneers without straining their budget planning.

Awareness of various financing plans helps in making well-considered decisions about dental veneer procedures. Options such as interest-free dental finance and flexible repayment schedules are often available. Choosing the right financing plan makes achieving your dream confident smile both affordable and accessible.

Traditional Dental Loans vs. Payment Plans

Financing dental veneers can be approached in different ways. Two common methods are traditional dental loans from banks and in-house payment plans provided by dental clinics. Knowing the differences between these options can help you choose a more suitable way to manage the cost of dental veneer treatments.

Here’s a detailed comparison:

FactorTraditional Dental LoansIn-House Payment Plans
Application ProcessRequires extensive paperwork and complex credit checksUsually involves simpler, quicker approval processes
Interest RatesVaries, often based on credit scoreMay offer completely interest-free payment plans
Repayment TermsFixed monthly instalments or payments over a set periodFlexible, can be tailored to patient’s needs
Loan AmountsCan be larger, covering extensive treatmentsGenerally smaller, covering even advanced procedures
Approval TimeCan take several days to weeksOften approved on the same day
Credit ImpactAffects credit score based on payment historyMay have minimal or no credit score impact

Choosing the right dental veneer financing option can make them more affordable and less stressful. Whether you opt for a traditional loan or an in-house payment plan, it’s important to consider what works well for your financial situation and dental needs.

Third-Party Financing Companies

In addition to traditional loans and in-house payment plans, third-party financing companies offer another way to fund dental procedures. These companies provide financial plans to help patients manage the cost of dental veneers. Here are several reputable third-party companies that can assist with financing dental procedures:


SuperCare allows patients to take advantage of an early superannuation release to cover dental prices. They facilitate the application process for compliance with regulations. This service helps make dental procedures more affordable for those who may not have immediate funds available.

Application Process:

  1. Patients schedule an appointment with the clinic and express their interest in using SuperCare.
  2. The clinic submits the patient’s details to SuperCare via an online referral form.
  3. A SuperCare consultant reaches out to the patient to discuss eligibility.
  4. The patient is registered as a SuperCare client and starts the Compassionate Release of Super (CRS) application process.
  5. SuperCare contacts the clinic to obtain a support letter for the CRS claim.
  6. The GP signs the CRS form.
  7. The application is reviewed and submitted to the ATO.
  8. Standard assessment takes up to ten business days from submission.
  9. Once approved, the clinic is notified, and funds are released within five to seven business days.


  • Utilises your superannuation savings
  • Covers a wide range of dental treatments, including orthodontics, implants, and more
  • One-time application fee
  • Processing time may vary based on individual circumstances
  • Ongoing administrative support during the application process

Penny Finance

Penny Finance offers unsecured personal loans for dental procedures with flexible repayment terms. Their entire process is straightforward, making it easier for patients to get the needed funds. This option is ideal for those who prefer not to use their superannuation.

Application Process:

  1. Apply online via Penny Finance’s website.
  2. Provide necessary financial and personal details.
  3. Talk to an agent to finalise your application.
  4. Submit proof of income and employment.
  5. Undergo a credit history check.
  6. Receive approval and funds transfer.


  • Loans range from $2,000 to $70,000
  • Competitive interest rates based on creditworthiness
  • Flexible repayment plans and terms of up to 7 years
  • No collateral is required
  • Option for early repayment without penalty


MediPay focuses on healthcare financing, including dental procedures. They offer fast approval and simple application processes, making it convenient for patients. This company aims to make oral care more accessible by providing tailored financial options.

Application Process:

  1. Answer a series of questions on the MediPay website to quickly determine eligibility, with instant results provided.
  2. If eligible, complete the straightforward online application, which takes less than five minutes.
  3. Expect a decision via email within 60 minutes.
  4. MediPay will handle payment directly with your doctor, eliminating any payment concerns.


  • Loans up to $30,000
  • Fixed interest rates
  • Repayment periods, ranging from six months to five years
  • No early repayment fees
  • Loan approval fee based on the loan amount: $140 for loans under $3,000; $295 for loans from $3,000 to $4,999; $395 for loans from $5,000 to $9,999; $495 for loans from $10,000 to $14,999; $595 for loans of $15,000 and over
  • Requires monthly administration fee of $10, included in repayments


Zip provides flexible payment plans for dental procedures through its Zip Pay and Zip Money services. Patients can choose a payment plan that suits their needs, with the option to spread the costs over time.

Application Process:

  • Apply for a Zip account online in minutes.
  • If you have started an application, continue it online.
  • Once approved, activate your account by visiting the activation page, entering your mobile number, and following the prompts.
  • Link a valid payment method to your Zip account.
  • Carefully read and accept your contract and T&Cs.


For Zip Pay

  • Up to $1,000 credit limit
  • Interest-free dental finance
  • No establishment fee
  • $9.95 monthly account fee
  • Repayments start from $10 per week
  • Tap to pay anywhere that accepts Contactless Payments

For Zip Money:

  • Up to $5,000 credit limit
  • Three to 60 months of interest-free dental finance
  • One-off account establishment fee may apply for new customers
  • $9.95 monthly account fee
  • Repayments start from $10 per week or 3% of the outstanding balance (whichever is greater)


Afterpay offers flexible payment options for dental procedures, allowing patients to pay the costs in manageable instalments. This service enables both short-term and longer-term dental payment plans, making it a popular choice for managing costs conveniently.

Application Process:

  • Sign up for an Afterpay account online or through the mobile app
  • Link your account to a valid debit or credit card
  • Choose Afterpay as your payment method at participating dental clinics
  • Approval is instant, and there is no credit check required for the pay-in-4 option


Pay in four:

  • Pay over six weeks with four equal manageable instalments
  • Make the first payment up front and the rest of the amounts over time
  • Always interest-free when paid on time

Pay Monthly:

  • Suitable for high-value orders over $400
  • Offers six or 12-month interest-based repayment options
  • Requires a soft credit check with no bad credit score impact
  • A downpayment may be required
  • Available only at select merchants.
  • Option to choose “Pay Monthly” presented during checkout if eligible.

Choosing a third-party financing company can further simplify the process of managing the cost of dental veneers. Each company offers unique benefits, allowing patients to select the alternative financing option that suits their needs.

Government and Non-Profit Financing Assistance

Beyond third-party financing, there are also government and non-profit programs that can assist with dental procedure costs. These programs provide added support, making high-quality dental care more accessible to a broader audience. Below, you’ll find information on various government and non-profit programs that offer financial assistance for dental procedures.

DVA Cardholders Benefits

The Department of Veterans’ Affairs (DVA) provides dental benefits to eligible veterans and their dependents. These benefits include a range of dental services, such as preventive care, restorations, and dentures. To access these benefits, veterans need to present their DVA card at participating dental clinics. The DVA covers the upfront cost directly, helping veterans receive the oral health care they need without out-of-pocket expenses.

Child Dental Benefits Schedule (CDBS)

The Child Dental Benefits Schedule (CDBS) is a government program providing financial support for basic dental services for children aged zero to 17. Eligible families can access up to $1,095 over two years for dental services such as exams, X-rays, cleanings, fillings, and extractions. Services are available in both public and private dental clinics. Families can check their eligibility and claim benefits through Medicare.

Government and non-profit programs play a crucial role in providing financial assistance for dental care. These dental payment options help make treatments accessible to all, regardless of financial circumstances.

Health Funds and Dental Veneers

Health fund providers offer another avenue to help cover the costs of dental procedures, including veneers. Below, we will explore dental health funds for veneer financing, including potential costs covered and tips for maximising long-term benefits.

Health funds, also known as private health plans, provide financial support for various medical and dental treatments. These plans often include benefits for dental services such as check-ups, cleanings, and sometimes more complex procedures like veneers. By paying monthly or annual contributions, members can receive reimbursements or direct payments for these services, reducing the overall cost of veneers.

To maximise the benefits of health fund cards for dental veneers, consider the following tips:

  1. Check your policy details:
    Review your health fund policy to understand what dental services are covered and the limits for the type of cosmetic treatment.
  2. Choose a participating experienced dentist:
    Many health funds have networks of preferred providers offering higher benefits and lower out-of-pocket costs.
  3. Schedule regular dental check-ups:
    Regular dental visits can help maintain your oral health and identify any issues early, potentially saving money in the long run.
  4. Submit claims promptly:
    Submit your dental claims as soon as possible after treatment to avoid reduced reimbursements or claim denials.
  5. Understand waiting periods:
    Be aware of waiting periods before you can claim benefits for certain treatments and plan your cosmetic procedures accordingly.

Health fund benefits can greatly reduce the cost of treatment when used effectively. Knowing your policy and applying these tips can help you make the most of your benefits and minimise dental expenses.

Choosing the Right Financing Option for You

After exploring various financing options for dental veneers, it’s essential to determine which option suits your financial situation and dental needs. Choosing the right dental financing option can help manage average costs effectively while getting the dental care you need. Below are tips to guide you in selecting the right financing option:

  1. Assess your financial situation:
    Evaluate your current financial status, including income, expenses, and existing debts. Understanding your finances helps you choose an affordable financing option.
  2. Consider interest rates:
    Compare interest rates across different financing options. Low interest rates can reduce the actual cost of your dental veneers.
  3. Evaluate repayment terms:
    Look at the repayment period and monthly payment amounts. Select a plan with manageable payments that fit your budget.
  4. Check eligibility requirements:
    Check if you meet the eligibility criteria for the financing options you are considering. This can include credit score requirements, income level, and residency status.
  5. Understand the application process:
    Familiarise yourself with the application procedures for each financing option. Knowing the steps involved can help you prepare the necessary documents.
  6. Look for flexible veneer payment plans:
    Some financing options offer flexible repayment schedules. Choose a plan that allows you to adjust payments if your financial situation changes.
  7. Review any additional costs:
    Be aware of any extra charges, such as application process fees, late payment penalties, or annual charges. These can add to the initial cost.
  8. Seek professional advice:
    Consult with your dentist or a financial advisor to get personalised recommendations. They can provide insights into the ideal dental veneer financing option for your specific needs.

Selecting the right financing option involves careful consideration of your financial circumstances and the flexible payment terms of each plan. By following these tips, you can make a decision that aligns with your budget assessment and dental care needs.

Final Thoughts

Selecting the right financing option can make achieving your ideal smile journey more affordable. By understanding your financial situation and exploring various plans, you can find the one that fits your needs. This way, you can confidently move forward with your dental care.

At Dentalcare of Forrestfield, we’re committed to helping you afford the smile you’ve always wanted. Contact us today to discuss various dental veneer financing options. With our professional guidance, you can start your journey to a brighter, more attractive smile.