Personal Loans for Dental

Get the smile you want sooner

Personal loans up to $50,000 for dental work—because your smile is worth it!

Loans as they should be

  • Borrow up to $50,000 for a range of loan purposes
  • Simple online application
  • Loan terms from 12 to 60 months
  • No early repayment fees
  • Fast finance – funds typically disbursed within 24 hours of approval

Learn more about our dental loans

Finance Your Smile with Easy Dental Loans

Your smile is worth investing in. Whether you need essential dental work or you’re finally ready for a cosmetic treatment you’ve been putting off, Rapid Loans can help with fund those important aspects of your health, including dental loans over $2,000. We provide simple, flexible finance options so you can get the dental care you need, without the stress of paying it all upfront. 

Tailored Loans for Dental Treatments

Dental expenses and needs can vary, with procedures ranging from a one-off crown, or ongoing orthodontics that require consistent care. To cater to your unique needs, we have a range of dental loans that cover you for up to $50,000 worth of treatments and terms you can repay between one and five years. 

You can use your dental loan throughout Australia for everything from general dental work like fillings and maintenance care like gum shields through to more serious work like orthodontics, covering braces and clear aligners. If you’re looking to undergo cosmetic procedures for aesthetic reasons, ranging from something like a whitening program through to more intensive work like veneers, oral surgery, or even implants and crowns, we can approve loans for those procedures, too. With a simple online application process, a loan tailored exactly to your needs and flexible repayment terms, it’s never been easier to get the smile you’ve always wanted. 

How to Apply for a Dental Loan

As with all of our loans, when it comes to how it works, we’ve kept the process as simple and straightforward as possible. First, you’ll need to start by filling out our secure online application, which will only take you a few minutes. The details we’ll ask for include some ID, what your current income and ongoing expenses are, verified by documents such as your bank statements and recent payslips. 

From there, one of our experienced team will assess everything you’ve sent through. We’ll look through what you need and compare it with our lending criteria and from there, if you receive approval, you’ll get your dental loan funds very quickly. So no matter if you need to sort an emergency appointment or simply want to finally get some cosmetic dentistry done, we can help you get there quickly with little to no fuss and plenty of support. 

Dental Loans vs Medical Loans: What’s the Difference?

While dental loans and medical loans work in a similar way, both of them being classified as personal loans that can be used for health-related expenses, there are a few differences. This mainly comes down to the purpose behind a medical loan vs a dental loan. 

Dental loans are specifically used for dental treatments and oral health care, which can include emergency dental work through to aesthetic changes. Medical loans generally cover a broader range of healthcare costs, from consultation fees and specialist services to surgery and physiotherapy.

With Rapid Loans, you can choose the loan type that matches your needs and get the same level of support.

Why Use Rapid Loans for Dental Financing?

When you get a dental loan from Rapid Loans, you’ll be working with a provider with over 20 years of experience supporting Australians with personal finance. No two people are the same and nor should their loans be, which is why we offer loan amounts starting from over $2,000, ranging all the way up to $50,000 with flexible repayment options tailored to your needs. 

We endeavour to make the loan application process as quick and easy as possible. You can take care of your application in just a few minutes and from there, our dedicated team will take you through the next steps. Whether you’re looking for a way to arrange essential dental work or simply want to treat yourself to a smile upgrade, we’re here to help.

How It Works

Why go with Rapid for your loan?

Loans Tailored to You

Our auto and personal loan products were created with our customers in mind. We live in the real world too, so we created flexible loan solutions to suit most circumstances.

Quick and Easy Process

Our online application takes just minutes and our secure online portal allows you to upload your essential documents quickly and conveniently.

Personalised Service

Like everything at Rapid, we make sure dealing with our professional customer service representatives is straightforward and simple. We’re here for you!

Trusted Lender

We’ve funded loans for over 50,000 happy customers to make life happen. Our people are experienced, professional and understand that life isn’t always straightforward.

Explore Our Other Loan Types

Medical Loans

For when its time to prioritise your health

Renovation Loans

For when the house needs a refresh

Wedding Loans

For that very special day

Travel Loans

For your next dream holiday

Dental loan questions

What is a dental loan?

A dental loan is a personal loan that is used specifically for dental expenses. Loans for dental can be used on procedures such as orthodontic work, cosmetic dentistry, or general dental procedures. The loan amount and repayment terms will vary depending on the lender and your creditworthiness. Dental loans can be a useful option if you need to finance expensive dental treatments that are not covered by insurance. Rapid Loans offers customers around Australia access to dentistry loans so they can focus on the more important things in life. A dental loan with Rapid Loans is anywhere from $2,001 up to $50,000 and can be on a loan term of 24 months up to 36 months. Get in touch with our team today to see if a Rapid Loans dental work loan is for you.

How quickly can funds be available for dental care?

If your loan is approved, funds can be transferred promptly so you can schedule your treatment without unnecessary delays. In some cases, the process can go from application through to having the funds in your bank within the same working day.

What documentation is needed?

When you apply online, you’ll need to give us a few basic things like some identification, proof of income, and other details to help us assess your application. We’ll confirm exactly what’s required when you apply.

Can I finance elective dental work?

Yes, absolutely. You aren’t limited to emergency dental work only, our loans can also be used for elective dental treatments, including cosmetic procedures such as whitening, veneers, and orthodontics.

Where can I get loans for dentist work?

You can get finance for dentists from a variety of lenders, including banks, credit unions, online lenders, and dental financing companies. Rapid Loans specialises in tailored loans for our customers so you can get to your big goals sooner. Our dental loans are easy to apply for and you’ll often find out if you’re approved within a couple of hours. A dentist loan is like a personal loan and interest rates and loan terms can vary depending on each customer. If you have a good credit score, you may be able to qualify for a lower interest rate, which can save you money over the life of the loan. Before you apply for a dental loan, make sure you have a clear understanding of the loan terms and repayment schedule, so you can make informed decisions about your finances.

Am I eligible for a dentistry loan?

Eligibility requirements for dentistry loans will vary depending on each person, but typically you will need to meet certain criteria to qualify. You will need to have a good credit score and a steady income, as well as provide proof of identity and residency. At Rapid Loans, depending on your circumstances, we may require a co-borrower. Your loan for dental with Rapid Loans is also a secured loan, so we will take security on an item such as a car or home. If you have a bad credit history or a low income, you may have more difficulty qualifying for a dentistry loan, but at Rapid Loans we are committed to assessing every application individually.

What can dental loans be used for?

Dental loans can be used to pay for a variety of dental expenses, including routine cleanings, fillings, crowns, braces, dentures, and cosmetic procedures. These loans are designed to cover out-of-pocket costs that are not covered by insurance, such as deductibles, co-payments, and elective treatments. Dental loans can also be used to cover unexpected dental emergencies, such as a broken tooth or infected gum. Before you take out a dental loan, make sure you have a clear understanding of the costs associated with your treatment plan, so you can make informed decisions about your financing options. A dental loan with Rapid Loans is anywhere from $2,001 up to $50,000 and can be on a loan term of 24 months up to 36 months. Get in touch with our team today to see if a Rapid Loans dental work loan is for you.

When are loans for dental work a good idea?

Dental loans can be a good idea if you need to finance expensive dental treatments that are not covered by insurance. For example, if you need orthodontic work or cosmetic dentistry, a dental loan can help you spread out the cost over time, so you don’t have to pay for everything upfront. However, dental loans may not be the best option for everyone. At Rapid Loans, we make getting a dental loan stress free, so you can worry about getting your teeth fixed and not about how you’ll pay the dentist. Before you take out a dental loan, make sure you understand the costs associated with the loan, and consider whether there are other financing options available to you.

When considering a dental loan, it is essential to ensure that you can afford the repayments. If you cannot keep up with the loan repayments, it can negatively impact your credit score, making it challenging to get credit in the future. Therefore, it is crucial to calculate the cost of the loan, including any fees or charges, and assess whether it is feasible for you to repay the loan. You should also consider any other expenses you have, such as rent or bills, to ensure that you can afford to take on new debt. If you are unsure whether you can afford a dental loan, it may be helpful to speak to a financial advisor or a dentist who can provide advice and guidance on your options.

Loans for dentistry can be an excellent solution for those who need dental work but cannot afford to pay for it upfront. It is important to do your research and compare the different loans’ costs, fees, and repayment terms to find the best option for your needs. By being mindful of your finances and carefully considering your options, you can ensure that you receive the dental care you need without putting your financial stability at risk.

How do dental loans work?

Dental loans are personal loans that are specifically designed to cover dental expenses. You will need to apply for the loan and provide information about your income, expenses, and other personal details. The Rapid Loans team will review your application and determine whether or not you qualify for the loan. If you are approved, we’ll let you know how much you can borrow, which you can use to pay for your dental expenses. You will then need to repay the loan, usually over a fixed period of time with interest. The interest rate and repayment terms will vary depending on each person and their circumstances.

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