Payment Plan Options

 In Dental 359 Blog

Payment Plans for Dental Work

Our boutique Perth based dental clinic is nestled in the heart of Subiaco. Our patients come from all over the world to visit and we are always excited to provide excellent patient care to them all. Our well experienced cosmetic dentists will most assuredly have all your dental needs covered. We appreciate that as life gets busy, dental work can move to the bottom of the priority list due to finances. To aid our patients with prioritising their dental treatment we offer a range of great dental payment options. Whether it is a Smile Makeover, Dental Implants, All-on-4 or other general dental treatments we can assist you with choosing the most suitable option for your specific treatment plan and support you in your application process.

The following steps are required before starting an application:

  • Initial Consultation
  • Diagnosis, Assessing Eligibility and Treatment Planning
  • Applying through the desired finance fund
  • Once approved, we commence treatment!

Paying for your Treatment Plan

We recommend taking time to investigate your dental payment options before proceeding with your treatment plan. We also recommend discussing your treatment with your Private Health Insurance Fund, your family, and/or your trusted financial advisor before deciding.

We are always available to help guide you through your treatment journey, including dental payment plan options for your treatment and key payment dates.

All treatment fees are to be settled, as outlined by your treatment plan, in a timely manner and according to our payment terms.



Your Dental Payment Options

1. Instant Payments

 Pay & Go

The easiest way to settle your account is by paying by credit card (VISA, AMEX, Mastercard), debit card, cash, or electronic bank transfer.

We also offer HICAPS (Health Industry Claims and Payments Service), which is a way for   private health insurance providers to process your claim at the time of payment.


2. Humm

Live Interest Free Forever

Sign up for fast approval and get Humming.

Buy ‘Little Things’ up to $2,000 or Buy ‘Big Things’ up to $30,000.
Repayments from weekly, fortnightly and repay over 6, 12, 24 up to 60 months.



3. SuperCare Australia

Pay for dental treatment with early release superannuation (on compassionate grounds)

SuperCare Australia has been helping individuals apply for early release of their superannuation to pay for major dental work. You may be able to make an application through the Australian Tax Office (ATO) to access your existing funds held in your superannuation fund for your retirement. There are very limited circumstances when you can access your superannuation early. You may be allowed to withdraw some of your super on compassionate grounds, for unpaid expenses. This means that you have no other means of paying for these expenses.

The amount of super you can withdraw is limited to what you reasonably need to meet the unpaid expense.


Definitions of Compassionate Grounds by the ATO include, needing money to pay for:

  • Medical treatment and medical transport for you or your dependant (including major dental)
  • Making a payment on a home loan or council rates so you do not lose your home
  • Modifying your home or vehicle to accommodate your or your dependant’s severe disability
  • Palliative care for you or your dependant
  • Expenses associated with the death, funeral, or burial of your dependant.


The super you withdraw is paid and taxed as a normal super lump sum. The tax rate depends on various factors, including your age and the components of the super lump sum. Your super fund will automatically deduct the tax from your super account. You can refer to t

he ATO on our How tax applies to your super and Super lump sum tax table for more detailed information.




4. Pretty Penny Finance

Affordable Medical Loans

Pretty Penny Finance is a specialised Australian finance company focusing on assisting you obtain a personal loan for cosmetic or dental procedures. You simply contact Pretty Penny, and they will handle the whole process from application right through to the funding for you. They have loan amounts available from $5,000 up to $80,000, with terms from 1 to 7 years (loans up to $63,000 are typically approved same day).  There is no upfront or out of pocket costs for the you and their interest rates are industry leading.


There are no payment penalties and paying the loan out early will reduce the interest payable.

Funds can be paid directly in one lump sum prior to the procedure.




If you require any further information or need assistance with your application please do not hesitate to speak to any member of our team. Our practice contact number is (08) 9388 3399.

You can also email us on with your enquiry or directly chat to us via our website:








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