What are my dental finance options?

A personal loan, credit card or buy now pay later are all options when it comes to paying for dental work.

Personal loan

Our personal loan for medical expenses can help if your procedure hasn’t been covered by Medicare, you have out of pocket insurance costs, or you’ve found yourself in need of emergency dental work.

With an unsecured personal loan you can borrow from $5,000 to $55,000, get your funds in as little as one business day, and enjoy no penalties or exit fees. Learn more about a personal loan for medical expenses.

Credit card

Another option for dental finance is a credit card. NAB has several credit cards available that could help you pay for your upcoming dental work. Explore our credit cards, opens in new window and find one that suits your needs.

Buy now pay later

NAB Now Pay Later, opens in new window could be a convenient way to pay for your next trip to the dentist. Just remember that all your NAB Now Pay Later purchases must be paid off in four fortnightly instalments.

Understanding dental loans

A loan for dental work is usually a personal loan that can be used to pay for dental work like retainers, cosmetic dentistry and dental implants.

Dental work can be expensive – even routine check-ups and small procedures likes fillings and x-rays can leave you hundreds of dollars out of pocket. Orthodontics like braces can cost thousands and emergency dental work, like fixing a broken tooth, can also be expensive – the pain and discomfort also often means the cost can’t be put off. If you’ve found yourself in a dental emergency and aren’t sure how to cover the expense, it’s time to explore which dental finance options could help you get the treatment you need. 

What treatments could I use a dental loan for?

A dental loan can be used for all kinds of dental treatments, from a routine check-up to cosmetic dentistry or tooth repair. Here are some of the procedures you could use a dental loan to pay for:

  • orthodontics like braces and retainers
  • prosthodontics like fillings, dentures, veneers, ceramic crowns and dental implants
  • dental surgery.

How much can I borrow with a dental loan?

If you need a loan for dental treatment, how much you can borrow depends on your income, assets, debts, expenses and credit score. Use our personal loan borrowing power calculator to estimate how much you could afford to borrow with a NAB Personal Loan.

Products you might be interested in

Personal loan for medical expenses

Learn more about getting a NAB Personal Loan for medical and dental expenses.

Credit cards

Compare between our credit cards to find the right one for you.

NAB Now Pay Later

Make purchases online or in store with NAB Now Pay Later. Four easy instalments with no interest or fees.

Other ways we can support you

Coping with illness

Find out how to be financially prepared for serious illness in retirement while minimising your insurance costs.

How to get financial help when you're sick or injured

Our financial guide may be able to help if your income is affected.

How to plan for unexpected illness and injury

Our step-by-step checklist will guide you through the process.

Important information