Dental loans | Options for dental finance - NAB

What are my dental finance options?

A personal loan or credit are both 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.

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 and find one that suits your needs.

Financial certainty in times of need

Cover dental expenses with a NAB Personal Loan. Borrow from $5,000 up to $55,000, with fixed repayments, fast funding in as little as one business day and no penalties or exit fees, so you can focus on recovery, not finances.

Explore a personal loan for medical expenses
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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 like 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.

Borrowing power calculator

If you need to fund braces, fillings or veneers, use our personal loan borrowing power calculator to estimate how much you could afford to borrow with a NAB Personal Loan.

Repayment calculator

Use our personal loan repayment calculator to estimate your personal loan repayments.

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.

Choosing between a credit card or personal loan

Key differences between credit cards and personal loans.

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

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.