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Three ways to pay for implants

Most dentists hand you a quote and leave you to work it out on your own. This page is the opposite of that. Pick the sentence that describes you and we will show you what that route actually involves, how long it takes, and who makes the decision.

Route 01

Pay outright

You have the funds and want to start now.
How long
Now
Who decides
You

Route 02

Payment plans

You want to spread it out and start soon.
How long
Usually days
Who decides
Clinic or provider

Route 03

Early release of super

You are in pain and cannot otherwise afford it.
How long
1 to 3 months
Who decides
The ATO

It is not just about teeth

When your teeth affect your everyday life

You deserve to understand your options.

Avoiding certain foods. Hiding your smile. Putting off a conversation because you are worried about the cost. If any of that feels familiar, you are not alone.
Start with a conversation. A consultant can explain the treatment options and ways to pay, then help arrange an assessment with an independent partner dentist when you are ready.
Talk to a consultant

The real difference

How long until treatment starts

This is what actually separates them.

All three end in the same place. What changes is how long you wait between having the written plan in your hand and the clinic booking your dates.

Pay outright

Decision: You

Now

Payment plans

Decision: Clinic or provider

Usually days

Early release of super

Decision: The ATO

1 to 3 months

Plan in hand

Within a week

1 to 3 months

Schematic, not a promise. Payment plan decisions are made by the provider and ATO decisions are made by the ATO, and neither is guaranteed. The timeframes are what we typically see, not commitments. We are paid by the clinic, not by any finance provider and not by any super fund, so we have nothing to gain from steering you towards one route over another. Get Dental Implants does not provide financial advice.

Which is likely yours

Start from your situation

Not a diagnosis, and not an approval. Just the route that usually fits, so you know what to ask about on the first call.

"I have the money, I just want it done."

Then nothing is standing between you and a treatment date except the written plan. No application, no approval, no waiting on anyone else.
What paying outright involves

"I can manage something each month."

A payment plan is the option most people end up on. Pensioners and people on Centrelink are not automatically ruled out, though approval is always the provider's decision.
What a payment plan involves

"I am in pain and I have nothing spare."

This is the situation early release of super exists for. It is slow and it is conditional, and only your dentist can assess whether you are likely to qualify.
What a super application involves

"I have no idea where I stand."

That is the most common answer we get, and it is what the first call is for. It is free, there is no credit check to talk, and you are not committing to anything.
Talk to a consultant

In detail

What each one involves

Including the parts nobody enjoys explaining.

Option one

Pay outright

Nothing to apply for.

If you have the funds, this is the shortest route there is. You take the written plan from your consultation, you tell the clinic which option you are going with, and they book your treatment dates.
You pay the dentist directly. We never handle your treatment payment. There are no upfront fees for our service.

What it typically involves

  • No application, no approval, no waiting
  • You pay the clinic directly, never us
  • Treatment dates booked as soon as you are ready

Option two

Payment plans

Spread it out, start sooner.

Plans are arranged by the clinic or by an independent finance provider, not by us. Terms, interest and approval are set by that provider, and approval is never guaranteed.
This is the option most people end up on. Pensioners and people on Centrelink are not automatically ruled out, and your consultant will tell you which providers the clinic works with before you apply.

What it typically involves

  • An application to the clinic or a finance provider
  • A decision usually within days
  • Repayments set by the provider, not by us

Option three

Early release of super

Your own money, not a loan.

Early release on compassionate grounds is decided by the ATO. The requirement is acute or chronic dental pain, that the treatment is not readily available through the public health system, and that you cannot otherwise afford it.
A treating dentist has to support the application, and the ATO also requires a second report, typically from a GP or specialist. Only the dentist can assess whether you are likely to qualify. Our consultants cannot, and nobody can guarantee an ATO approval.

What it typically involves

  • Your dentist provides the reports the ATO requires
  • A second report, typically from a GP or specialist
  • You apply directly using the ATO's instructions

Early release of super

The one that needs the most care

Because it is the one most often misrepresented.

Compassionate release is a real pathway and it helps a lot of people. It is also conditional, slow, and decided entirely by the ATO. Anyone telling you otherwise is selling you something.

01

The eligibility test

The ATO requires acute or chronic dental pain, that the treatment is not readily available through the public health system, and that you cannot otherwise afford it. All three, not one of them.

02

The two reports

A treating dentist has to support the application. The ATO also requires a second report, typically from a GP or a specialist. Only the dentist can assess whether you are likely to qualify.

03

The decision and the wait

The ATO decides, then your super fund runs its own release process. In our experience the whole thing typically takes one to three months, and nobody can guarantee an approval.
About super. Early release is decided by the ATO, requires acute or chronic dental pain, and is never guaranteed. Read the ATO's rules. Get Dental Implants does not provide financial advice.
Read how using super works
Ask a consultant first

Before any of this

You need the number first

You cannot fund a figure you do not have.

Every route on this page starts from the same place: a written treatment plan with itemised costs and different cost options to suit your budget. Until that exists there is nothing to apply for and nothing to compare.
The consultation that produces it is $75, and it is your only out of pocket cost to see the dentist. Not sure which treatment you would be funding? Start with the treatments, or read how the cost is built up.

Every guide to paying

One route or situation each, worked through properly.

Using super for dental implants

Early release on compassionate grounds, and what the ATO requires

Dental implant payment plans

Who decides, how long approval takes, and what to ask

No deposit dental implants

What no deposit finance really costs over the term

Dental implants for pensioners

Paying on a pension or Centrelink, and what to check first

Common questions

About paying for it

About paying for it, in plain terms.

Money questions are the ones people are most awkward about asking. Ask them on the call. It is free and nobody is judging.

Ask before you apply anywhere.

Tell us roughly where you stand and a consultant calls you back, usually the same day, with the routes that are actually realistic.

Book your $75 consult →
You may be eligible. Early release of super on compassionate grounds is decided by the ATO, and the requirement is acute or chronic dental pain, that the treatment is not readily available through the public health system, and that you cannot otherwise afford it. A treating dentist has to support the application, and the ATO also requires a second report, typically from a GP or specialist.
Only the dentist can assess whether you are likely to qualify. Our consultants cannot, and nobody can guarantee an ATO approval. Your dentist provides the clinical reports and you apply directly using the ATO's instructions.
In our experience it typically takes one to three months from lodging to a decision, and the reports from your dentist and second practitioner have to be in place first. Your super fund then has its own release process after an approval.
That timeline is our experience rather than a commitment by the ATO, and it is one of the reasons a payment plan suits people who need to start sooner.
You are not automatically ruled out. Providers assess on their own criteria and some specialise in applicants that mainstream lenders decline, including pensioners and people on Centrelink payments.
Approval is decided by the provider, never by us, and it is never guaranteed. Your consultant will tell you which providers the clinic works with before you apply anywhere.
The first consultant call is free. You pay the $75 consultation fee to the clinic, and if you proceed, you pay the clinic directly for treatment. We never handle your treatment money.
No, and most people cannot, because until you have the written plan you do not know the number you are funding. The consultation comes first and the funding conversation follows it.
What the consultant does beforehand is tell you which routes are likely to be open to you, so there are no surprises on the day.
No. Get Dental Implants is not a financial adviser and does not provide financial advice. We explain the routes at a general level, connect you with a treating dentist, and point you to the ATO's own material on early release.
Decisions about your super, your credit and your money are yours, and you may want independent advice before making them.

Your next step

Work out if this is right for you.

A consultant talks you through treatment, likely costs and all the payment options on the phone, so you have a clear picture before deciding what to do next.
  • A consultant calls you, usually the same day
  • The call is free and obligation free
  • No judgement, whatever state your teeth are in
$75 Valued at $375

Talk to a consultant

Three quick questions, then your details. A consultant calls you, usually the same day.

How many teeth are missing or failing?
How are you thinking of paying?

There is no wrong answer, and nothing here is a commitment. It only tells the consultant what to talk you through first. Early release of super is decided by the ATO, requires acute or chronic dental pain, and is never guaranteed. Read how each route works.

We will only use your details to contact you about dental implant treatment. Read our privacy policy.