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Ways to pay

No deposit dental implants

No deposit means you can start treatment without a lump sum up front. It does not mean it costs less. This is how no deposit plans usually work, what is worth comparing, and the questions that stop people paying more than they needed to.
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Compare all three routes
The first call is free and obligation free, and cost is usually the first thing people ask about.

At a glance

Who offers it

Some clinics and finance providers, not every one

Who decides

The provider, on their own criteria

How long

Usually days, once you have the written plan

Guaranteed?

No. Approval is always the provider's decision

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.
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What it is

What it actually is

Nothing up front. Not nothing overall.

A no deposit plan pays the clinic for your treatment, and you repay the provider over an agreed term instead of handing over a lump sum first. It is offered by some clinics and some independent finance providers, depending on the provider and on what they decide about your application.
The deposit is only one part of the cost. Interest, establishment fees and monthly account fees are where two plans with the same weekly repayment can end up a long way apart, so the figure worth comparing is the total you repay over the whole term.
What treatment costs
See the treatments

What it involves

  • An application to the clinic or an independent finance provider
  • A credit assessment, which may include a credit check
  • Interest, fees and the term, all set by that provider
  • Treatment dates booked once the plan is approved

Before you start

What has to be true

Set out plainly, so you can weigh it up yourself.

This is a guide to the conversation rather than a decision. Nobody on our side makes that decision, and this page is not advice about your own circumstances.

Usually worth asking about when

  • You can manage a regular repayment but do not have a lump sum to put down
  • You want to start sooner than an application to release super would allow
  • You would rather keep your savings for something else
  • You have been asked for a large deposit elsewhere and want something to compare it with

Worth knowing before you apply

  • With no deposit, more of the treatment is financed, so there is more to pay interest on
  • A lower weekly repayment over a longer term almost always costs more in total
  • Some plans charge establishment and monthly fees on top of interest. Ask for every one of them in writing
  • A missed repayment can bring late fees and can show up on your credit file

Step by step

How it actually runs

Including the parts nobody enjoys explaining.

Timings are what we typically see rather than commitments, because the decisions are not ours to make.

1

The consultation

Nobody can offer you a plan until there is a figure to finance, and the figure comes from the written treatment plan with its different cost options to suit your budget.

Your consult

2

Comparing offers

Your consultant tells you which providers the clinic works with. Ask each one for the total repayable, every fee and the term, and compare those instead of the weekly amount.

Same week

3

The application

You apply to the provider directly and they assess it against their own criteria. We play no part in that decision and do not see it before you do.

Usually days

4

Treatment begins

The provider pays the clinic, your treatment dates are booked, and repayments run on the terms you signed.

Once approved

A woman relaxing on the couch, using her phone

The timeline

01

The consultation

Your consult

02

Comparing offers

Same week

03

The application

Usually days

04

Treatment begins

Once approved
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Decisions belong to the provider or the ATO, never to us.

Questions worth asking before you sign

  • What is the total I will repay, with every fee included
  • Is there an interest free period, and what happens to the rate when it ends
  • What are the establishment, monthly and late payment fees
  • Do you hold an Australian credit licence, and how do I ask for hardship help

Straight talk

We are paid by the clinic

Not by a lender, and not by a super fund.

We are paid by the clinic, not by any finance provider and not by any super fund. That is the whole reason we can tell you honestly which route is realistic for you instead of steering you towards one.
Get Dental Implants is not a dental practice, not a credit provider and not a financial adviser. We explain the routes at a general level and connect you with a dentist. We do not prepare or lodge ATO applications.
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Common questions

About no deposit plans

About this route in particular.

If you are weighing this against another route, the consultant will go through all three without pushing one.

Ask before you apply anywhere.

Leave your details and a consultant calls you back, usually the same day, and tells you honestly whether this route fits your situation.

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Often, yes. No deposit options are available from some clinics and finance providers, depending on the provider and on what they decide about your application.
Approval is never guaranteed, and a no deposit plan is still credit. Your consultant will tell you which providers the clinic uses, and what each tends to look for, before you apply. For how plans work in general, read payment plans for implants.
It can be. With nothing paid up front, more of the treatment is financed and there is more to pay interest on, and fees can add to that.
The fair comparison is the total you repay over the whole term, with every fee included. Ask each provider to put that figure in writing.
Applying for credit usually involves a credit check, and a check can be recorded on your credit file. Some providers start with a check that is not.
Ask what kind of check a provider runs before you agree to it, and avoid applying to several providers at once without asking first.
Most businesses that provide consumer credit in Australia must hold an Australian credit licence, and you can look a provider up on ASIC's professional registers before you sign anything.
If an offer feels rushed, ask for the terms in writing and take them away to read. A legitimate provider will not mind.
Contact the provider as early as you can. Licensed credit providers have to consider a hardship request, and an arrangement is far easier to change before a payment is missed than after.
The National Debt Helpline offers free, independent financial counselling if you need help working out what to do next.
No. We are paid by the clinic. No finance provider pays us, so we have no reason to steer you towards one plan over another.
Get Dental Implants is not a credit provider and does not provide financial advice.

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.