payment options at dental nook

Payment Plans at Dental Nook

At Dental Nook, we believe that money should not be the reason you delay looking after your teeth. That is why we offer a range of flexible payment options, including Afterpay, Zip and Humm, so you can spread the cost of your treatment and still receive the care you need.
Our team will walk you through every option in simple language, help you choose what suits your budget and make sure you understand all fees and time frames before you commit to anything.

Book online or talk to our team to discuss the best way to pay for your treatment.

Making Dental Care Affordable for You

We know that every family and every smile is different. Some people prefer to pay on the day, others need a payment plan for larger treatments such as crowns, implants or orthodontic care.

At Dental Nook, you can:
  • Pay as you go for smaller visits
  • Organise staged payments for a full treatment plan
  • Access your superannuation for an eligible major dental treatment with SuperCare
  • Use buy now pay later services such as Afterpay, Zip and Humm for approved amounts
Our goal is to remove the financial stress so you can focus on your health.
affordable dental care

SuperCare

SuperCare is an external service that helps eligible patients access their superannuation for essential dental and surgical treatment.
Many people do not realise that they may be able to use their super to cover treatment for themselves or an eligible family member. This can be very helpful for larger procedures such as:
  • Dental implants
  • Complex extractions and oral surgery
  • Full mouth rehabilitation
  • Major restorative treatment that you have been postponing due to cost
At Dental Nook, we can:
  • Explain how SuperCare works
  • Help you understand which treatments may qualify
  • Assist you with the application process so it feels smooth and less stressful
Approval of any application is made by the relevant authorities, not by Dental Nook. Our role is to support you with paperwork and clinical information so you can access care sooner, where appropriate.
If you are facing financial barriers to treatment, ask our team whether SuperCare might be an option for you.

Afterpay

Afterpay allows you to receive your dental treatment now and pay it off in four interest-free instalments over time, subject to Afterpay approval and limits.
Using Afterpay at Dental Nook is simple.
  1. Download the Afterpay app and create your account before your visit.
  2. At your appointment, let our reception team know that you would like to use Afterpay.
  3. We process your payment in the clinic, and you pay the first instalment on the day.
  4. The remaining instalments are managed directly through your Afterpay account.
This can be a helpful way to manage the cost of treatment, such as fillings, cleaning, whitening or unexpected urgent care, without putting off your appointment.
Please remember that terms, spending limits and any late fees are set by Afterpay. Our team can guide you, but we recommend checking the latest details in your Afterpay app or on their website.

Zip

Flexible payment with Zip so you can treat now and pay later. Zip lets you spread the cost of your dental treatment into smaller instalments rather than paying the full amount on the day. Once approved, you can use your Zip account to pay for eligible treatment and then repay Zip over time through your app.
Typical uses include:
  • Check-ups and cleans
  • Fillings and simple restorative work
  • Cosmetic treatment, such as whitening or veneers
  • Urgent care that you do not want to delay
Our reception team can explain how Zip works at your appointment and guide you through the steps you need to complete in your own app. All limits, fees and conditions are set by Zip, so we always recommend checking the latest information on the Zip website or in your app before you apply.

DentiCare Payment Plan

Structured payment plans for larger treatment. DentiCare Payment Plan is a dedicated dental payment solution that lets you pay for treatment in regular instalments over an agreed period. This can be very helpful for larger or staged treatment plans such as crowns, bridges, implants, orthodontic treatment, smile makeovers and full mouth rehabilitation.
Key benefits:
  • No interest or hidden account fees from DentiCare
  • Flexible repayment schedules, weekly, fortnightly or monthly, depending on the plan you choose
  • Simple application process with quick approval in most cases
  • Can be used for a wide range of general, cosmetic and restorative dental treatments
Our team can prepare a treatment plan and an estimate, then help you apply for a DentiCare Payment Plan if it suits your budget. Approval is provided by DentiCare and is subject to their criteria.

TLC

Total Lifestyle Credit for comprehensive dental treatment. TLC Total Lifestyle Credit is a medical and dental finance provider that offers personal loans for treatment. TLC can pay your dentist directly for approved treatment, and you then repay TLC in regular instalments.

TLC may be suitable if you:
  • need a full treatment plan, such as extensive restorative or cosmetic dentistry
  • prefer a longer repayment term than a typical buy now pay later service
  • want one simple repayment that can include several stages of treatment
TLC loans can include interest and set-up fees, and approval is based on your personal financial situation. At Dental Nook, we can provide the treatment estimate that TLC requires and answer any questions about the clinical side of your plan. For loan terms, interest rates and eligibility, you will need to review TLC information or speak with their team directly.

NDP National Dental Plan powered by humm

Interest-free instalments for everyday and major dentistry. NDP National Dental Plan, powered by humm, allows eligible patients to pay for approved dental treatment over time using interest-free instalments.

With NDP, you can:
  • Pay a portion of your treatment cost on the day if required
  • Spread the balance into manageable fortnightly payments
  • Use the plan for a wide range of treatments, from general dentistry through to cosmetic and restorative care
There are no interest charges on the plan; however, establishment fees or account fees may apply depending on the product you choose. Our team can explain how NDP works and help you start an application in the clinic. Final approval and limits are determined by NDP, powered by humm.
accept all cards

Flexible Payment Options

We accept all major credit cards. To keep things simple, Dental Nook accepts:
  • AMEX
  • JCB
  • UPI
  • Diners
  • Visa
  • Mastercard
  • Most other major credit cards
You can choose to pay in full at each visit or combine card payments with one of the payment plan options above for larger treatment plans.
If you are unsure which payment option is right for you, speak with our friendly reception team before or after your consultation. We are here to help you understand your choices clearly so that cost does not stand in the way of a healthy, confident smile.

What To Expect When We Plan Your Treatment?

Before starting any major treatment, we will provide you with:
  • A clear written treatment plan
  • An itemised estimate of costs
  • The number and timing of visits you are likely to need
  • A discussion of the payment options that match your situation
There is never any pressure to decide on the spot. You are welcome to take your plan home, talk it over with your family and ask us questions before you commence.
treatment planning

Frequently Asked Questions About Payment Options

Can I use a payment plan for emergency dental treatment
Yes, in many cases you can. For urgent treatment, we will always talk about costs and possible payment options before we start, wherever it is safe to do so. Some services like Afterpay can be used for same-day visits, subject to approval.
Often you can. Your health cover can be used toward the treatment cost first, and the remaining gap can then be paid with a card or a suitable payment option. The exact process depends on your health fund and the plan you choose.
For smaller visits, you may simply pay in full on the day. For larger treatment plans, we may ask for a deposit, especially when laboratory work is involved. We will always explain this in advance so there are no surprises.
Services such as Afterpay, Zip and Humm are separate financial products. Any impact on your credit score depends on how you manage your account and on the provider’s policies. If you are unsure, it is best to check directly with the provider or seek independent financial advice.
Patients under 18 usually require a parent or legal guardian to set up and manage any third-party payment accounts. Our team will discuss this with you at reception.
If you are concerned about repayments, talk to us before you start treatment. We can often stage your clinical visits to spread costs or help you explore different options. If you already have an account with a provider and are struggling, you will need to contact that provider directly, as they manage your repayment schedule.

Talk To Us About Payment Options

If you have been putting off dental care because of cost, contact Dental Nook and let us help you find a way forward. Our friendly team is happy to answer questions, explain every option in detail and work with you to create a plan that fits your life and your budget.
Ready to get started?
Book online or call our reception team to chat about payment options before your visit.
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