Receiving the dental treatment you need, or have been wanting, should be simple and stress-free.
Making your dental care accessible
At Smile Solutions we offer a range of flexible payment plans for all general, cosmetic, and specialist treatments.
We partner with reputable payment plan providers to give you options that suit your needs, with details varying based on the provider, treatment, and your personal circumstances.
Our friendly team is here to guide you through your options, helping you find a plan that works for your needs and budget.
Repayment Calculator
Humm allows patients to spread the cost of their treatment over fortnightly or monthly instalments.
- Treatment plans from $80 up to $12,000*
- Repayment terms from 3 to 24 months*
- Interest-free options available, depending on the plan
- Flexible fortnightly repayments
- Simple application process
- Establishment and ongoing fees may apply
- Humm is designed for consumers who meet the following eligibility requirements:
- Are 18 years of age or older
- Are permanently resident in Australia
- Have a valid Australian mobile number
- Meet Humm’s credit assessment and lending criteria
- Have the financial capacity to meet their repayments
*Available finance amounts, repayment terms, interest rates and fees vary depending on the participating practice and approved finance plan. All applications are subject to approval, terms and conditions.
Afterpay allows patients to pay off their treatment in four fortnightly instalments.
- Treatment amounts are subject to each patient’s approved Afterpay spending limit
- 4 equal payments
- Interest Free – 0% interest
- Easy fortnightly payments
- Simple payment process using the Afterpay app
- No establishment or ongoing account fees for standard Afterpay Pay in 4
- Late payment fees may apply
- Afterpay is designed for consumers who meet the following eligibility requirements:
- Are 18 years of age or older
- Live in Australia
- Have a valid, verifiable email address and Australian mobile number
- Hold an Australian bank-issued debit or credit card
- Have valid identification
- Meet Afterpay’s eligibility and credit assessment criteria
All transactions are subject to Afterpay approval, available spending limits and terms and conditions.
In certain cases, patients may apply for early access to their superannuation on compassionate grounds when they or a dependant face urgent health‑related needs and all other means of covering the expense have been exhausted. Access is allowed only in strictly defined circumstances; for dental treatment, this means procedures that are urgently needed to treat serious health issues or relieve severe pain and are not readily available through the public health system.
This option allows you to:
- Access dental procedures you may otherwise be unable to fund
- Use the full amount available in your super, with no cap beyond your fund balance
- Avoid credit checks, since you are accessing your own savings
- Bypass lengthy payment plans or the accrual of large debts
Frequently Asked Questions
Does Smile Solutions give advice on payment plans or accessing superannuation for dental treatment?
Smile Solutions does not provide financial guidance. This page is for informational purposes only and is not intended to provide legal, financial, or superannuation advice. We recommend consulting a financial adviser, your financial institution, or a superannuation specialist before making any decisions regarding payment plans or accessing superannuation funds.
Am I eligible to access my super on compassionate grounds?
The ATO oversees all requests for early super access, which is granted only under strict conditions. At Smile Solutions, our clinicians will provide clinical documentation only if they determine it is necessary and justified.
What should I expect once my plan is approved?
If your payment plan is approved, it will be set up with the financial provider and repayments organised according to their terms, allowing you to start your treatment as planned.
What’s the process for joining a payment plan?
Your journey starts with a consultation with one of our registered clinicians who will assess your oral health, discuss your concerns, and outline potential treatment options. A personalised treatment plan will then detail recommended treatments, costs, and appointment timing. Your Treatment Coordinator will guide you through available third-party payment plans, explain how they work, and answer any questions. Should you choose to proceed, they will assist you with the application, which is submitted directly to the payment plan provider.
Who determines if my application is approved?
All payment plan applications are reviewed and processed by the finance provider, who is solely responsible for determining approval outcomes. Smile Solutions has no involvement in the assessment or decision-making process.
Discover how Smile Solutions can help you with a complimentary consultation
This appointment is a discussion only and does not include a check-up, x-rays, scans or any other clinical treatment. A $50 refundable deposit is required to secure the appointment.
Contact Us
Contact Us
"*" indicates required fields
