Feeling self-conscious and insecure with your smile? Get a Gorgeous New Look from $45 per week TLC payment plan.

SEE OUR SMILE MAKEOVER SPECIALS AND PACKAGES

Thank you for choosing our dental practice for your care. As our patient, we are committed to you and your treatment. We will do everything we can to ensure that you receive personalized care and that your experience with our office surpasses anything you have ever experienced with any other dental office. We are proud that our fees reflect the time as well as the overall quality of care and service that we provide in our practice.

However, we know that people have different financial position and different needs in fulfilling their financial obligations. That’s why as well as offering the usual payment options, when the cost of anticipated dental work exceeds what you would like to place on your credit card or pay out of pocket, financing may be a better option..

The Easy and Affordable way to budget and pay for your dental treatment

Below is a brief summary of an example repayment for the three lower pricing points from the TLC payment plan :

$2000 (36 months) = $25 per week
$2500 (36 months) = $30 per week
$3500 (36 months) = $40 per week

TLC payment plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

NDP payment plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

After Pay- Payment Plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

Zip Money Payment Plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

Open Pay Payment Plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

Access My Super Payment Plans at Dr Zenaidy Castro's Vogue Smiles Melbourne

Spread the cost of your treatment into affordable payments and get that winning smile and a healthy pain and problem free smile. The payment plan enables our patients begin with their treatment immediately – then pay the cost of their treatment spread over time. It is an excellent payment option for elective cosmetic and/or emergency or general dental procedures.

We have different third party financing company who would love to help you get the treatment that you need. Each of these third party dental financing, have their unique features and benefits in their products. You have to choose which would better serve your needs.

To start with the process, first thing is to check basic eligibility requirements they need for application. And have a quick look at TLC monthly repayment chart to get an idea on your weekly or monthly repayment.

Pre-Qualifications

- Customer is an Australian Permanent Resident
- Customer is 18 years of age or older
- Customer is either:

- Employed Full Time (minimum 25hrs per week)
- Aged Pensioner (65+ years of age)
- Veteran Affair’s Pensioner

Identification

PROOF OF ID
You must have a current Australian Driver’s License, Passport or Medicare Card, Aged Pension Card OR Veteran’s Card
FOR NON-AUSTRALIAN RESIDENT / WORKING VISA
TLC would consider and accept some VISA options. As long as your visa is at least longer than 2 years or more.

PROOF OF INCOME

You need to be able to show your income either via payslips, tax returns, Centerlink statements & bank statements. See details below

EMPLOYEE, either part-time or full-time

Paperwork required for review:

Proof of income. Copy of 2 recent pay slips
Employer’s trading name and contact number (Number must be a landline. 1300, 1800 or 131 etc. numbers are not acceptable)
Copy of recent utility bills (required by NDP)
Copy of last 2 months bank statements (preferably the Direct Debit account*)
Copy of Driver’s License

SELF-EMPLOYED

Paperwork required for review:

Most recent personal tax return
ABN number
Copy of last 2 months bank statements (preferably the Direct Debit account*)
Copy of driver’s license

SELF-FUNDED RETIREES

Paperwork required for review:

Copy of recent utility bill (required by NDP)
Copy of last 2 months bank statements (preferably the Direct Debit account*)
Copy of superannuation statement
Copy of Driver’s License

UNEMPLOYED BUT RECEIVING CENTERLINK ASSISTANCE

(family assistance A&B/carer/disability/elderly/widow’s pension).
Paperwork required for review:

Most recent Centerlink statement
Copy of recent utility bill (required by NDP)
Copy of last 2 months bank statements
Copy of recent Pension statement
Copy of driver’s license

See how affordable your treatment can be with approximate weekly repayment chart with TLC

Third-party providers for dental payments plans

Below is a list of providers that offer dental payment plans, and some information on them.

“It’s important to note that you must check their website and call them directly for more details about the product they are offering.

1.TLC Payment Plan

Below is a brief overview of their financing services:

BENEFITS:

Funding patients from $2001-$50,000
Patients are funded within 24 hours of approval
7 funding line options – allowing TLC to fund all forms of employment including pure centre link up to $5,000!
Access to the lowest medical segment interest rates for good credit scores
No early payout fees
Ability to payback – they cover treatment, hospital, anaesthetist etc
Protected by the consumer credit laws
Total Lifestyle Credit – Australian Credit licence 509691

OTHER FEATURES AND INFO:

TLC payment plan has the flexibility to pay off as quickly as you want provided that there is a minimum payment of $70 pw.
There aren’t any upfront or hidden fees – the $70 pw payment covers everything.
The interest rate is determined by the applicant’s score, but these rates are very competitive, and the interest charged is only charged to the term you wish to use so very flexible.

Sample repayment for the 3 lower price points below :

$2000 (36 months) = $25 per week
$2500 (36 months) = $30 per week
$3500 (36 months) = $40 per week

TERMS AND CONDITIONS :

Speak to TLC direct for a quote based on your personal circumstances and for the full terms and conditions.
A full credit and financial assessment would need to be completed prior to acceptance of any offer or product.

If you need immediate help – you can call them direct on 02 9058 5872 – or email one of their Account
Manager via admin@tlc.com.au

TLC WEBSITE | TO APPLY OR ENQUIRE: 02 9058 5872 | ONLINE LINK FOR APPLICATION

2.National Dental Plan (NDP)

National Dental Plan (NDP), powered by humm, is Australia’s only no interest ever dental payment plan.
NDP offers up to $12, 000 worth of dental treatments, immediately.

Their flexible plans let you spread the cost of repayment over terms up to 24 months, pay this back on a fortnightly basis with maximum monthly fees capped at $8!

NDP WEBSITE | TO APPLY OR ENQUIRE: 1 800 088 151 | ONLINE LINK FOR APPLICATION

3.ZIPMONEY

We are offering a 1 year inerest free period.
You’ll pay nothing upfront. And repay weekly, fortnightly or monthly on a schedule that suits you.

ZIPMONEY WEBSITE | TO APPLY OR ENQUIRE: 1 800 088 151 | ONLINE LINK FOR APPLICATION

4.OPEN PAY

Spread the cost of purchases up to $15k over 2 – 24 months.

No interest.

OPEN PAY WEBSITE | TO APPLY OR ENQUIRE: 1300 168 359

5.ACCESS MY SUPER

Access My Super can help you with the early release of superannuation to cover the cost of a variety of dental treatments
including Orthodontics, Implants, Crowns, Braces and many more.
Access My Super takes all the stress of the paper work and makes it a simple and easy journey for you, so you can focus
on the more important things in life.

ACCESS MY SUPER WEBSITE | TO APPLY OR ENQUIRE: 1800 845 121

DISCLAIMER: The information provided is of a general nature and does not consider your specific needs or personal situation.
You should assess your financial position and personal objectives before making any decision based on this information.
We also recommend that you check with the third party provider’s website and contact them directly to do your full research
so you would be fully inform.

FOR FURTHER ENQUIRIES, PLEASE DON’T HESITATE TO CONTACT US ON 9629-7664. WE WILL BE HAPPY TO ASSIST

All the things you need to know about Dental Financing and Payment Plans options in Melbourne

How to Get Financing for Dental work?

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Going to the dentist is probably not your favourite activity, but a big price tag can make dental care feel even more painful, especially if you have a neglected oral health, haven’t been to dentist for very long time or just simply in need of Smile transformation and full mouth reconstruction treatment.

If you’re having trouble paying for expensive but necessary dental care, you’re likely not alone. If you can’t afford to pay for necessary dental treatment upfront, Let’s look at what your options may be for dental financing.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Dental Payment Plans

Payment plans are essentially loans, which can support you in managing the high cost of dental treatment. Rather than paying for your dental work in an upfront lump sum, a payment plan allows you to pay in instalments over a period of time. It reduces the total amount that you have to pay for dental treatment, which will make your payment plan’s instalments even more affordable.

It is essential to get the dental care you need as soon as possible, because untreated issues often require more complicated, costly procedures in the future. Many approved dentists may be able to offer flexible payment plans, to help you manage the cost of your treatment.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

What Dental Treatments Can Be Covered With A Payment Plan?

Payment plans can be used for a wide range of treatments, encompassing almost any work involving your teeth and gums or broader oral health. You can use a payment plan for general dentistry, including major treatments like root canals and dental implants. Plans can also cover cosmetic dentistry, including teeth whitening, crowns, and veneers, amongst many other procedures. You can use a plan for orthodontics, including all types of braces. Even less common treatments can sometimes be covered, including dental solutions for snoring and sleep apnoea.

However, be aware that dentists may only accept payment plans for significant procedures with high costs. Indeed, some plans are only available in thousand-dollar increments: minor procedures with low costs, such as check-ups, are unlikely candidates.

Personal loan

A personal loan can be used to pay for a range of personal expenses, which can include dental work and medical treatment. These loans are typically unsecured loans, which mean the lender doesn’t require any collateral to secure the loan. Because of this, the lender will typically consider many factors — including your credit history — to determine whether you’ll be able to repay the loan.

If you’ve got lower credit scores, you may end up paying higher interest rates or may be denied a loan outright.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Provider financing

Some dentists may also offer the opportunity to apply for payment plans and in-house financing through third-party lenders. The terms and details will vary based on each loan provider.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Alternatives to dental financing

If you don’t think you’ll qualify for dental financing or you’re worried about paying for the care that you need — even with financing — you can consider other options.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Ask friends and family for help

It can be uncomfortable to ask, but if you’re struggling to find financing and you really need dental care, turning to friends and family may be an option worth considering. They may be able to lend you money. Or, if they have good credit, they may be willing to co-sign on a personal loan or low-interest credit card, which may increase your chances of being approved.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Bonus tip: Tax break

If your necessary dental treatment is really expensive, you just might be able to claim a tax deduction for it. When tax time arrives, many Australian citizens are unaware that they could very well apply for a taxation rebate and consequently get some money back for their out of pocket net dental expenses.

So read on, learn and find out whether you’re eligible for a dental tax rebate in the 2012/13 financial year upon lodging your Australian tax return:

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Am I eligible for a medical taxation rebate?

Net dental expenses are the medical expenses you have paid directly out of your pocket (after any health insurance or Medicare claims have been paid). If your medical expenses incurred in the financial year exceed $2120, you are entitled to claim a tax offset of 20% of your net medical expenses over $2120.

For example, for every dollar you pay after $2120, you can claim 20 cents back on each dollar spent. The good news is that there is no upper limit on the amount you can claim. The tax offset also applies to all medical expenses incurred for yourself and/or any dependents (partner and children).

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

What is a medical expense?

The Australian Tax Office regards payments to legally qualified doctors, nurses, pharmacies and both public/private hospitals as a medical expense. This means any payment to a dentist, orthodontist or registered dental mechanic qualifies as a medical expense; even if it’s a cosmetic dental procedure.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist
DISCLAIMER: Please note that this information is correct as per the Australian Taxation Office website and is intended to be taken as general information. It does not constitute as financial or accounting advice. Therefore, we encourage you consult a qualified accountant or your dentist to help determine the extent the medical taxation rebate could apply to your personal circumstance.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Looking for an affordable dental care with Interest Free Dental Financing and payment plan options in Melbourne? While we provide boutique, high-end dental services, we don’t believe that dental care should be out of anyone’s price range.

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

Early Release of Superannuation For Dental Treatment

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Do you need major dental work but have no idea how you’re going to pay for it? You could qualify for the Early Release of Superannuation (ERS), which has been established to provide you with access to your funds when you need them most.

Instead of waiting until you are 65 years old, you are able to access your funds immediately, regardless of you are in your 20s or your 40s. That’s why requesting an early release of superannuation for dental treatment can provide enormous financial relief, especially if you have limited private health cover.

How does early Release of Superannuation (ERS) work?

The early access to superannuation funds has been designed to allow you to receive essential dental treatment that is paid for by funds that belong to you.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist
However, you should note that you need to meet select criteria to apply for the early release of funds. This option should also be a last resort and one taken after all other considerations have been exhausted. Speaking to a financial counsellor before you go ahead is a good idea.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

Where Can I Get a Payment Plan?

How do Dental Payment plans work?

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Like any loan, a payment plan is a commitment. If you are interested in commencing a plan, make sure you carefully discuss your options with your dentist before you undertake any actual treatment.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

The conditions of a payment plan are flexible, and often vary depending on the amount and duration of the loan. The time span for a payment plan is commonly 6 months, 12 months, or 24 months. A deposit may or may not be necessary, and while monthly repayments are common, weekly and fortnightly options may also be available. If your application for a plan is approved, you will need to finalise its terms to suit your personal circumstances.

For an in-house plan:

If your dental practice offers in-house payment plans, you will need to inquire about their terms and conditions. The application process will differ for each practice, so make sure to check. Upon actually commencing a plan, you will simply make your repayments directly to the practice before each due date.

For a third-party plan provider:

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

If your dentist approves, you can set up a payment plan with a third-party provider. Providers have set frameworks to determine the conditions of your plan, which will affect your repayment amount and its frequency.

Some dental practices have a preferred plan provider, but if not, discuss with your dentist if you can choose your own and apply individually. Depending on the provider, your payment plan application may be a direct debit form or an online process.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

If your provider and your dentist approve the payment plan, you can begin your dental treatment. The provider will pay your dentist in full on your behalf. Then, you will make your agreed repayments to the provider – often through an easy, automated process – until you have fully paid for your dental treatment.

Are There Any Additional Fees In A Payment Plan?

Aside from repaying your dental treatment itself, third-party payment plans will involve additional spending obligations. Start-up and account maintenance fees are common, and there are sometimes penalties for early or late repayments. Plans choose their own interest rates – however, many major providers are actually interest free, including DentiCare and MySmilePlan.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Many approved practices may be able to offer payment plans. However, before making decisions based on the right plan for you, make sure to source consistent and clear information. The information on this website serves as a guide, but it is best to contact the providers directly. When you start a payment plan, it is important to carefully read all of the terms and conditions, and keep an eye out for any hidden fees.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

Am I Eligible for Payment Plan and Financing?

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Each payment plan provider has its own approval process and criteria to assess your eligibility. They may look at your credit score, income, and any history of tax debt. However, some major providers do not take credit checks at all, such as DentiCare.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Virtually all major plans require you to be 18 years or older, an Australian citizen, and able to prove that you are not bankrupt. You may also need to prove that you have a certain income in some capacity.

Temporary residents need to hold a visa that’s valid for at least the next 12 months

Information you may need on hand

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

We may ask you to verify your identity

e.g. Driver licence, Medicare card, Passport

We may ask for supporting info about your income

e.g. Electronically or by uploading documents

Other lender like Zipmoney will require your login details to your Bank account.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Some lenders main qualifying criteria is an income based, others are non-income based criteria. For patients who are retired or patients who does not have job but receiving a disability dole, or patients have no job but receiving a monthly income from a non-income based source are well suited to apply to a lender who’s main qualifying criteria is a non-income based. let us know your specific financial position so we could recommend a lender that would best suits you.

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

Third party Lender of Dental Payment Plans and Interest Free Financing

Personal Loans to finance Dental Treatment

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WITH NIFTY

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CASH DIRECT

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SPOTTER LOAN

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CHAMPION LOANS

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JACARANDA FINANCE

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SMILE PLAN

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AUSTRALIAN LENDING CENTRE

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SAVVY DENTAL LOANS

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SMILESFIRST

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LEADING EDGE DENTAL

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Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

Other sources for Financing Dental Treatment

EXPLORING MORE INFO AND STARTING WITH THE APPLICATIONS

Flexible Dental payment Options with Dental Laybys -In-House Payment Plan

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

This payment plan is ideal for patients who have smaller, non-urgent treatment plans, it is self-managed and straight forward.

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Many of us have used or have heard of, the layby system that the larger department stores have, this payment plan works in a similar fashion.

We open a file or account for you within our dental software and whenever you get some spare money you transfer it into this account. Once you have sufficient funds for your treatment, we will go ahead with the work.

It is totally up to you how much and how often you want to pay. No finance companies are involved and no credit checks are required. This is an easy way for patients to save up for their dental treatment.

How it works:

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STEP 1 Book an initial consultation

A fully paid consultation (and x-ray if you still have teeth) is required to establish the extent of treatment and the final figure.

STEP 2 Choose your service

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During the initial consultation, your dentist will advise and guide you in order to choose the service targeted to your needs and budget.

STEP 3 Choose your Dental Layby duration.

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You can choose to spread your treatment over 3, 6, 9, or 12 months.

STEP 4 Choose the instalments frequency

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You can set up your instalments weekly, fortnightly or monthly* according to your income and budget.

STEP 5 Agree to your treatment plan.

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Depending of what kind of treatment is involved, there are 2 ways of starting the treatment.

For a treatment such as Porcelain Veneers, Crown and Bridges, the work will be started after you completed a full amount.

For a treatment where it involves a combined restorative and Cosmetic treatment plan, your full treatment plan will be divided into 2- 4 major payment milestones. Each milestone has a target payment cost that must be paid off in order to activate them. Once activated, we will complete all work associated with that milestone. As you continue to pay off each milestone, we’ll continue to complete the dental work associated with that milestone until all milestones are completed, the treatment plan is finished according to your Dental Layby Agreement.

Dental LayBys is Subject to these terms and conditions :

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Payments options that we accept
Bank Deposit Transfer.

Every time you completed the payment, send us quick email letting us know you have made the deposit with a screenshot of transfer receipt to ensure your account is updated as quickly as possible.

If you choose to pay by credit card, you authorise us to debit the amount that is payable from your nominated credit card in accordance with the Payment Schedule on the specified payment dates.

If we are unable to successfully process any of your credit card payments, we will give you a ring and to organise payment of the outstanding amount on some other dates.

Once we received bank transfer payment or process your credit card payment, we will send you an invoice by email.

Health insurance

Your health insurance can be used in conjunction with your Dental Lay by plan.

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At your initial consultation, we’ll develop a treatment plan that we can use to define how much your health insurance will cover. The difference between the total treatment cost, and what is covered by your health insurance will become the new total amount of your Dental Lay by that you’ll pay over your chosen Dental Lay by duration.

All Dental Lay by monies must be collected in full before completing final treatments associated with your treatment plan.

3. Cancellation

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If you wishes to cancel your Dental Lay by agreement, you needs to visit the our clinic, and request a cancellation, and confirmation of this cancellation will be provided, along with any refunds you are entitled to.

4. Refund

If you cancels your Dental Layby, you will be entitled to a refund. The amount you are entitled to will depend on what, if any, payment milestones/treatment have been activated or done. The customer will only be refunded the amount they have paid towards a milestone that hasn’t been activated/reached. For any payment milestones that have been activated where treatment has been completed, that money is paid to us for the associated treatment.

1. Cancellation Fees and Charges

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If the payment was process through Credit cards, you will be charge with the total merchant fee to transact your credit card payment.

If payment is done through Bank transfer there is no payment charges

Both payment method will incur a $30 per month admin fee

6. Agreement

Patient must sign the Dental Layby Agreement to acknowledge these terms and conditions.

If there is a significant change on your oral conditions than what was initially diagnosed, extra charges will apply and be added on your dental laybys or be paid separately

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

I need dental work but have no money and currently have no job? Where to get funding for Dental Treatment in Melbourne?

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Going to the dentist is probably not your favourite activity, but a big price tag can make dental care feel even more painful, especially if you have a neglected oral health, haven’t been to dentist for very long time and now you find yourself with terrible, excruciating toothache or need a major dental treatment.

With all this dilemma, you have added problem because you currently have no job or lost a job and can’t get a third party financing or loan anywhere else. Below you will find some ideas to get funding for your much needed dental treatment:

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Ask friends and family for help

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

It can be uncomfortable to ask, but if you’re struggling to find financing and you really need dental care, turning to friends and family may be an option worth considering. They may be able to lend you money. Or, if they have good credit, or have a job, they may able to apply a dental loan on behalf of you.

Tax break

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Early Release of Superannuation For Dental Treatment

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

The early access to superannuation funds has been designed to allow you to receive essential dental treatment that is paid for by funds that belong to you.

Centrelink dental assistance – Centrelink dental allowance for adults

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Access to Victoria’s public dental care services

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

Victorians who are eligible for public dental care

The following people are eligible for public dental care:
All children aged 0–12 years
Young people aged 13–17 years who hold a healthcare or pensioner concession card, or who are dependants of concession card holders
People aged 18 years and over, who are health care or pensioner concession card holders or dependants of concession card holders
All children and young people in out-of-home care provided by the Department of Families, Fairness and Housing (DFFH), up to 18 years of age (including kinship and foster care)
All people in youth justice custodial care
All Aboriginal and Torres Strait Islander people
All refugees and asylum seekers.

Government dental scheme

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

The Child Dental Benefits Schedule

The Child Dental Benefits Schedule (CDBS) commenced on 1 January 2014 and provides access to benefits for basic dental services to around 3 million children aged 2-17 years.

Program information for families

The CDBS provides individual benefits for a range of services including examinations, x-rays, cleaning, fissure sealing, fillings, root canals and extractions. Benefits are not available for orthodontic or cosmetic dental work and cannot be paid for any services provided in a hospital.

Eligible children will have access to a benefit cap of $1,000 over a two calendar year period.

To be eligible a child must be aged between 2-17 years and their family must receive Family Tax Benefit Part A or a relevant Australian Government payment.

Families can check whether their child is eligible for the CDBS by contacting the Department of Human Services. General information about the program can also be found on the Department of Human Services website.

Free dental care or minimal payment by having treatment done in Dental school

Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

The Royal Dental Hospital of Melbourne (RDHM) is based in Carlton, just north of Melbourne’s CBD, and provides general, specialist and emergency dental care to all eligible Victorians. It is also a teaching hospital, which means patients may be treated by a variety of dental professionals, students, specialists in training, or other qualified staff.

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Dental Financing Melbourne | Dental Payment Plan Options |payment plan for dentist

WHY CHOOSE US?

We are committed to not let expense prevent you from benefiting from the quality of the cosmetic dentistry you desire and the General Dental treatment that you need.
We tried our best in assisting you from maximizing your insurance benefits,
We accept a variety of payment methods,
We will offer you the most affordable options to meet your specific needs,
We will endeavour to offer you assistance to maximise your chances of getting a successful outcome on your Dental financing application
We also have special dental payment programs or in-house dental financing with Dental laybys. Ask us for more details

So Don’t let fear or embarrassment about your budget keep you from getting the dental treatments your smile deserves. Contact us today on 9629-7664! MAKE AN ONLINE BOOKING NOW

How can we help you?

See below our Smile Makeover Specials & Packages, New Patients Specials and Affordable Interest Free Financing and Payment Plans

MORE COSMETIC DENTISTRY PROCEDURE GUIDE

PORCELAIN VENEERS

Dissatisfaction with your smile can have a profound impact on nearly every area of your life. If you are prone to hiding your smile or feel uncomfortable with the appearance of your teeth, your job prospects may suffer, your personal and social life may be stunted, and your general satisfaction may be diminished. But you don't have to live like that.

With porcelain veneers, you can have a smile that lets you feel your most confident, attractive and self-assured. Our Melbourne Cosmetic Dentistry Clinic work with an industry leading master ceramist to craft porcelain veneers that are custom-designed to perfect and complement your unique smile and facial features. What's more, the veneers we offer are durable, beautiful and capable of addressing myriad cosmetic dental problems to produce a smile you will be proud to show the world.

To learn more about Dental Porcelain veneers in Melbourne City or to schedule an appointment with our experienced dentists, please call Vogue Smiles Melbourne on 9629-7664 today.

DENTAL BONDING AND COMPOSITE VENEERS

Dental bonding is a leading affordable cosmetic procedure that is full of restorative benefits. Using composite resins, Dr. Castro can repair your chipped front teeth or hide minor aesthetic defects.

Direct composite bonding is used to recreate a smile in an additive manner, where little or no tooth reduction is needed. Direct bonding, in the hands of a skilled operator, is less costly than porcelain veneers and crowns and can be long-lasting with proper maintenance.

Bonding is a perfect solution for treating minor cosmetic flaws. At your preliminary consultation, you will see exactly how dental bonding is applicable to you. Candidates for this procedure usually have good oral health, but their smile needs corrections because teeth are chipped, discolored, crooked, gapped or misaligned.

Patients can opt for transitional bonding that is used for anything from a mock-up to a full-mouth rehabilitation. The transitional bonding allows the patients to transition into more permanent dentistry as he or she can afford.

Closing Gapped Teeth

When you have gaps between your teeth, this can cause issues with overall smile aesthetics. A gap between your two print teeth can lead to self-consciousness, for instance, as can gaps between your other prominent teeth. In such cases, you may be reticent to smile, speak, or laugh, which can affect first impressions and social interactions.

Dental Bonding for Very Minor Gaps

If you have a very minor tooth gap that is purely cosmetic in nature, a good option to consider is dental bonding. Dental bonding uses a tooth-colored resin that is painted onto the tooth in order to build out tooth structure and fill the gap. The bonding material looks like natural tooth structure and can accomplish a great deal.

Porcelain Veneers for Cosmetic Spacing Issues

Porcelain veneers are also a great option for minor gaps that are cosmetic in nature. Porcelain veneers are thin shells of dental ceramic that are fixed in place over a tooth's front surface. These shells will help mask imperfections, improving the overall look and size of a tooth. The porcelain veneers blend in seamlessly with natural tooth structure as well, meaning that no one will realize that a veneer is place, even when up close.

Orthodontic Care Can Address More Serious Gaps

For major gaps between your teeth, the ideal option to consider is orthodontic treatment. The use of braces or Invisalign aligners can help shift the position of misaligned teeth, closing gaps and helping address issues with crowding and asymmetry as well. The ideal orthodontic approach will be determined by your dentist based on your age, the severity of your spacing issues, and other factors.

Which treatment is ideal for me?

The ideal treatment for you and your needs will depend on the nature of your dental problem. Cosmetic tooth gaps are better dealt with by bonding and veneers, while tooth gaps that impact the overall alignment of your teeth are best treated through orthodontic care.

WORN DOWN TEETH TREATMENT

Repair the Side Effects of Teeth Grinding with Cosmetic Dentistry

Whether it's politics, parenting, or work that has you unconsciously grinding your teeth day and night, stopping this involuntary movement is the first battle. TMJ treatment is easily accomplished with a customized oral appliance or bite guard. But then you may discover that, even though your grinding has ceased, your teeth have been left in poor shape because of the habit. Cosmetic dentistry can help.

Smile Makeovers After Teeth Grinding

After the source of your teeth grinding has been addressed and treated, your cosmetic dentist will focus on correcting the damage teeth grinding created. Some of the most common cosmetic dentistry treatments for teeth grinding patients include:

Dental crowns: The extreme forces of grinding and clenching teeth can lead to broken, chipped, or cracked teeth. But these solutions are not difficult to repair with porcelain tooth crowns, which can be used to make teeth uniform and even. Dental crowns, in fact, are one of the most durable and long-lasting cosmetic dentistry solutions.

Porcelain veneers: The go-to cosmetic dentistry solution for repairing teeth that have been worn down from tooth grinding, porcelain veneers recreate the natural look of teeth. Teeth that have been subject to grinding or clenching are usually similar in length and worn straight across. Porcelain veneers can correct these issues, making teeth the proper length, size, and color that will make your smile look amazing.

Cosmetic bonding: You don't want teeth that have already been damaged to compromise the integrity of neighboring teeth. A simple tooth bonding repair will fix jagged or chipped teeth due to grinding so that your smile look like new with the least amount of invasiveness possible.

What Will Happen If You Avoid Teeth Grinding Treatment?

Eventually, if you leave your teeth grinding problem unchecked, this habit will just continue to damage your teeth. The wear and tear can move quickly once your tooth's enamel has been completely stripped and the dentin layer of the tooth becomes exposed. Plus, opening that up to air is just downright painful.

Your oral health is important – you want to look good because your smile is stunning, but you also want to have a healthy mouth and gums

LASER TEETH WHITENING

A date, a birthday, a graduation, a wedding, a photoshoot…there are infinite reasons why patients may want a quick professional teeth whitening.

The good news? We can do that.

Sapphire™ will get you whiter teeth in just one visit!

Sapphire is a unique tooth whitening system that uses an LED light array delivery system combined with a gentle whitening gel to safely lighten and brighten your teeth.

Sapphire provides:

The most advanced whitening technology available
Dramatic results in just one visit
Affordable rates
Results that last for years
Free consultation
Guaranteed lightening results

PERMANENT TEETH WHITENING

Whitening your teeth with a cosmetic dentist is a completely safe procedure. Some patient experienced discomfort which varies from person to person and depends on the method used. In most cases, adults experience very minor discomfort that lasts 1-3 days after the treatment.

Is Teeth Whitening Permanent?

Teeth whitening is not permanent. It can generally last from a few months up to three years, however, this depends on your individual circumstances. The effect of the treatment will be impacted if you frequently smoke or drink dark liquids such as red wine, tea, or coffee.

Because teeth whitening is not permanent, you will need to maintain your bright smile with continued treatments. For regular patients, this upkeep can be costly in long terms

Who Can't Have Teeth Whitening Treatment?

There are potential risks associated with teeth whitening treatment, so it is not recommended for pregnant or lactating women. It is similarly not recommended if you are allergic to peroxide. If you have receding gums you may be more likely to experience tooth sensitivity.

Patients who have repeatedly have the Teeth Whitening procedure in the past and not happy with on going maintenance or not a good candidate for the procedure, there is an alternative options. It's called Prepless Porcelain Veneer.

REPLACING MISSING TEETH WITH DENTAL CROWNS AND BRIDGES

Tooth loss can cause a number of problems ranging from oral health issues to self-consciousness and poor self-esteem. Fortunately, there are several restoration options available in cosmetic dentistry that allow patients to replace a missing tooth with a durable prosthetic and enjoy a better quality of life. One of these options is a dental bridge, which fills a gap between two adjacent teeth by anchoring a false tooth to these surrounding teeth. Patients who need restorative dental treatment after they've lost a tooth may be excellent candidates for dental bridges.

A dental bridge is designed to replace one or more missing teeth. It is an artificial tooth that is secured into place and supported by surrounding natural teeth. Fortunately, a bridge looks and feels like a natural tooth and can allow patients to chew and eat normally. In addition, a dental bridge may help patients speak without any issues, as bridges can fill in the gaps between teeth affecting positively the tongue's placement and how patients sound.

INVISALIGN

Do you need braces but have delayed getting them because you are embarrassed of the noticeable wire and ugly metal brackets? We offers Invisalign® clear braces to patients that qualify and are looking for an alternative to the inconvenience of standard braces. Invisalign technology Involves clear braces that are removable and are completely comfortable teeth aligners customized for teeth straightening over time.

Only you will know you are teeth straightening!

Many people with various types of oral problems can qualify for Invisalign, such as:

Gapped Teeth
Overbite
Underbite
Open Bite
Overly Crowded Teeth
Crossbite

STRAIGHTEN TEETH QUICKLY WITH INSTANT ORTHODONTICS

Instant Orthodontics - Straight Teeth Without Braces

If you have crooked teeth and don't want to wear braces for years and retainers for even more years then there is a very good alternative. No, I am not talking about wearing Invisalign for years either and retainers after that. Some of us just don't want to pick food out of our teeth for years. We want instant orthodontics.

Instant Orthodontics is not a misnomer. It's as simple as braces versus porcelain veneers. Braces can take 2 to 3 years to straighten your teeth. Porcelain veneers can give you that same look in as little as 2 to 3 weeks. Instead of wearing braces, we shape your teeth and apply a thin porcelain veneer. The result is a beautiful smile showing off your new, straight teeth.

Instant Orthodontics can also give you a brighter smile than you've been able to achieve with brushing or bleaching. Porcelain veneers are the color we love to see when people smile. And we love to see people smile!

AFFORDABLE SMILE MAKEOVER WITH SNAP ON SMILE

With cosmetic dentistry the main focus is on improving a person's smile. Most people find that they have more confidence if they have a better smile. That confidence tends to elude those who feel they have financial constraints to go to the real Cosmetic Dentistry procedures. Thankfully, Snap on Smile is here to help fix all of the problems at an affordable prices at only a fraction of the cost.

Because of this reasons, probably snap-on smile is one of the best ideas to hit the cosmetic dentistry field in recent time. It is a device that looks just like teeth and is created using a mold of your teeth so that it will snap on perfectly over yours. It is an instant fix for any imperfections, teeth gaps and crookedness you may have. Therefore, the perfect smile is just a snap away. The best part is that, should you ever decide you no longer want your new smile, you can just take the device off and you are back to your old self or you can upgrade to real Cosmetic Dentistry procedures like Porcelain Veneers. The same cannot be said for other methods that you can use to fix your smile

Have your Treatment now in Affordable Monthly Payment

FLEXIBLE INTEREST FREE PAYMENT PLANS

Have the treatment you need/want and rest easy knowing you can manage the payments monthly to fit within your budget!

Investing in your health and well being is very important. At Vogue Smiles Melbourne we understand that getting the dental treatment you need and want can sometimes require a significant investment. Elective Cosmetic dental care can be expensive. There is usually no way around it. Unlike medical insurance, most dental insurances have a maximum per year that is insignificant to the price of a smile makeover. With different Financial Assistance options that we offer, expense will not prevent you from benefiting from the quality cosmetic dentistry procedure you desire and need.

We understand that one payment simply may not be a viable option for some patients, so we also offer several alternatives to help you when paying for your dental care. We can assist you in organising thrid party dental financing that allows you to begin treatment now and pay for the costs over time with interest free or extended payment plans. Signing up is easy for all our patients who qualify - in just a few moments, we can create a simple payment plan tailored to your budget.

Our dental payment plans will enable you to receive the dental services you need or want now, without having to sacrifice extensive amounts of money. We recommend discussing your budget with your dentist during your free initial consultation so that we can create a treatment plan that will take this into consideration.

3 photos as shown below are required for

INITIAL ASSESSMENT AND QUOTATION

Right hand side, Center showing full teeth and left hand side

Get a New Smile with Bonding

Prepless Porcelain Veneer Package

SEE OUR SMILE MAKEOVER SPECIALS AND PACKAGES

The Easy and Affordable way to budget and pay for your dental treatment

Pre-Qualifications

Identification

PROOF OF INCOME

EMPLOYEE, either part-time or full-time

SELF-EMPLOYED

SELF-FUNDED RETIREES

UNEMPLOYED BUT RECEIVING CENTERLINK ASSISTANCE

See how affordable your treatment can be with approximate weekly repayment chart with TLC

Third-party providers for dental payments plans

1.TLC Payment Plan

BENEFITS:

OTHER FEATURES AND INFO:

Sample repayment for the 3 lower price points below :

TERMS AND CONDITIONS :

2.National Dental Plan (NDP)

3.ZIPMONEY

4.OPEN PAY

5.ACCESS MY SUPER

All the things you need to know about Dental Financing and Payment Plans options in Melbourne

How can we help you?

MORE COSMETIC DENTISTRY PROCEDURE GUIDE

PORCELAIN VENEERS

DENTAL BONDING AND COMPOSITE VENEERS

Closing Gapped Teeth

WORN DOWN TEETH TREATMENT

LASER TEETH WHITENING

PERMANENT TEETH WHITENING

REPLACING MISSING TEETH WITH DENTAL CROWNS AND BRIDGES

INVISALIGN

STRAIGHTEN TEETH QUICKLY WITH INSTANT ORTHODONTICS

AFFORDABLE SMILE MAKEOVER WITH SNAP ON SMILE

Have your Treatment now in Affordable Monthly Payment