Payment Plan Options

Here are All Smiles Family Dentistry. We understand that good dentistry is expensive, and problems happen at the worst possible time which is why we are here to help.

We offer our patients a range of interest free financial options to help spread costs out over a period of time, to suit their budget. We currently offer 5 different interest free payment plan options: Denticare, Openpay, Afterpay, Humm and Zip.

Below is a brief description of each payment plan if you would like to know a breakdown of costs for your treatment plan please do not hesitate to ask and only takes a moment to work out.

Payment plans need to be approved at least 1 day prior to dental treatment commencing and depending on the plan takes as little as 5 minutes to complete.

** Please note no other discounts apply when using payment plans. **

** Please note that the following information is subject to change at any time, we endeavour to keep our information accurate but occasionally policies change with the different payment plan companies.

Denticare

Denticare offer 2 different plans depending on amount financed.
Smile Now plan is available for amounts between $250 – $2000, with weekly or fortnightly repayments. Smile Now offers No credit checks, No Set Up Fee’s, No Transaction Fees and No Deposit – however, the first payment is due on application approval.

Denticare plan is for amounts between $2000 – $12,000 with weekly, fortnight or monthly repayment options. 20% Deposit is payable to the practice on commencement of treatment. Again no credit checks are needed however a once off fee off $39 is payable on application usually debited within the first 48 hours of approval.

To be eligible to apply for Denticare you need to be gainfully employed and able to make the agreed repayments an Australian citizen over the age of 18 and not subject to any debt or bankruptcy agreements. Payments can be made from a bank account or a credit card.

20% deposit is due at the time of application and payable to the office. A once off $39 set up fee is payable within the first 48 hours after the application has been approved. Payments are made either via direct debit from your bank account or a credit card again this is your choice. A small payment fee is added to the payments depending on which way you choose to pay the amount** will be either $0.88 fee for direct debit from a bank account or a 1.95% fee for Visa and MasterCard transactions or for Amex transactions there is a 3.25% fee.

Applications are usually approved within a few days of the application submission.
*Length of payment plan is subject to the amount financed
** Current as of May 2019 and subject to change at any time.

Openpay

Interest free plans are available from $100 – $9000. Fortnightly repayments are made from a credit card over 2 to 24 months*. To apply you need a valid Australian photo identification (driver’s license or passport etc.), 2 phone numbers, and a credit card, Visa or MasterCard debit cards are also acceptable.

Application is filled out online, it takes about 2-3 minutes to complete. Approval is instant upon application submission. The first instalment is payable at the time of application to the finance company via your credit card this instalment is roughly 20% but does vary on the amount financed. Additional repayments can be made to the finance company at any stage without penalties.

*Length of payment plan is subject to the amount financed.

Afterpay

Afterpay is a payment plan option that that allows you to split the payments into 4 fortnightly repayments.

To apply for an Afterpay account you need to meet the following criteria.

• Live in Australia
• Be at least 18 years old
• Have a valid email address and mobile phone number
• Provide and verify an Australia debit or credit card
• Have a valid driver’s licence or Medicare card
• Capable of entering a legally binding contract.

Once you have an account you simply need to access your Afterpay app on your mobile and provide us with an instore code, providing you have credit available payments are then spread over 4 fortnightly repayments. For example, your treatment is $200 you then pay $50 a fortnight for 4 payments.

Zip

Zip is an online finance company which is like a virtual credit card. No minimum treatment is needed providing you have prior approval. Applications are done online with a smart phone or computer by the patient after the examination via an invitation sent to you by the dental office.
No deposit is required, and approval is usually within about 30 minutes. Interest free periods are from 6, 12 or 18 months*

Like a credit card Zip money allows you have the option to pay weekly, fortnightly or monthly. They will advise you of the minimum monthly repayment required.

* Length of interest free term is subject to the amount financed.

***Keep in mind only paying this amount may leave you with a balance at the end of your plan which will then incur interest.

National Dental Plan

Interest free plans are available from $100 – $12,000. Fortnightly repayments are made from a credit card or bank account over 6 to 24 months*. To apply you need to be 18 years or older, a permanent Australian resident, have a permanent job with a minimum 25 hours a week or have an aged or veterans’ pension and not be declared bankrupt.

Application is filled out online, it takes about 2-3 minutes to complete. Approval is instant upon application submission. 20% deposit is payable to the practice. There is a once off $70 setup fee which is built into your repayments. (Repeat purchases fee is $22) and an $8 monthly account keeping fee.

Additional repayments can be made to the finance company at any stage without penalties.

*Length of payment plan is subject to the amount financed.