Patient Payment Plans

Bite-sized payments with Smile Choice payment options

Sometimes dental treatments can be an unexpected expense, but that doesn’t mean you need to choose between your oral health and your budget. Our goal is to make your dental care both excellent and accessible, which is why we now offer Smile Choice payment options.

With Smile Choice payment plans and loans, you can break your expenses into “bite-sized” payments, helping you pay back dental costs over time. We want you to be able to access the best treatment plan for you, while giving you options to manage your budget.


What are some of my options?

Smile Choice Zero Deposit Loan

This option allows you to access your dental treatment now and pay back the cost over 24 months. You can apply online*, and the contract and acceptance are electronic, helping to make your approval process smooth and convenient.

*Applications are subject to the lender’s usual credit assessment and responsible lending criteria. Terms and conditions, fees and charges apply. Subject to suitability.

Smile Choice Interest Free Payment Plan

This option allows you to make periodic payments over the course of 12 months, making extra repayments with no penalties. You can apply for it online** and the contract and acceptance are electronic.

**Payment plan availability subject to satisfactory credit history check.

What’s next?

If you want further information, please feel free to get in touch with our friendly staff.

Credit provided by MiFund Pty Ltd ACN 601 537 099 Australian Credit Licence 473895

Interest Free Payment Plan

Term 12 months
Amount Min $1,500
Max $10,000
Borrower Fees $Nil upfront
$Nil ongoing
Borrower Contribution 25% of treatment cost


*Payment Plan availability subject to satisfactory credit history check.

Product Features

  • Online application and smooth approval*
  • Nil interest
  • Allows you to access dental treatment now and pay back over 12 months
  • Automated electronic contract and acceptance
  • Minimum treatment plan is $2000 with a 25% deposit

Zero Deposit Patient Loan

  • Compulsory Comparison Rate: *16.26%
  • Standard Fixed Rate: *13.50%
Term 24 months
Fixed rate
Amount Min $2,000
Max $30,000
Borrower Fees $100 establishment
$10 per month account keeping


Fees and charges are payable
*This comparison rate is based on an unsecured loan of $10,000 over 3 years. WARNING. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Product Features

  • One simple low rate
  • Make extra repayments with no penalties
  • Online application and smooth approval **
  • Automated electronic contract and acceptance
  • Allows you to access dental treatment now and pay back over 24 months

** Applications for a loan are subject to the lender's usual credit assessment and responsible lending criteria.