Third-Party Providers Offering Flexible Dental Payment Plans
To help make dental care more accessible and affordable, Vogue Smiles Melbourne partners with a number of trusted third-party financing providers. Below is an overview of the options available to you.
📌 Please note: We recommend visiting each provider’s official website or contacting them directly for the most accurate, up-to-date information regarding eligibility, terms, and applications.
1. TLC (Total Lifestyle Credit) – Payment Plans
TLC Payment Plans offer fast, flexible finance for a wide range of dental treatments—including general, cosmetic, and emergency care.
Key Benefits:
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Financing available from $2,001 to $50,000
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Fast approval with funding available within 24 hours
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Offers options even for patients receiving Centrelink (up to $5,000)
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Access to some of the lowest interest rates for strong credit scores
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No early repayment fees
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Covers all aspects of treatment—including hospital or anaesthetist fees
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Backed by Australian Consumer Credit Laws
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Australian Credit Licence: 509691
Flexible Features:
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Weekly repayments starting from just $70, with no upfront or hidden fees
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Repay as quickly as you wish—perfect for those looking for flexibility
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Interest is only charged for the chosen term, keeping it cost-effective
Sample Weekly Repayments (36-month term):
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$2,000 → approx. $25/week
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$2,500 → approx. $30/week
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$3,500 → approx. $40/week
To Learn More or Apply:
📞 Call: 02 9058 5872
📧 Email: [email protected]
🌐 Visit: TLC Website
2. National Dental Plan (NDP) – Powered by humm
National Dental Plan (NDP) is Australia’s only no interest ever dental payment plan, making it a popular choice for budget-conscious patients.
Highlights:
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Access up to $12,000 in dental funding immediately
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Repay over fortnightly instalments for up to 24 months
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No interest ever
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Maximum monthly fees are capped at $8
To Learn More or Apply:
📞 Call: 1800 088 151
🌐 Visit: NDP Website
3. Openpay – Flexible Instalment Plans
Openpay offers a simple way to split your dental costs into smaller, manageable payments over time.
Features:
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Finance up to $15,000
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Flexible terms from 2 to 24 months
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No interest on repayments
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Easy 3-step sign-up process
To Learn More or Apply:
📞 Call: 1300 168 359
🌐 Visit: Openpay Website
Interest-Based Dental Financing – More Time, More Flexibility
Many dental financing providers, like TLC (Total Lifestyle Credit), offer plans that include a small interest component. While some patients may initially hesitate at the idea of paying interest, there are significant advantages to this type of plan.
With interest-based financing, you can borrow larger amounts—often from $2,000 up to $50,000 or more—over extended terms of 3 to 7 years. Because the repayment period is longer, your weekly or monthly instalments are significantly lower, making it much easier to manage alongside everyday expenses like rent, groceries, and school fees.
This long-term structure makes dental care accessible for patients who want to avoid large upfront costs. It’s especially beneficial for those seeking comprehensive treatments such as full mouth rehabilitation, porcelain veneers, dental implants, or orthodontics.
Another key benefit? Flexibility in repayment. If your financial situation improves or you have spare funds available, you can pay off the loan early—in full or in part—without any penalty or early exit fees. This gives you full control over your finances while keeping your stress levels low.
In short, interest-based plans are ideal for:
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Patients needing larger funding amounts
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Those who want to stretch payments over time
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Anyone seeking predictable, low monthly repayments they can fit into their existing budget
Interest-Free Dental Financing – Great for Short-Term Costs
Interest-free dental financing is another popular option and is typically offered by providers like National Dental Plan (NDP) or Humm. These plans allow you to spread the cost of treatment over a short term, usually 6, 12, or up to 24 months, without paying any interest.
This can be a great solution for smaller treatments or patients who are confident they can meet the higher monthly repayments within a short timeframe. There are typically no interest charges, but some plans may include account keeping fees or admin costs, so it’s important to read the fine print.
While it sounds ideal (and often is), the limitation lies in the short repayment term. Because the repayment window is smaller, your fortnightly or monthly instalments will be higher, which may not suit everyone’s budget—especially if you’re already managing other loans or financial obligations.
The Bottom Line
Both options have their place. If you’re looking for manageable payments, flexibility, and less financial pressure, a small-interest loan over a longer period may be your best bet. But if you’re after quick repayment and lower overall cost, an interest-free plan could be the way to go—if you’re confident in making the higher payments.
At Vogue Smiles Melbourne, we’ll help you compare both options so you can choose the plan that fits your smile—and your budget.
Need Help Choosing the Right Option?
Whether you’re considering cosmetic enhancements, need general dental care, or require emergency treatment, our flexible financing options are designed to support your needs and budget. There’s no need to delay care—your healthier, pain-free smile is within reach. We’re here to guide you. During your consultation, our team can walk you through the options and help you determine which provider aligns best with your treatment goals and financial situation.
Book Your General and Cosmetic Dentistry Consultation
📞 Call (03) 9629 7664 | 0413 014 122
REQUEST AN ONLINE PERSONALIZED QUOTE ➤
REQUEST FOR A FREE TELECONSULTATION ➤
“See the Smiles We’ve Transformed — Yours Could Be Next!”
Transformations That Inspire — See Our Stunning Before & Afters
Make Your Dream Smile Affordable – Ask Us About Your Payment Options & Super Access Options
Transform Your Smile Without the Financial Stress! Explore easy, affordable options to fund your dream smile makeover — choose from interest-free dental financing or access your superannuation for dental treatment. Take the first step toward a confident new you —contact us today (03) 9629 7664 | 0413 014 122 for a free consultation! Alternatively, you can send us an email.
FIND OUT MORE:
Accessing your superannuation for dental treatment in Australia
Expenses eligible for release on compassionate grounds for Super Access
Get the treatment that you need with Dental Financing Offer of up to 4 years with TLC
Enquire to TLC Weekly or Monthly repayment Quote 1 300 045 047
Apply for TLC Dental Financing
Explore other Financing options and see if you are Eligible for dental finance
More Than a Dentist– Meet Dr. Zenaidy Castro, Artist and Visionary
Welcome to the world of Dr. Zenaidy Castro — a passionate and skilled cosmetic dentist who not only transforms smiles but also expresses beauty through fine art and photography. Beyond the dental chair, Dr. Castro is a visionary abstract artist and accomplished photographer, known for creating emotionally rich and visually stunning masterpieces. She is the founder of Heart & Soul Whisperer Art Gallery, an online gallery showcasing her unique artistic voice that blends emotion, color, and soul.
We invite you to explore her creative universe at Heart & Soul Whisperer Art Gallery and discover how her artistic spirit inspires everything she does — from designing beautiful smiles to capturing the beauty of life through her lens and canvas. Check Dr Castro’s curated Black and white Fine art Photographs
Disclaimer:
The information on this website is for information purposes only. Is not a substitute for a proper professional care and advice. Each patient’s outcomes, risks, potential complications, and recovery differ. Any dental procedure, minor or major, carries risks, some minor and some serious. Before and after images seen on our Social Media and website pages are our actual patient and have been published/posted with our patients’ permission. All of our patients photos are subject to Copyrights protection. We are strong believers in responsible aesthetics. Every cosmetic, medical, or dental procedure comes with its own set of risks and benefits. Cosmetic Dentistry results will vary from patient to patient. Call our office and book for an actual in-office consultation for us to assess if you are a good candidate for a particular treatment. All of our Specials and packages posted on this site are subject to terms, conditions and availability. The exact fee for a particular cosmetic procedure will be determined after a preliminary assessment distinguishing your unique personal needs and the type of work needed. The prices mentioned on any of our website as well as any mentioned payment plan by a third party source, are just a guide and is subject to change. Call the third party financing providers or visit their website for more info. Please call the office on 9629-7664 for further queries or clarification.
