Australia’s most accessible financial broker

Let’s talk loan details

Loan amounts

Up to $65,000

Loan terms

3, 5, and 7 years

Loan types

Secured and unsecured

Repayments

Weekly, fortnightly, and monthly

Interest rate

Fixed

Dental Loan FAQs

If you haven’t used a finance broker before, you probably have some questions. Let’s help you get some answers.

How to pay for expensive dental procedures

A dental care loan is a fast way to get the money you need for expensive dental work. Some people also prefer to use a combination of private health insurance and a personal loan.

What credit score do you need to finance dental work?

If you apply for a personal loan to finance your dental work, it’s best to have a ‘good’ credit score of 600 and up. A lower credit score will limit your options for lenders and borrowing power. It also means you’ll probably face higher interest rates due to the higher risk to the lender.

Make sure to check the eligibility criteria if you are worried about your credit score. Applying for multiple loans that you aren’t eligible for, and getting declined, will only decrease your credit score further.

A broker has access to a large portfolio of lenders and can find you a loan to suit your credit rating. So you may still be able to get dental finance even if your credit rating is not ideal right now.

Should you take out a loan for dental work?

Dental loans are one way of financing your dental procedures. To find out if a loan is right for you, consider how much you need to borrow, how soon you need the money, and what interest rates and fees are involved.

Is it hard to get dental finance?

This will depend on your income, credit history and rating, and the lender you choose. The better your credit score, the more finance options you will have open to you. However, having an imperfect credit score does not necessarily mean you will be unable to get a loan.

Getting dental finance is easier with a loan broker. They can look at your unique situation and find a solution to meet your needs. Our brokers at Oceania Finance have over 20 years of finance experience helping people with a range of credit ratings to get a loan that suits them.

Why choose Oceania Finance?

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Our Process

Step 1

Submit basic information.

Step 2

One of our expert brokers contacts you for more information.

Step 3

We review lenders and negotiate to find the best loan for you.

Step 4

We file the application on your behalf.