Receiving the dental treatment you need, or have been wanting, should be simple and stress-free.
Making your dental care accessible
At Smile Solutions we offer a range of flexible payment plans for all general, cosmetic, and specialist treatments.
We partner with reputable payment plan providers to give you options that suit your needs, with details varying based on the provider, treatment, and your personal circumstances.
Our friendly team is here to guide you through your options, helping you find a plan that works for your needs and budget.
Payright allows patients to pay off their treatment in fortnightly instalments.
- Treatment plans from $150 up to $20,000
- 3, 6, 12, 18, 24 or 30 month term
- Interest Free – 0% interest
- Easy fortnightly payments
- Simple application process at our practice
- Low establishment fee
- Payright is designed for consumers who meet the following eligibility requirements:
- are 18 years of age or older
- hold an Australian drivers’ licence, passport or other Australian Government issued identity documentation as accepted by Payright
- are permanently resident in Australia, and
- have a verifiable email address and Australian mobile number
Repayment Calculator
TLC provides payment plan solutions in the form of a personal loan, providing funding from $2,001 – $50,000 for a period of up to 84 months.
- Standard default fees apply as per your agreement with TLC
- Interest rate is dependent on individual credit score
- Fortnightly or monthly instalments
- In order to apply, you must be:
- Over 18 years old
- An Australian citizen or permanent resident
- Make $25,000 or more per year and be employed or self-employed
- Have a current Driver’s Licence, Passport, or Medicare Card
- NOT bankrupt or in a current Part IX, X agreement
In certain cases, patients may apply for early access to their superannuation on compassionate grounds when they or a dependant face urgent health‑related needs and all other means of covering the expense have been exhausted. Access is allowed only in strictly defined circumstances; for dental treatment, this means procedures that are urgently needed to treat serious health issues or relieve severe pain and are not readily available through the public health system.
This option allows you to:
- Access dental procedures you may otherwise be unable to fund
- Use the full amount available in your super, with no cap beyond your fund balance
- Avoid credit checks, since you are accessing your own savings
- Bypass lengthy payment plans or the accrual of large debts
Frequently Asked Questions
Does Smile Solutions give advice on payment plans or accessing superannuation for dental treatment?
Smile Solutions does not provide financial guidance. This page is for informational purposes only and is not intended to provide legal, financial, or superannuation advice. We recommend consulting a financial adviser, your financial institution, or a superannuation specialist before making any decisions regarding payment plans or accessing superannuation funds.
Am I eligible to access my super on compassionate grounds?
The ATO oversees all requests for early super access, which is granted only under strict conditions. At Smile Solutions, our clinicians will provide clinical documentation only if they determine it is necessary and justified.
Is there a minimum spend to start a payment plan?
A minimum treatment amount of $150 is needed to set up a payment plan.
What should I expect once my plan is approved?
If your payment plan is approved, it will be set up with the financial provider and repayments organised according to their terms, allowing you to start your treatment as planned.
What’s the process for joining a payment plan?
Your journey starts with a consultation with one of our registered clinicians who will assess your oral health, discuss your concerns, and outline potential treatment options. A personalised treatment plan will then detail recommended treatments, costs, and appointment timing. Your Treatment Coordinator will guide you through available third-party payment plans, explain how they work, and answer any questions. Should you choose to proceed, they will assist you with the application, which is submitted directly to the payment plan provider.
Discover how Smile Solutions can help you with a complimentary consultation
This appointment is a discussion only and does not include a check-up, x-rays, scans or any other clinical treatment. A $50 refundable deposit is required to secure the appointment.
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