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Loans for dental work

A loan can help pay for that all-important dental work. Now you have no excuse for skipping your next appointment.

Dental work in New Zealand is known for being costly. For this reason, many people put off their regular checkups in fear of how much they will need to pay, and with a lot of dentists not advertising their costs, this doesn’t help with the anxiety. Thankfully, loans for dental work can help when you get your pearly whites back into shape.

Whether you’re needing a filling, root canal, teeth whitening or a total smile makeover, there are different finance options available. Read on to find out more about the types of loans for dental work you can apply for and how to compare to find the right solution.

Compare loans for dental work

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
Harmoney Unsecured Personal Loan
6.99% - 19.99%
$2,000
$70,000
3 or 5 years
$0
$150
Eligibility: Be a NZ resident/citizen and have a good credit score.
Apply for an unsecured personal loan up to $70,000 with no early repayment fees.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 19.99%
$3,000
$50,000
6 months to 5 years
$0
$200
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
5.03% -19.30%
$2,000
$200,000
2, 3 or 5 years
$0
$200 - $1,450 depending on the amount borrowed
Eligibility: Be a NZ resident/citizen and have a good credit score.
Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
$1,000
$25,000
6 months to 4 years
$0
$240
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
49.95%
$1,000
$5,000
8 - 52 weeks
$4
$50
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium-term unsecured loans from $1,000 to $5,000 with no hidden fees.
100% ONLINE
The Lending People Personal Loan
6.95% - 26.95%
$2,000
$75,000
1 to 7 years
$0 - $10 depending on lender
$50 to $695 depending on lender
Eligibility: Be 18+, an NZ citizen or permanent resident, in employment and earning at least $500 per week.
Secured and unsecured loans of up to $75,000 from a variety of reputable lenders.
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Compare up to 4 providers

How do dental loans work?

A bank or lender allows you to borrow money to cover the costs of dental surgery and procedures. Depending on the type of loan you choose, you may be able to borrow as little as $100 with a short term loan, or as much as $50,000 with a personal loan.

For higher loan amounts, you usually have longer to pay it back. Loan terms vary from between two days to seven years, or if you opt to use a credit card, you can take as long as you like. However, the more time you take to pay it off, the more interest you will need to pay.

Loans for dental work are often unsecured, meaning lenders rely on your credit score and ability to repay rather than requiring you to supply collateral.

Fees are often charged for loans, which could include establishment fees and weekly or monthly maintenance costs.

How much does dental work cost?

Most people know dental work can be expensive, but how much does a visit to the dentist cost? Figures vary region to region, dentist to dentist, but you can use the following costs as a guide:

  • Checkup with X-rays. $95-$150
  • Scale and polish. $85-$120
  • Amalgam filling. $110-$165
  • Composite filling. $130-$185
  • Extraction. $170-$220
  • Porcelain veneer. $900-$1,300
  • Composite crown. $280-$500
  • Root canal. $900-$1,200
  • Single tooth implant. $2,500-$3,000

Major cities such as Auckland and Wellington are the most expensive places in New Zealand to have dental work, and you may find cheaper prices by travelling to a smaller nearby town.

Can I get finance through my dentist?

It is possible to get finance through many dentists, but make sure to check on their website or call to ask before your appointment. Depending on the clinic, they could offer one or all of the following options:

  • The dentist may use a third-party provider such as Finance Now to offer you a plan with affordable repayments.
  • Some dentists partner with Q Mastercard and/or Gem Visa so that you can pay off your dental treatment. You may enjoy deferred payments or an interest-free period of up to 18 months.
  • You may be able to pay off smaller costs over a period of up to 10 weeks interest-free with Genoapay, Zip or Oxipay.
  • Dental savings plans are becoming more popular with dentists across the country. Not only do they allow you to make affordable payments, but they help to keep you on top of your oral hygiene. Different plan options are available and you pay a set amount each week. The most basic plan covers the cost of annual checkups, X-rays and hygiene appointments, with comprehensive plans also accommodating for other dental treatments.

What loan options do I have for dental work?

  • Secured loan. With a secured personal loan, you need to put up an asset as collateral that is of equal or higher value than the loan amount. If you default on your loan, the lender will repossess the asset. Secured loans often come with lower interest rates because the lender is taking less of a risk.
  • Unsecured loan. This type of loan does not require you to use an asset as a guarantee but often comes with higher interest rates. This is because the lender is taking on a more significant risk than with a secured loan. You can usually borrow between $1,000 and $50,000 and use the loan amount for any purpose.
  • Short-term loan. These loans, also called payday loans, are usually for amounts between $100 and $2,000 and may be an option if you need finance for emergency dental surgery. Payday lenders typically offer quick turnaround times, with some sending you the money within 60 minutes. Please bear in mind that the repayment period is relatively short, usually between two days and one year.
  • Credit card. You also have the option of using your credit card to pay for dental work. Depending on your card’s limit, you may be able to cover the cost of surgery or other visits and check-ups. However, the rate of interest on your credit card is likely to be higher than the rate on offer from personal loans. Also, with no set repayment period, you may fall into debt if you do not keep on top of the payments.

    How to compare loans for dental work

    Here are some questions that can help you come to a decision:

    • What repayments can I afford? You can work out a rough idea of what your payments will be, based on the loan’s interest rate and ongoing fees. See if this amount will work with your budget.
    • How much do I need to borrow? With specific loan products, lenders place restrictions on how much you can borrow, so check the provider’s minimum and maximum amounts before you apply. Remember, you may not receive approval for the full sum of money, regardless of whether it’s below the provider’s maximum, as it depends on your income and credit history.
    • When do I need the money? Different lenders’ turnaround times vary, so it may be worth talking to them to find out when you can expect approval. If you need the money rapidly, you might want to consider a payday loan or check to see if your bank offers same-day loans for existing customers.
    • What is the status of my credit history? If you have any negative marks on your credit file, it will restrict the kind of finance you can access. Check the eligibility criteria of each lender, or you may want to consider a payday provider.

      How to apply for loans for dental work

      The application process differs according to the lender you choose, as will the rules for eligibility. If you find a loan you wish to apply for, click “Go to Site” in the table above to start the application process and discover the lender’s criteria and the documents you need.

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