Do you or your family need dental work done? Do you need to pay for dental expenses you've already incurred that aren't covered by insurance? 

Unfortunately, teeth, gum and mouth issues wait for no one, and once you turn 18 the New Zealand health system doesn’t cover some of the dental treatments that we so often need.

Whether you're looking to remove your wisdom teeth, deal with cavities and toothaches, or straighten and whiten your smile, an Instant Finance dental loan can grant you access to the dental care you need, exactly when you need it, or pay for the costs of a recent emergency treatment.

Why IF | Benefits

  • Apply online: Our online application process is super quick and easy. A few minutes on your smart phone or computer is all it will take to give us the info we need.
  • Same-day response: We’ll get in touch on the same day that you apply for your dental treatment loan to outline the next steps in the process.
  • Money within 24 hours: Once your dental loan is approved, the money will drop into your account within just 24 hours!
  • Personalised interest rate: We’ll craft a personalised and ultra-competitive interest rate based on your needs, wants and situation.

Interest Rates

As with any personal loan, you'll be charged interest when you take out a dental loan. The lower the interest rate, the lower the loan repayments, and the less you will ultimately pay for dental treatments. Dental loan interest rates are based on several variables, including loan size, term length, your circumstances and your credit profile.

At Instant Finance we pride ourselves on providing you with the financial help you need, exactly when you need it, on affordable payment plans. We offer dental care loans at fair rates over flexible terms, so you can get your teeth and mouth in order sooner.

Dentist Loan Calculator

Curious about the cost of dental loans, both in terms of monthly and total repayments? Our convenient loan calculator is simple to use and can give you a sense of how your dental loan and repayments will work. Adjust the dollar amount and loan term to see what your repayments might be!

  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.
  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.
  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.
  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

Tips

If you're considering a dental loan, the following tips can ensure you secure the finance you need:

  • Prioritise emergency treatments over elective or aesthetic treatments
  • Choose a dental practice and a lender you can trust, and who has proven their quality over time
  • Carefully read the terms and conditions to ensure you understand what you're signing up for
  • Use a calculator to get a sense of the dental treatment repayments you'll need to make

How to apply

To apply for an Instant Finance dental loan you need to be at least 18 years of age and a New Zealand resident or visa holder. If you tick those boxes, you can head to our online application form to get started.

The application process is quick and easy. You'll outline your dental loan needs, then supply some basic personal information, including your bank statements via a secure Illion link to help us meet the required affordability assessment.

The final step is to verify your identity with a New Zealand driver's licence or passport. If you don’t have either with you when you apply, don't worry, you can supply your ID later, either online or in person.

Apply Now!

You shouldn't have to put off important dental work just because you can't afford the treatment costs or dental bills. If you need to pay for dental work sooner rather than later, our team at Instant Finance is here to help, just like we have been for the last 50 years.

Apply online today to secure a dental financing option that works for you.

 

Start your Dental Finance application today

Apply Now