Flexible Payment Plans

We understand that dental treatment is an important investment. At Dental Hub Geelong, we offer a range of flexible payment plan options to help make treatment more manageable.

INTEREST-FREE PAYMENT OPTIONS

Smile Now, Pay Later

We work with trusted partners to provide flexible finance solutions for eligible patients:

Pay in 4 instalments
Fortnightly payments
Instant approval for eligible applicants
Available for treatment plans up to $4,000 at our practice
A 6% fee applies to the total treatment amount

0% interest payment plans
Finance available up to $12,000 (treatment plan limit)
20–50% deposit required
Remaining balance paid via direct debit
Terms available from 6 to 24 months
Admin fee applies

Finance available from $2,000 to $70,000
Flexible repayment terms up to 30 months
Application managed entirely by TLC consultants
Call 1300 045 047 or visit https://tlc.com.au/ for more information

Finance available from $1,000 to $30,000
Choose fortnightly or monthly repayments, up to 48 months
Apply at www.hummloan.com or download the Humm app
Nominated repayments deducted automatically
Track your schedule via the Humm app

Early Access to Super

You may be able to access your superannuation early under the ATO’s compassionate release of super program for essential dental care.

Directly through the ATO – A $50 fee applies for the required clinical report (credited toward your treatment)..
Through a third-party service – Some patients prefer paid support to handle the paperwork.

Visit the ATO website or contact us to check your eligibility.

Finding the Right Payment Option

Need help choosing the right payment plan?

Give our receptionist a call to discuss the pros and cons of different payment plan options.

RECOGNISING WISDOM TOOTH ISSUES

Convenient Payment Plans

How It Works

Getting started with our payment plans is simple:

STEP 1

Consultation

Schedule a visit with our Geelong dental team to assess your needs and recommend the right treatment.

STEP 2

Choose Payment Plan

We’ll help you compare options. AfterPay is ideal for minor treatments. DentiCare, TLC, and Humm offer solutions for broader procedures.

STEP 3

Apply & Approval

Application processes are straightforward and can be completed either during your visit or online.

STEP 4

Treatment

Once approved, your treatment can begin without delay.

Achieve Your Dream Smile Without Breaking the Bank

Explore your options with our friendly team. We’re happy to guide you through our available payment options.

AfterPay FAQs

Who can use Afterpay?

You must be:

At least 18 years old
A resident of Australia
Using a valid debit or credit card
Registered with an active Afterpay account

Is there a spending limit with Afterpay?

Yes. Spending limits start around $600 for new users and increase gradually with consistent on-time payments. Your available spend is visible in the Afterpay app.

Is there any interest or hidden fees?

No. Afterpay is completely interest-free when you pay in 4 payments.

What happens if I miss a payment?

Afterpay will charge a late fee, and your account may be paused until payments are up to date. Always ensure funds are available on the due date to avoid interruptions.

How to Use Afterpay at Dental Hub Geelong

Step 1: Book your appointment by calling our friendly team.

Step 2: Download the Afterpay app and sign up if you haven’t already.

Step 3: Before your visit, check your available spend by tapping the barcode icon in the app.

Step 4: After your treatment, open the app and generate a barcode for our team to scan at reception.

Step 5: Your first fortnightly payment will be debited automatically.

Step 6: Your full payment schedule will be shown in the app immediately after approval.

DentireCare FAQs

What treatments can I use a payment plan for?

You can use DentiCare’s interest-free payment plans for a wide range of treatments, including general, cosmetic, restorative, and children’s dentistry, as well as orthodontics. This payment plan is available for both new and existing patients. Just talk to your Geelong dentist about how our flexible finance options can work for you.

Who is eligible for a DentiCare payment plan?

To qualify for a DentiCare payment plan, you need to:

Be over 18 years old
Be an Australian citizen
Be employed
Not be under any debt or bankruptcy agreements

If you meet these criteria, talk to your dentist to get started with our easy payment plan options.

Can I use a DentiCare payment plan with my Health Fund?

Yes, you can use our DentiCare payment plans along with your Health Fund rebate. If you plan to combine these, let our receptionist at Dental Hub Geelong know your payment preferences, and they’ll help you arrange everything.

What should I consider when choosing a payment plan?

When setting up your payment plan, make sure the deposit and payment terms fit comfortably within your budget. Missing a payment could lead to interest charges or additional fees, so it’s important to choose a plan that you can manage easily.

Is a DentiCare payment plan the same as a credit contract?

No, a DentiCare payment plan is not a credit contract. It’s a straightforward, interest-free direct debit plan. Unlike credit products, it doesn’t involve interest or detailed credit checks, and there are no hidden fees.

When will my payments be deducted?

Payments are debited according to your chosen schedule. They can be processed any time from midnight to morning on your specified debit date. To avoid issues, ensure there are sufficient funds in your account the night before your payment is due.

Early Access to Super FAQs

Can I use superannuation to pay for any dental treatments?

Yes, patients may be eligible to access their superannuation early through the Australian Taxation Office (ATO) on compassionate grounds for certain necessary dental treatments. For full details and current requirements, please visit the official ATO website.

Am I eligible to use my superannuation to pay for my dental treatments?

The option to apply for dental superannuation early release is available to all citizens and residents of Australia. You will have to satisfy the minimum criteria to be declared eligible. It’s also important to know the cut-off dates for making claims. We will ensure you will have a clear view of the complete list of requirements and will be able to identify if you meet them.

What if I don’t have enough superannuation funds to cover the cost of my treatment?

If your Super cannot cover the amount needed for your treatment, you may have the option to use the Super funds of another family member.

TLC (Total Lifestyle Credit) FAQs

What is TLC and how does it work?

TLC provides access to personal loans for eligible applicants to help fund essential medical and dental care, including treatment at Dental Hub Geelong. The application process is managed by TLC’s dedicated consultants.

How much can I borrow through TLC?

Loan amounts range from $2,000 up to $70,000, depending on individual circumstances and approval criteria.

What repayment terms are available?

Flexible terms are available, with repayment periods of up to 30 months.

Are credit checks or income details required?

TLC will assess your application based on individual financial criteria. Their team will guide you through what’s needed for assessment.

Who manages the loan process?

TLC consultants handle the entire process, from enquiry to approval, and can assist with any questions throughout.

How can I apply?

To begin, call 1300 045 047 or email admin@tlc.com.au. Their team will assist with your application and provide full details.

Humm FAQs

What is Humm and what can it be used for?

Humm is a buy now, pay later provider offering finance for a wide range of purchases, including dental treatment. You can apply for finance to cover eligible procedures at Dental Hub Geelong.

What are the borrowing limits with Humm?

You can request finance for amounts $1,000 to $30,000*, depending on approval and merchant terms.

What are the repayment options?

Repayments can be made fortnightly or monthly. Terms can extend up to 48 months, depending on your approved limit and chosen plan.

How do I make repayments?

Repayments are automatically deducted from a nominated bank account or debit card. Your schedule is available within the Humm app for easy tracking.

How do I apply for Humm?

You can apply directly via www.hummloan.com or by downloading the Humm app from the App Store or Google Play.

Is pre-approval available?

Yes, you can request a pre-approved limit through the Humm app or website. The application process is guided and straightforward.

Flexible Payment Plans

INTEREST-FREE PAYMENT OPTIONS

Smile Now, Pay Later

Early Access to Super

Finding the Right Payment Option

RECOGNISING WISDOM TOOTH ISSUES

Convenient Payment Plans

0% Interest

Pay Later

Easy Applications

Covers All Treatments

How It Works

STEP 1

Consultation

STEP 2

Choose Payment Plan

STEP 3

Apply & Approval

STEP 4

Treatment

Achieve Your Dream Smile Without Breaking the Bank

AfterPay FAQs

DentireCare FAQs

Early Access to Super FAQs

TLC (Total Lifestyle Credit) FAQs

Humm FAQs

Contact us about our Special Offers

MONDAY	8:30 am – 5:30 pm
TUESDAY	8:30 am – 5:30 pm
WEDNESDAY	8:30 am – 5:30 pm
THURSDAY	8:30 am – 5:30 pm
FRIDAY	8:30 am – 5:30 pm
SAT & SUN	CLOSED

Flexible Payment Plans

INTEREST-FREE PAYMENT OPTIONS

Smile Now, Pay Later

Early Access to Super

Finding the Right Payment Option

RECOGNISING WISDOM TOOTH ISSUES

Convenient Payment Plans

0% Interest

Pay Later

Easy Applications

Covers All Treatments

How It Works

STEP 1

Consultation

STEP 2

Choose Payment Plan

STEP 3

Apply & Approval

STEP 4

Treatment

Achieve Your Dream Smile Without Breaking the Bank

AfterPay FAQs​

DentireCare FAQs

Early Access to Super FAQs

TLC (Total Lifestyle Credit) FAQs

Humm FAQs

Contact us about our Special Offers

AfterPay FAQs