At Your Family Dentist we never want cost to delay your care. We offer several safe, straightforward payment options so you can choose what suits your budget and begin treatment with confidence.
No lengthy process and no obligation — just a clear path from consultation to treatment.
We examine your teeth, discuss your options, and give you a clear treatment plan with a written fee estimate.
Pick the payment option that suits you from those below. Most applications take only a few minutes.
Once approved, we begin your treatment and you pay over time in comfortable instalments.
Before you apply for anything external, this is often the simplest option — and there's no credit application at all.
With our in-house arrangement you don't pay for your whole treatment upfront. We structure the treatment into clear stages, and you pay for each appointment as you reach it — which makes even larger treatments manageable without any third-party finance.
Your treatment is broken into clear, manageable appointment stages.
You pay only for the treatment completed at each appointment.
No application, no interest and no third party involved.
Prefer to spread the cost through a finance provider? We work with these six. Approval criteria and terms are set by each provider, not by us.
A quick guide — we'll help you match your treatment and budget at your appointment.
| Option | Best suited to | Interest | Credit check |
|---|---|---|---|
| In-house pay-per-visit | Staged treatments of any size | None | No |
| Afterpay | Check-ups, cleans, smaller treatments | Interest-free | Yes, by provider |
| DentiCare | Ongoing and orthodontic treatment | Interest-free | No credit checks |
| Zip | Everyday and mid-range treatment | Interest-free on eligible plans | Yes, by provider |
| Humm | Everyday treatments, medium plans | Interest-free on eligible plans | Yes, by provider |
| Payright | Larger treatments over longer terms | Fees may apply by term | Yes, by provider |
| Superannuation release | Major procedures, orthodontics, implants | Not applicable | Eligibility assessed by the ATO |
Our in-house pay-per-visit arrangement, Afterpay and DentiCare are interest-free. Zip and Humm may be interest-free on eligible plans. Payright may include fees depending on the term. We'll explain all costs before you choose anything.
Yes — most options allow early repayment without penalty. Terms are set by each provider, so check your agreement or ask us and we'll confirm for the option you're considering.
Valid ID, a mobile phone and a payment method. Some providers may ask for additional details such as income information as part of their assessment.
It depends on the size of your treatment and how long you'd like to spread the cost. Smaller treatments usually suit Afterpay; staged or larger treatments often suit our in-house plan, DentiCare or Payright. We'll match your treatment and budget to the option that keeps payments comfortable.
Yes. Where you have dental cover, we can process your health fund rebate on the spot and you only need to arrange payment for the remaining gap. Bring your health fund card to your appointment.
Eligible children can be bulk billed under the Child Dental Benefits Schedule (CDBS), which covers a range of basic dental services. We can check your child's eligibility for you — see our children's dentistry page for details.
Third-party payment options are provided by independent finance companies, not by Your Family Dentist. Approval is at each provider's discretion and subject to their eligibility criteria, terms and conditions. Fees, interest and charges may apply depending on the provider and the term you select — please read the provider's terms before applying.
Early release of superannuation on compassionate grounds is assessed by the Australian Taxation Office against its own eligibility criteria, and accessing your super early will reduce your retirement balance. We can assist with the application process but we do not provide financial advice. Consider seeking independent financial advice before applying.
Book your appointment online and we'll walk you through the payment option that suits your treatment and your budget.
