CHEAP DENTAL LOANS

Compare dental personal loans from 90+ personal loan providers with RateCity. - Data last updated on 21 Jan 2019

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What is a dental loan?

Many Australians enjoy the physical and mental benefits that come with having a healthy set of teeth. Unfortunately, though, not all Aussies have dental insurance, and some procedures can be quite expensive. Thankfully, there are personal loans for dental care that can help those in need.

Personal loans come in two categories:

  • Secured personal loan – a secured personal loan that has collateral against it such as a car or home to protect the bank against default.
  • Unsecured personal loan – a loan without collateral against it that may come with a higher interest rate.

Personal loans for dental treatment tend to be unsecured.

Why do people use personal loans for dental in Australia?

Dental issues often happen unexpectedly, and in some scenarios, are an outright emergency. This can leave people without dental insurance in a sticky situation if they don’t have the cash needed to pay for such procedures. An unsecured dental loan could help ease a borrower’s stress and allow them get the dental treatment they need.

Dental loans for unemployed people are available, as are dental loans for people with bad credit. However, it’s typically advisable that these loans are used only for emergencies and not routine procedures, as those who are not working or have bad credit might have difficulty paying off the loan.

Using RateCity’s personal loan comparison tool can help you find a suitable dental loan for your circumstances.

What are the main features of dental loans?

Not all personal loans for dental treatments are the same. There are a number of features to consider:

  • Redraw facility – With this option, those who need dental work can ‘borrow back’ money already paid on their loan. Conditions may apply, such as a variable interest rate and only being able to withdraw funds in the account that are in excess of contractual repayments.
  • Fully-drawn advance – This feature can be helpful for those who can’t start paying off their loan immediately. With a fully-drawn advance, borrowers and lenders can determine a later date for making repayments on the debt.
  • Extra repayments – This is useful for those who want to pay off their debt earlier than anticipated. Many lenders offer this feature, and it is a good way to pay less total interest on a loan.

What are the pros and cons of dental personal loans?

Borrowers should consider the following potential advantages and disadvantages when seeking a dental personal loan:

Pros
  • Access to cash when stuck with a dental emergency
  • Interest rates can be lower than using a credit card
  • Structured repayment plan allows borrowers to map out their finances
Cons
  • Some personal loans could take time to secure, which might be an issue for those in a dental emergency
  • Borrowers who are unemployed and/or have bad credit might experience high interest rates
  • Personal loans for dental could put borrowers under further financial stress

If you need financial assistance for dental care, use RateCity’s personal loan calculator to find an appropriate personal loan for your circumstances.

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FAQs

Few, if any, lenders would be willing to give guaranteed approval for a bad credit personal loan. Borrowers with bad credit histories can have more complicated financial circumstances than other borrowers, so lenders will want time to study your application. 

It’s all about risk. When someone applies for a personal loan, the lender evaluates how likely that borrower would be to repay the money. Lenders are more willing to give personal loans to borrowers with good credit than bad credit, because there’s a higher likelihood that the personal loan will be repaid. 

So a borrower with good credit is more likely to have a loan approved and to get that approval faster, while a borrower with bad credit is less likely to have a loan approved and to get that approval slower.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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