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The cost of visiting the dentist can be the most painful part.

It’s normal to avoid going to the dentist, but if you haven’t booked an appointment because of the expense, a personal loan can help.

From fillings and extractions to teeth whitening and braces, a dental loan can get your dental work done now, not later.

How does a dental loan work?

A dental loan is a personal loan that can be used to fund dental work not covered by Medicare or your private health insurance.

Simply apply online and once you’re approved; you use the funds to pay for your dental treatment. You’ll then pay the loan back in small, easy to manage repayments.

Dental loans from Great Southern Bank

We love to see our customers smile, that’s why our loans come with:

  • A personalised interest rate.
  • $0 monthly account fee.
  • Fee-free extra repayments.
  • No penalties for early payout.
  • Free redraw – in case you need your additional repayments.3
Can you get a personal loan for dental work?

Yes. While we still think that saving up for the things you want is smart, this strategy isn’t helpful when you’ve got a toothache or haven’t had a check-up in a while.

Or maybe you’ve received some expensive costs for emergency dental work – ouch!

A dazzling smile increases self-confidence, so whatever your reason, our personal loans for dental work have got you covered.

Dental loans can be used for:

  • Ceramic fillings
  • Sealants
  • Teeth whitening
  • Veneers
  • Dental implants
  • Ceramic crowns
  • Emergency dental work
  • Root canals
  • Braces – for you or your kids
  • Retainers
  • Bite plates
  • Head gear
  • Tooth repair
  • Dentures
  • Removals and extractions

In need of something else? This list is not exhaustive and you can still apply. Or contact us via live chat if you have any questions.

Dental loan calculator

Estimate your repayments and find your loan today.

Eligibility checklist

You must be

  • At least 18 years of age
  • A permanent resident of Australia
  • Receive a regular income
  • Have not been bankrupt or insolvent in the last five years

You’ll need

  • An email address and contact number
  • Existing Great Southern Bank customer number (if you're already a customer)
  • Australian driver's licence, Medicare or passport details
  • Employment and income details
  • Details of any existing loans and expenses
How to apply for a dental loan
1. Apply online
It should take 10 minutes.
You will need proof of ID and your current financial information.
2. Approvals
If approved, you will receive your loan contract to accept online.
3. Access your money
Your loan is paid into your Great Southern Bank account.4 You can also view repayment details online and on our mobile banking app.
We've been putting customers first for more than 75 years.
Flexible loan options
Pay it off your way.
Clever features to help you save money

From personalised interest rates to no monthly fees, you’ll be saving smarter, not harder.

We’re customer owned

That means no shareholders. Our profits go back into new products and clever ways to help you manage your money.

A personalised rate* tailored to your credit score
Unsecured Fixed Personal Loan
Loans from $5,000 to $75,000.
Interest rate from
Comparison rate from2
Used for

Dental loan FAQs

Got a question? Chances are you`ll find your answers here.

It’s normal to take your time deciding which loan is right for you. If you have any questions, call us on 133 282 for a chat.

What is a personalised interest rate?

A personalised interest rate is an interest rate based on an assessment of your credit score. If you have an excellent credit score and a good history of repaying loans, credit cards and other bills, you’ll likely be offered a lower interest rate.

When you apply for a personal loan, your individual situation and credit score will be considered when calculating your personalised interest rate.

What is a comparison rate?

A comparison rate is the interest rate, plus additional fees and charges you will be expected to pay over the loan term. As comparison rates indicate the true cost of a loan, they make it easier to decide which is best for you.

Can I make repayments on a weekly or fortnightly basis?

Yes. Your loan contract will be set up for monthly repayments initially, but if you prefer to pay in weekly or fortnightly installments simply call us on  133 282 or drop into a branch and we can arrange this for you.


Calculate your dental loan repayments

An ideal loan for a range of purposes. Learn about personal loan types
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Must be between $5,000 and $100,000.
Loan term (years)
Repayment frequency
Estimate your credit rating
Tell us what you think your credit rating may be and we can estimate your interest rate. What’s a credit score?
Estimated repayments
Interest rate for good credit
Comparison rate2
This estimate is based on information you've provided. Your interest rate and repayments will be confirmed on assessment.
Apply now
Apply in 10 minutes
Your total repayments will be $XX,XXX. Your total interest will be $X,XXX.

The calculations provided are estimates only and are based upon the information entered by the user. The calculations do not include upfront or continuing credit fees and charges and do not constitute a loan application or variation to an existing facility, loan offer or loan approval.

Your contracted personal loan repayments will be set to a monthly frequency, meaning you will need to meet the agreed repayment amount by the due date stated on your loan contract each month. To meet this minimum monthly amount, you can however make repayments weekly or fortnightly.

Ready to apply?
Apply online and get started today.
Apply now

Learn more about personal loans

Handy tips to help you find the loan that's right for you.
Seizing the moment: a guide to personal loans

Applying for a personal loan can be be a bit confusing. Read our guide to discover everything you need to know when applying.

Read more
How much do braces cost?

Do we offer a loan for braces? Yes, you can opt for a dental loan which can fund dental work that is not covered by Medicare or your private health insurance. Pay for any dental procedure & we’ve got you covered.

Read more
Tips on how to get a personal loan

Looking for a personal loan but unsure how to get started? We can help! This guide offers tips and advice for getting a personal loan.

Read more
Get in touch
We're here to help.
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Find a branch
Speak to one of our friendly staff at a branch near you.
Connect online
Chat to us or browse help topics and FAQs.
Important Information

Loans are issued by Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply.

Rates current as at 9 June 2024 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.

1. Comparison rate examples are accurate for a personal loan amount of $30,000 secured loan over a term of 5 years. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2. Comparison rate examples are accurate for a personal loan amount of $30,000 unsecured loan over a term of 5 years. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

3. A $200 minimum withdrawal amount applies for redraws conducted in-branch. Redraw facility is available for Great Southern Bank Personal Loan products on offer from 6 June 2017.

4. You will need to hold a Great Southern Bank everyday account when the loan is funded.

*The rate you are offered is calculated based on your personal circumstances and credit history. A few different factors are considered, including:

  • Your credit score.
  • Information provided in your application.
  • Existing loans.
  • The loan amount and your perceived ability to repay the loan.

Your personalised rate won’t be confirmed until you receive an offer from us (if approved) and is subject change before your loan settles.