Compare Personal Loans – Without affecting your credit score.

Dental loans to fit your needs.

Compare lenders, loans and rates with our simple 3 step application

From $5000

Loan Amounts

1-7 Years

Loan Terms

Credit Protect

Find out your qualifying rate

At iCREDIT, we recognize the importance of a healthy smile.

If you’re contemplating a transformative journey such as dental surgery, we’re here to provide specialized dental surgery loans tailored to your needs.

Our mission is to ensure that everyone can access the gift of improved oral health through customized financing solutions. Let our expertise handle the financial aspects while you focus on your smile’s brighter future. Discover how iCREDIT can make dental surgery more achievable for you today.”

Loan Types

Loans With Security


Secured personal loans use an unencumbered asset such as a car, boat, caravan or motorbike as security for the loan. A Secured Personal Loan can help in borrowing higher loan amounts as this provides comfort for the bank as it helps reduce their overall risk.

Unsecured Loans


Unsecured personal loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured personal loans can start from $5000 to $60000.


How much do you want to borrow?


*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $40,000 secured over a term of 7 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 6.99% Comparison Rate: 7.71%

Common Questions

What are dental loans?

Dental loans are a form of personal loans used to finance various dental procedures, including check-ups, cleanings, cosmetic dentistry, orthodontics, and oral surgeries.

How do dental loans work?

Dental loans work like typical personal loans. Borrowers receive a lump sum and repay it over time with interest, typically through fixed monthly installments.

What dental expenses can be covered by these loans?

Dental loans can cover a wide range of expenses, including routine dental care, restorative procedures like crowns and bridges, dental implants, and orthodontic treatments.

Are dental loans unsecured?

Dental loans can be either unsecured or secured, depending on the lender. Unsecured loans do not require collateral, while secured loans may use an asset as security.

What should I consider before getting a dental loan?

Before taking out a dental loan, consider your credit score, interest rates, repayment terms, and the overall cost. It’s also important to explore alternative options, like dental insurance or in-house financing offered by dental clinics.

A quicker, hassle free lending journey

Experience the ease of our straightforward 3-step process, ensuring you access your funds without delay.

Apply Online

Complete your application online in less than 5 minutes.


Upload your supporting documents

View Offer

Once approved – Review your loan offer and accept online

Why Choose iCREDIT for Dental Surgery Loans?

With iCREDIT by your side, your path to dental wellness becomes more accessible and cost-effective. Our substantial national influence enables us to secure competitive dental surgery loan rates. Rather than navigating multiple bank applications, we streamline the process by evaluating lenders and loan options to match your specific requirements. Furthermore, our personal finance consultants are dedicated to delivering the ideal solution tailored to your needs, ensuring you move forward with confidence toward a healthier and brighter smile.

It takes minutes to start your loan journey.

We’ll provide you personalised, qualifying rates and loan packages to choose from helping you make a confident, informed decision on your loan.

Guides on Dental Surgery Loans

Dental surgery is a transformative procedure that can enhance your oral health. However, the cost of dental surgery can be a barrier for many individuals.

This guide is here to provide you with comprehensive insights into dental surgery loans, making it possible for you to achieve the healthy smile you’ve always wanted without breaking the bank.

Selecting the Right Lender for Your Dental Loan

Choosing the right lender for your dental loan is a pivotal step in your journey to oral well-being. At iCREDIT, your trusted financial partner, we specialise in crafting tailored financing solutions for various healthcare expenses, including elective procedures such as dental surgery.

Our process is meticulously designed to streamline and expedite your financing experience, addressing the unique demands of medical loans. We are committed to securing competitive interest rates and flexible terms that align with your needs. With iCREDIT, you can embark on your dental procedure with the confidence of knowing your financing is in expert hands, ensuring a smooth and transparent process as you invest in the gift of a healthier smile.

Exploring Dental Loan Options: The Full Financial Perspective

While certain lenders may attract borrowers with the promise of lower interest rates for dental loans, it’s crucial to assess the complete financial landscape.

Some of these lenders may counterbalance their lower rates by introducing higher setup fees or monthly administration charges. As you delve into your financing choices, it’s wise to evaluate the overall cost of these additional fees in comparison to the advantages of lower interest rates. Depending on your unique financial situation and the total loan expenses, selecting a lender with slightly higher interest rates but reduced upfront or administrative costs may ultimately deliver a more cost-effective and transparent financing experience.

Interest Free Loans

Interest-free plans for dental procedures can be an attractive choice for individuals seeking a manageable way to cover their oral healthcare costs without immediate interest expenses. These plans often include a grace period during which no interest accrues on the loan.

It’s essential to thoroughly comprehend the terms and conditions because once the interest-free period concludes, interest rates may become applicable. These post-grace period rates can potentially be as high as standard credit card interest rates. Thus, it’s prudent to scrutinize the terms, calculate possible post-grace period interest expenses, and make an informed decision regarding the overall affordability of your dental surgery financing

Budgeting for Your Dental Surgery Loan

Crafting a budget for your dental surgery loan is a vital element in effectively managing your financial commitment. To begin, familiarize yourself with your loan terms, encompassing the interest rate, loan duration, and monthly repayment amount. Verify that your monthly budget comfortably accommodates these repayments without causing financial strain. It’s prudent to allocate a contingency fund for unforeseen expenses as well.

Furthermore, factor in potential post-surgery costs such as follow-up appointments and prescription medications. A well-structured budget equips you to navigate your dental surgery financing confidently, ensuring a clear path to a healthier smile without financial pressure.

Need some information about Personal Loans?


Whether you find yourself puzzled by the differences between secured and unsecured loans or are seeking clarity on the loan journey; Our comprehensive resources are at your service to explain all aspects of financial terminology and procedures.