Dental Loans

  • 5 minutes to apply

  • 2 hours to be approved

  • Minimal documentation required

What is a dental loan?

A dental loan is a type of personal loan that allows you to pay for necessary dental procedures, from fillings and crowns to surgeries and more. These cash loans are an easy way to get access to the money you need fast, so you don’t need to stress about affording the expensive medical procedures you require.

Our dental loans can be used for:

  • Fillings
  • Crowns
  • Extractions
  • Root canal treatments
  • Braces
  • Teeth whitening
  • Dentures
  • Teeth cleaning
  • Veneers
  • Orthodontist appointments

How our dental loans work

Having unexpected dental bills sprung on you can be stressful. Luckily, with a personal loan from Red Tree Finance, it doesn’t have to be. All you need to do is complete our online application form and you will receive a decision within 2 business hours of submission. This means your funds can be in your bank account as quickly as the very same day.

Apply online in 5 minutes

You can easily apply for dental care loans through our 100% online application form. Plus, this online application is completely secure and will take you less than 5 minutes. To make the process even easier, we will only ask for minimal documentation to access your suitability and nothing more. This means no more gathering mountains of paperwork to complete your application.

A fair decision in 2 hours

At Red Tree Finance we are committed to providing you with the best possible outcome. That’s why we have a team of Australian-based assessors who will review your application and give you a fair decision within 2 business hours of submission.
If your application has been approved, you will be notified immediately and you can receive the funds in your account the very same day.

Pay your way

With our loans for dental work, we can easily align your repayment amounts with your pay days. No more stressing about paying off your loan when the money hasn’t come in yet. Choose from weekly, fortnightly, or monthly payments.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibilities very seriously. Our team of experienced loan assessors in Australia will only recommend dental loans that they confidently believe can be repaid.

As responsible lenders, we carefully take into account each customer’s individual circumstances to make the best possible decision. No more committing to a loan you cannot afford.

Read our full Responsible Lending Statement

Am I eligible to apply for a dental loan?

You will be eligible to apply for a dental loan in Australia if you:

Eligibility Criteria
  • Are at least 18 years old

  • Are a permanent resident of Australia or valid visa holder

  • Own an unencumbered vehicle registered in your name

  • Have been employed for at least 3 months

Dentist loan rates and fees

At Red Tree Finance, you don’t need to worry about any hidden fees and charges. All your dental loan information is below:

Online cash loan amount

$2,100 - $5,000

Application Fee

$0 (even if your application is not approved)

Standard establishment fee


Other Fees

$20 (included in loan)

Annual Interest

47% (Comparison Rate 66.0347%)*

Loan term

12 Months

Flexible repayment options

Weekly, fortnightly or monthly (based on your payday)

Direct debit dishonour fee

$35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid

How to apply for a dental care loan online

You can apply for a dental loan of up to $5,000 with Red Tree Finance. Simply fill out our online loan application form for free and get a decision within 2 business hours.


Complete your application in less than 5 minutes.


A member of our assessment team will personally review your application.


Once reviewed, you’ll receive your outcome within two hours of submitting your application.

The information provided here is of a general nature and is provided without considering your specific objectives, financial situation, or needs. It is intended for informational purposes only and should not be relied upon as financial, investment, or other professional advice.

Before making any financial decisions or taking action based on the information presented, you are strongly encouraged to assess its appropriateness in light of your individual circumstances. Red Tree Finance does not intend to provide personalised financial advice, and you should seek independent financial, legal, tax, and other relevant advice tailored to your unique situation.

How much would you like to borrow?

Loan amount


Repayment frequency

Your monthly repayment

Loan term
12 months
Interest & Fees
Total to pay

WARNING: This comparison rate is 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. The above uses a comparison rate of 47% and upfront establishment fees of $420.

Frequently Asked Questions

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If you are currently paying for health cover, you may be eligible for some dental extras that will cover the cost of routine check ups and other dental procedures. However, these types of dental payment plans will all depend on the individual health cover. So, if you are facing unexpected dental bills, a loan can be a stress-free option to pay for dental treatment.

As part of our assessment process, we will carry out a credit check to make sure you fit the eligibility criteria. We will consider a wide range of factors to determine whether you qualify for a loan with Red Tree Finance, so it may be possible to secure a dental loan with a bad credit score or no previous credit history.

The application process with Red Tree Finance is super easy and can be compiled online, from anywhere in Australia! Plus, we’ve timed the process and it will only take a few minutes to complete. You will receive an outcome in less than 2 business hours.

What our customers say

Hear from customers who have been helped by Red Tree Finance.

See all
Thank you very much, I can't tell you how much you've helped me out today. I've been stressing all afternoon about having to pay for the repair and using all of our safety net, now we don't need to. I dealt with Kayla and she was wonderful. Thank you!
Damien R, QLD
Red Tree was really good in understanding and service was great and pretty quick as well.
Holly F, Perth
Great company to deal with. Response time was amazing. Would highly recommend. Thank you
Lauren F, Melbourne
Easy application and very responsive to questions and concerns
Bella T, Adelaide
Very helpful and patient staff, helped me with sending them photos of my ID. High recommend
Jane L, Sydney
Excellent Service, A+++++. Money was in my bank account within an hour
Adam S, Wagga

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