Implant treatment is a meaningful investment. The good news is that there are several legitimate ways to spread the cost, and choosing the right one is often the difference between starting now and putting it off for another year. Below is a clear breakdown of the payment plan options available at Melton Dental House for dental implant treatment, what each one suits, and what to think about before you choose.

Why There Is No Single “Best” Plan

Single tooth implants, multi-tooth implants and full arch solutions like All-on-4 Plus® all sit at different price points. So the right payment route depends on the size of your case, your preferred repayment timeline, and whether you want interest-free or are comfortable with a personal loan.

Most patients land on one of three categories: short-term interest-free for smaller cases, longer-term interest-free for larger cases, or a personal loan or super release for the most comprehensive treatment plans.
Short-Term Interest-Free: Afterpay, Zip Money, Humm, Smile Now
Best for: smaller treatments under roughly $3,000.

If your case is a single tooth implant or part of a smaller staged plan, short-term interest-free options often make the most sense. At Melton Dental House, we currently offer:

• Afterpay: four payments over 8 weeks, used for amounts up to your personal Afterpay limit
• Zip Money: weekly, fortnightly or monthly instalments, for treatment between $1 and $1,500
• Humm: interest-free over up to 12 months, $0 up front, for treatment between $100 and $3,000
• Smile Now: weekly or fortnightly direct debit over 12 to 20 weeks, for treatment between $250 and $2,000

These plans are quick to set up but limited in size. They suit a smaller implant case or a deposit toward a larger one.
Longer-Term Interest-Free: DentiCare and MediPay
Best for: multi-tooth implants and full arch cases between $3,000 and $55,000.

For most implant cases at Melton Dental House, the practical options sit in this middle band:

• DentiCare: an interest-free payment plan with a 20% deposit, calculated over 12 to 18 months, for treatment between $3,000 and $12,000. Weekly, fortnightly or monthly repayments
• MediPay: payment plans from $2,000 to $55,000 over up to 48 months. Apply online in around 5 minutes and receive a decision in under 60 minutes. Fortnightly or monthly repayments, no early repayment fees

This is the band that suits multi-tooth implants and many All-on-4 Plus® cases. The longer repayment window keeps monthly payments manageable while keeping the interest cost down compared with a standard personal loan.

Personal Line of Credit: TLC

Best for: larger cases or where flexibility matters more than interest-free terms.

TLC offers funding up to $50,000 as a line of credit. It is classified as a personal loan, so interest applies. You arrange this directly with TLC, which means more flexibility in how the funds are used but a different cost structure to the interest-free plans above.

TLC is often the right answer when a treatment plan exceeds the limits of MediPay or DentiCare, or when a patient prefers the flexibility of a line of credit.

Super for Health: Compassionate Release of Superannuation

Super for Health helps Australians access their superannuation early through Compassionate Release of Superannuation (CRS) for major dental treatment. CRS is a strict process administered through the ATO and is only available where treatment meets specific criteria. It is not a marketing offer or a shortcut.

It is a genuine option for some patients, but it is not for everyone. We recommend speaking with a financial adviser or accountant alongside the Super for Health team before committing to this route. We can introduce you to the process at consultation, but the decision is yours and your financial adviser’s.

Important Things to Know Before You Apply

A few honest reminders that apply across every plan listed above:

• All payment plans are subject to credit checks
• The payment plan companies listed are independent of Dental House Group. We do not earn from your choice of provider
• There are no hidden fees in our treatment quote. What you see in your written treatment plan is what you pay us
• Interest-free does not mean fee-free for every product. Always read the provider’s terms before signing

What to Bring to Your Consultation

Bring a few things to make the conversation efficient:

• A rough idea of the monthly repayment you are comfortable with
• Any health fund details, since rebates can offset part of the cost
• A note of any preferred plan you are already familiar with

We will provide your written treatment plan with a clear breakdown of cost, then talk through which payment options realistically fit your numbers. No pressure, no upselling. The plan that gets you started is the right plan, even if that means staging your treatment.

How to Set Up a Plan

Once you have confirmed your treatment plan and chosen a payment route, most providers can be set up in a single online application. MediPay returns a decision in under 60 minutes. DentiCare requires a 20% deposit before treatment commences. The shorter-term plans (Afterpay, Zip, Humm, Smile Now) can usually be approved on the day. Setting this up before your treatment date keeps everything moving smoothly.

Ready to Get a Clear Quote?

If you are weighing up dental implant treatment in Melton and want a clear picture of what it actually costs you per month, the next step is a clinical consultation. We will walk you through your treatment plan in writing and the payment routes that fit.

Book your consultation with the team at Melton Dental House, or download our price guide first if you would like to see indicative numbers before you come in.

Services we mentioned: