For Patients

Get the dentistry you need when you need it - with no interest EVER!

Working with dentists, MySmilePlan provides Interest Free dental plans for all general, cosmetic, orthodontic and specialist dental care making dentistry more accessible to all.

MySmilePlan means you can have the dental treatment you need, when you need it with no interest - EVER. MySmilePlan breaks the cost of your treatment into easy, fortnightly credit card payments over either 9 or 15 months depending on your plan value.  

We offer two plans; one for dental treatment up to the value of $2,000 with payments spread over 9 months and one for treatment up to the value of $9,000 spread over 15 months. General, cosmetic and specialist dental services are all covered and the easy application process is performed at the practice and takes just 2 minutes.

MySmilePlan Offers You:

  • Interest free - 0% interest - No interest EVER
  • Available for treatment plans up to $9,000
  • Payments spread over 9 months for up to $2,000 and 15 months for up to $9,000
  • Manageable fortnightly payments
  • Simple application process at the practice
  • Low establishment fee
  • Over 1200 dentists nationwide

Application Process

Following a consult with your dentist and acceptance of the treatment plan, the MySmilePlan application process is easy and immediate. All you have to do is provide:

  • Photo ID: Australian Driver's Licence or other government photo ID showing address
  • Credit card: MasterCard, Visa Debit or Credit Card
  • Contact details: 2 contact phone numbers and an email address

With this information, the team at your dentist will enter your details and a quick, 2 minute credit check will be performed. It is not income tested so no pay slips are required. On approval, you simply pay a 20% deposit and the one off $39 establishment fee prior to the commencement of your treatment plan.

MySmilePlan Fees

Establishment Fee$39
Credit Card Processing Fees$3 / fortnight
Late Payment Fee$9.50
Redraw FeeNil

Redraw Facility

As MySmilePlan is a revolving credit facility so you can draw down available credit for subsequent treatment costs, with no re-draw fees. 

Just like a credit card, you can re-borrow whatever you've paid off, up to 80% of the original loan. For example, if you've taken out MySmilePlan for a $5,000 treatment and have already paid off $3,000, you can then re-draw an additional $2,000 for any additional treatment if required. 


A 20% deposit and a one off establishment fee of $39 is all you have to pay to get your dental treatment underway. The loan amount is then spread into fortnightly, interest free credit card payments over 9 months for amounts up to $2,000 and 15 months for amounts up to $9,000.

Our application and approval process is easy and only takes 2 minutes. Just provide the reception team your photo ID, eligible credit card and contact details. They’ll be able to tell you immediately whether or not you’ve been approved.

It is a non-income based credit approval, so approval or denial is not an indication of your current financial status. Rather the scoring system considers current loans and if there are any flagged indiscretions in your history. If your score is below the threshold, your application will not be approved.

The credit check is automatically generated by our online system, so the security of your data is safe. At no time will practice staff see your credit history.

It's a similar credit check to what is performed when you apply for a mobile phone with a telco.

The cost will be broken down into to fortnightly instalments over 9 months for amounts up to $2,000 and 15 months for amounts up to $9,000.

Yes. You can make additional lump sum payments at anytime without penalty.

Payments are automatically taken from your credit card every fortnight.

Absolutely not. MySmilePlan is an interest free loan for dental treatments. We will never charge you interest.

If you default on a payment for any reason such as insufficient available funds or expired credit card, a late payment fee of $9.50 will be incurred. This fee will automatically be added to the next deduction.

No there are not.

There is an establishment fee of $39, a $3 credit card processing fee for each fortnightly payment and the deposit. The only additional fee is if a payment defaults which is a $9.50 late payment fee.

Please make sure you contact us on 1300 168 359 to provide your new credit card details otherwise if your payment defaults you will incur a $9.50 late payment fee.

MySmilePlan partner with OpenPay to finance the payment plans, so your monthly statement will arrive, by email from OpenPay.

Terms & Conditions

MySmilePlan partners with OpenPay. Terms and Conditions are underwritten and serviced by OpenPay. View all Terms & Conditions here.