Summary: Macquarie Dentists offers payment plans through Zip Pay, AfterPay, and Humm to finance your dental treatments. From check-ups to advanced treatments, flexible options are available. Book a consultation to find the best plan for you.
Cost is one of the most common reasons people put off going to the dentist. It’s rarely about the treatment itself. It’s about the timing, the uncertainty, and the worry that a dental issue might come with a price tag that’s hard to manage.
At Macquarie Dentists, we see patients daily who’ve lived with discomfort longer than they should, simply because they didn’t think flexible options were available. That’s why we offer three flexible payment plans so you can move forward with the care you need now and handle the cost in a way that works for your budget.
In this blog, we’ll break down how these payment plans work, which treatments they apply to, and how to get started if you’re considering one for yourself or a family member.
Payment Plan Providers Available at Macquarie Dentists
When you receive treatment at Macquarie Dentists, you have the option to pay in instalments through a range of trusted payment providers. This flexibility allows you to proceed with the care you need, without having to put off treatment due to cost.
We partner with Zip Pay, AfterPay, and Humm, which are widely used across Australia for both general and specialist dental services. Each one offers slightly different terms, helping you choose a plan that fits your financial situation and treatment goals.
Here’s a closer look at how each provider works:
Zip Pay
Zip Pay offers a digital line of credit of up to $1,000. It’s interest-free as long as you meet the minimum monthly repayments (currently $40), and you can choose to pay weekly, fortnightly, or monthly. Many patients use Zip Pay for services such as check-ups, fillings, or even professional teeth whitening. There’s no upfront setup cost, and approval is usually instant if you’re eligible.
Afterpay
Afterpay splits the cost of your treatment into four equal, interest-free payments over six weeks. It’s popular for treatments under $2,000, such as emergency visits, minor cosmetic work, or restorations. There’s no deposit required, and applications are done easily through the AfterPay app, often within minutes. If you pay on time, there are no fees at all.
Humm
Humm offers more flexible borrowing limits and is perfect for larger treatment plans. For smaller costs, the “Little Things” option covers amounts up to $2,000. For more complex procedures such as dental implants, crowns, or full mouth restorations, the “Big Things” plan allows repayments over longer terms, up to 60 months. Credit limits can reach $30,000 depending on your eligibility.
All three payment methods are available to eligible patients and can usually be arranged at the time of your consultation.
How to Pay for Your Treatment Using a Payment Plan at Macquarie Dentists
Paying through a dental payment plan at Macquarie Dentists is simple and can usually be arranged on the day of your appointment. Here’s how the process works:
1. Start with a consultation
Your dentist will first examine your teeth and discuss the treatment that’s right for you. Once a treatment plan is outlined, we’ll provide you with a clear breakdown of the costs involved, so there are no surprises.
2. Choose your preferred payment provider
Based on your treatment type and budget, we’ll guide you through the available options: Zip Pay, AfterPay, or Humm. Each has different repayment structures, so you can pick what feels most manageable. You can apply using your smartphone or online; it only takes a few minutes.
3. Apply and get approved
Most applications are approved instantly, but some may require ID verification or additional checks, depending on the provider and amount. You’ll typically need a Medicare card, a photo ID, and a debit or credit card for repayments.
4. Begin your treatment
Once approved, you can start treatment straight away. The provider pays us directly, and you simply follow your agreed repayment schedule through their app or online portal. As long as payments are made on time, no interest is charged.
Frequently Asked Questions About Dental Payment Plans
Will I pay interest?
Most of the time, no. Zip Pay, AfterPay, and Humm offer interest-free terms as long as you meet the repayment schedule. Some longer-term Humm plans may include small fees depending on the amount and duration—this is clearly outlined when you apply.
Can I combine private health insurance with a payment plan?
Yes, absolutely. If your health fund covers part of the treatment, you can claim that on the day, and then use a payment plan to cover the gap. We’ll help you process your claim at the time of your visit.
Is there a credit check?
Zip Pay and Humm may run a soft credit check during the application process, especially for higher-value treatments. AfterPay generally doesn’t run credit checks for smaller transactions, though approval still depends on your repayment history and account standing.
What happens if I miss a payment?
Each provider has different late fee policies, so it’s important to stay on top of your repayments through their app or reminders. Missing payments may result in small late fees and could impact future approvals, so we always encourage choosing a plan that feels realistic for your budget.
Can I use a payment plan for my child’s or partner’s treatment?
Yes, you can. As long as you are the one applying and taking responsibility for the repayments, the treatment can be for a family member or dependent.
Affordable Dental Solutions in Macquarie Park
Our goal at Macquarie Dentists is to ensure that cost never gets in the way of your dental health. Whether it’s a simple filling or a more involved procedure, you shouldn’t have to put treatment on hold just because it doesn’t suit your budget today.
With our flexible payment plans, you can spread your payments over time. These options are available to reduce financial pressure and give you more flexibility around when and how you pay for your dental treatments.
We’re always upfront about costs and will guide you through your payment choices clearly, so you feel confident moving forward.
If you’re unsure about your options, book a consultation with our Macquarie Park team. We’ll talk through your treatment plan and help you choose a payment path that works for you.