Flexible Payment Options
Interest-free dental payment plans and flexible finance options at our Gold Coast clinic. From veneers to implants, spread the cost with no hidden fees.
Making treatment more accessible
We understand that dental treatment is a meaningful investment. Whether you need a veneers payment plan, dental implants finance or help covering a larger procedure, ArtSmiles on the Gold Coast offers interest-free dental payment plans and flexible dental financing to keep care accessible without compromising quality.
Our Southport team can guide you through the option that best suits your situation — from buy-now-pay-later services to longer-term dental loans.
Speak to Our TeamFlexible Finance Partners
We partner with recognised finance providers, Afterpay, Smile Right, Zip, Humm and TLC, to offer arrangements for eligible patients across a wide range of treatment sizes.
No Hidden Costs
We provide clear, upfront treatment plans with transparent pricing before any procedure begins. There are no surprises. Only informed decisions.
Payment Providers
Choose the dental finance option that fits your budget. Each provider below offers a different structure — from four-instalment buy-now-pay-later to longer-term dental loans up to $50,000.
Afterpay allows you to split your dental payment into 4 equal instalments, paid fortnightly over 6 weeks. There is no interest and no hidden fees. Best suited for smaller treatments or gap payments, up to $1,000.
- Over 18 years old
- Australian resident
- Valid debit or credit card
- Afterpay account with sufficient spend limit
Smile Right offers flexible finance solutions for larger dental treatments, with options personalised to different budgets.
- $2,001 to $50,000
- Up to 60 months
- Deposit required
- $2,001 to $50,000
- Up to 60 months
- No upfront deposit
- $100 to $10,000
- 4 weeks to 2 years
- No interest, no establishment fees
- Deposit required
- Over 18 years old
- Permanent income
- Australian citizen, permanent resident or valid visa
- Valid Australian ID
Zip offers two payment options with no payment required on the day of treatment.
- Up to $1,000
- Interest-free
- For smaller treatments
- $1,000 to $30,000
- Interest-free for up to 9 months
- For larger treatment plans
Flexible weekly, fortnightly or monthly repayments.
- 18 years or older
- Australian citizen or permanent resident
- Valid ID and good credit history
Humm covers treatments such as fillings, scale and clean, extractions and teeth whitening for amounts up to $2,000, with payments spread over 2.5 or 5 months. You can make additional payments or pay your plan out early with no payout fees.
- 1Book your next appointment with ArtSmiles.
- 2Call the reception team and let them know you would like to use Humm as a payment option.
- 3The reception team will walk you through the set-up process either over the phone or in person.
- 4Once it's all set up, you're done. Proceed with your dental treatment.
- Must be 18 or over
- Australian debit or credit card
- Permanent resident of Australia
- Australian driver's licence, passport or Medicare card
TLC provides finance for larger dental treatments, covering amounts from $2,000 to $50,000. Interest rates are determined by the applicant's credit profile, with competitive rates applied only to the selected loan term. A full credit and financial assessment is required prior to approval.
- Covers all dental treatment fees
- No upfront or hidden fees
- Weekly minimum repayments based on approved amount
- Flexible terms
- Extra repayments allowed at any time with no additional charges
- Fast online application and approval process
- 18 years or older
- Proof of income required
- Australian citizen or permanent resident. Some visa options accepted
- Valid Australian driver's licence, passport or Medicare card
Superannuation Access
ArtSmiles does not provide financial advice or recommendations. Please consult a financial professional or the ATO before making any decisions to withdraw from your superannuation.
You may be able to use your superannuation for dental treatment on the Gold Coast. Instead of waiting until retirement age, you can apply for early release under specific government criteria to cover implants, crowns, orthodontics and more.
Treatment Plan Prepared
Your dentist prepares a full treatment plan and associated costs.
Application Submitted
An application for early release is submitted under government guidelines.
Funds Released
Once approved, funds are released from your Super to cover the treatment.
Access My Super
We recommend Access My Super, an independent service that assists patients with the application process. They assess eligibility and manage the paperwork under a no approval, no fee policy.
ArtSmiles Club
For patients seeking ongoing value, the ArtSmiles Club offers financial advantages alongside structured preventive care.
- Reduced fees on selected treatments
- Preventive reviews and maintenance included
- Discounted emergency appointments
Savings of up to 30% may apply to selected services. The Club is designed to make long-term care more consistent and financially manageable.
Health Funds Accepted
Claims can be processed on the spot via HICAPS where applicable. Simply bring your health fund card. Your rebate is claimed immediately with no paperwork or waiting for reimbursement.
We also assist with international insurance where possible. Speak to our reception team before your appointment.
Frequently Asked Questions
What dental payment plans are available at ArtSmiles?+
We partner with Afterpay, Smile Right, Zip, Humm and TLC to offer interest-free and low-rate dental finance. Options range from four-instalment buy-now-pay-later for smaller treatments to dental loans up to $50,000 for major procedures such as implants or full-mouth rehabilitation.
Can I finance veneers on a payment plan?+
Yes. Veneers can be financed through any of our payment partners. Afterpay covers up to $1,000 interest-free, while Smile Right and TLC can finance larger veneer cases up to $50,000 with flexible terms.
Do you offer interest-free dental payment plans?+
Several of our finance partners offer interest-free options. Afterpay, Zip Pay and Humm all provide interest-free dental payment plans, and Smile Right has an interest-free tier for amounts between $100 and $10,000.
Can I use my superannuation to pay for dental treatment?+
You may be able to access your superannuation early to cover dental treatment under specific government criteria. We work with Access My Super, an independent service that manages the application under a no-approval-no-fee policy. Speak to our team for details.
Is there a dental payment plan with no credit check?+
Humm offers a straightforward setup process without a traditional credit assessment for treatments up to $2,000. Eligibility requirements vary between providers — our reception team can help you find the best fit.
What health funds do you accept on the Gold Coast?+
ArtSmiles accepts all major Australian health funds and processes claims on the spot via HICAPS. Simply bring your health fund card and your rebate is claimed immediately with no paperwork. We also assist with international insurance where possible.
Not sure which option is right?
Every situation is different. Our Gold Coast team can explain the available dental finance pathways and help you decide which payment plan aligns with your treatment and budget.
Speak to Our Team