Get Your Smile Back With Dental Payment Plans That Work For You
Dental implants can completely change how you live, eat and smile. Unlike temporary solutions like veneers and dentures, they’re a long-term solution that restores your dental health and gives you the confidence to enjoy life again. But for many people, the cost of dental treatment can be a barrier.
That’s why at FoX Implant Centre, we offer a range of flexible dental payment plans. Whether you’re having a single implant or a full-mouth dental implant, we help you manage the cost of your treatment with options that fit your lifestyle and your budget.
From interest-free instalments to using your Superannuation fund, we’ve made accessing quality dental care in Australia more straightforward than ever.
What is a Dental Payment Plan?
A dental payment plan is a way to spread out the cost of your dental work over time. Instead of paying the full amount upfront, you make smaller, manageable payments in instalments. This makes it easier to get the dental care you need without financial stress.
Payment plan providers work with dental practices to give you flexible payment options. At FoX Implant Centre, we’ve partnered with trusted payment plan providers like TLC and Humm. These providers offer interest-free options with simple fortnightly or monthly repayments, helping you budget your treatment around everyday expenses.
They can be used for a wide range of treatments, from general dentistry and cosmetic dentistry to dental implants. You’ll typically pay your first instalment at the start of treatment, followed by regular repayments through direct debit.
Why Choose a Payment Plan for Dental Implants
Dental implants are an investment in your long-term dental health, but we understand the upfront cost can feel overwhelming. That’s where a payment plan can help.
Here’s why choosing a dental payment plan makes sense:
- Breaks down costs into smaller, more manageable amounts across regular repayments
- Avoids large upfront payments, making it easier to access an otherwise costly dental service
- Improves affordability for people who might otherwise delay treatment
- Supports your dental health by giving you access to care sooner
- Lets you choose quality without having to compromise based on cost
- Fits your lifestyle with fortnightly or monthly instalment options
At FoX Implant Centre, we make it easy to get started with simple application processes and options tailored to your financial situation. Whether it’s a single implant or a full-mouth restoration, you don’t need to wait to restore your smile.
Payment Plan Options at FoX Implant Centre
We understand that different patients have different financial needs. That’s why we offer a variety of interest-free payment plan options to suit you. Here’s a look at the providers available at FoX Implant Centre:
Total Lifestyle Credit (TLC)
This payment plan offers interest-free payments with fast approval (usually within 24-48 hours). It allows you to pay for your treatment in instalments, with no upfront or out-of-pocket costs to start.
Humm
Ideal for those looking to spread the cost over time. Humm offers an interest-free payment plan with fast approval and the ability to tailor your repayments.
If you’re still not sure which to choose, our team is here to help you pick the right payment option and guide you through the application process.
Who Is Eligible for a Dental Payment Plan?
Most Australians are eligible for a dental payment plan. The basic eligibility criteria are straightforward and designed to make dental treatment more accessible.
Here’s what you generally need:
- Be an Australian citizen or permanent resident
- Be over 18 years of age
- Have a regular income or means to make repayments
- Hold an Australian bank account for direct debit payments
Providers like Humm may not perform any credit checks for amounts less than $2,000. However, for larger amounts (as is the case for full-mouth restorations), they may require basic credit checks or identity verification as part of their approval process.
For TLC, approval is usually within 2 days or less but may be declined if past payments have been missed on their platform.
Our team can help you check your eligibility across all available options and support you through the application process. In most cases, the setup is quick and can be done right from our practice.
How to Apply for a Payment Plan at FoX
Applying for a dental payment plan at FoX Implant Centre is simple and stress-free. Our team is here to support you every step of the way.
Here’s how it works:
- Book your consultation – Start with a consultation to assess your dental needs and create a personalised treatment plan.
- Choose your payment option – We’ll explain all available payment options and help you choose one that suits your financial situation.
- Check your eligibility – We’ll assist with the basic eligibility requirements and paperwork, including any ID or financial documentation needed.
- Submit your application – Applications can be submitted online or directly at our clinic. Most applications only take a few minutes.
- Get approval – Depending on the provider, approval can be instant or take up to 48 hours.
- Start your treatment – Once your payment plan is in place, you can begin treatment without delay.
The application process is quick, transparent, and designed to make quality dental care more accessible. If you have questions at any stage, our team is ready to help.
What Dental Treatments Can Be Financed?
At FoX Implant Centre, most dental procedures can be included in your treatment plan and paid for using our flexible payment options. Whether you’re undergoing complex restorative work or routine care, our plans are designed to make quality dentistry more accessible.
Here are some of the dental treatments that can be financed:
A permanent replacement for one missing tooth, often part of a larger plan.
A complete smile transformation with fixed implant-supported teeth.
Ideal for replacing several missing teeth with fewer implants.
A more stable and long-term alternative to traditional removable dentures.
We also include follow-up checkups and dental care in our treatment plans, helping you manage costs across every stage of care. From diagnostics to final restorations, you can bundle procedures into one convenient payment schedule.
If you’re unsure whether your specific treatment is eligible, our team is happy to review your plan and explain how to break down the cost with instalments that suit your lifestyle.
Interests and Fees
One of the biggest advantages of choosing FoX Implant Centre is access to interest-free payment plan options. Most of our providers, including TLC and Humm, offer zero interest for the duration of your agreed repayment term. This means you can pay off your treatment without worrying about increasing interest rates over time.
While the repayment plans are interest-free, some providers may charge an establishment fee or monthly account-keeping fees. These are usually small, fixed amounts and are clearly outlined during the application process so there are no surprises.
Before finalising your plan, our team will walk you through the total cost, including any applicable fees, so you can make an informed decision based on your needs and budget.
How Long Do You Have to Pay It Off?
Repayment terms for dental payment plans can vary depending on the provider you choose and the total cost of your treatment. At FoX Implant Centre, we work with flexible providers so you can select a repayment schedule that suits your financial situation.
In general, TLC allows repayments over a period of 6 to 84 months. Payments are made through direct debit, with your first instalment usually due at the start of treatment.
Meanwhile, Humm gives you the option to repay over 6, 12 or even up to 24 months, depending on the size of your plan. You can choose between fortnightly payments or monthly repayments.
Since all repayments are set up through secure direct debit, you’ll know exactly how much you’re paying and when. This makes it easy to stay on track without the stress of managing large upfront bills.
Do You Need Health Insurance to Access a Payment Plan?
No, you don’t need to have health insurance to use a dental payment plan at FoX Implant Centre. Our payment plans are open to all eligible patients, whether or not they’re covered by a health fund.
This makes it easier for people across Australia to access the dental services they need without relying on private insurance coverage.
However, if you do have health insurance, it may help reduce the overall cost of your treatment. You can still use your health fund rebate in combination with a payment plan to lower your out-of-pocket costs.
Whether you’re insured or not, we’ll help you create a treatment plan that works with your budget and walk you through all available payment options.
Using Your Super to Pay for Dental Implants
If you’re facing the cost of major dental work, your Superannuation fund could be a viable way to pay for treatment. Dental implants are considered a qualifying procedure under the Compassionate Release of Superannuation program, which allows early release of funds to cover essential medical and dental care.
At FoX Implant Centre, we partner with Supercare to streamline this process. Supercare helps Australian patients apply for the early release of their Superannuation fund, offering step-by-step support throughout the application process.
Here’s how it works:
- Book a consultation to receive a detailed treatment plan
- Request supporting documentation from our team, including a treatment letter
- Begin the application process with Supercare, who will handle submissions to the ATO on your behalf
- Await approval, which typically takes a few weeks depending on your individual case
This option is available to eligible Australian citizens or permanent residents and may also be used on behalf of a dependent or spouse.
Using your Superannuation fund can ease the financial pressure of dental care and make life-changing treatment more accessible. If you’re considering this option, our team at FoX can help guide you through the process for a smooth experience.
Comparing Payment Plans vs. Using Super
Both payment plans and your Superannuation fund can help make dental work more affordable, but they suit different financial situations.
A payment plan is a great option if you:
- Want to avoid dipping into long-term retirement savings
- Prefer to make small, manageable repayments over time
- Are eligible for an interest-free plan with minimal upfront costs
- Need fast approval and want to begin treatment straight away
However, your Superannuation fund may be a better option if you:
- Don’t have access to funds for larger, complex dental treatments
- Are facing urgent or essential dental procedures like full-mouth restorations
- Have limited eligibility for payment plans
- Are unable to meet regular repayment commitments
Using your super through early release is helpful when the cost of dental work is higher and may not be manageable through short-term instalments. It also removes the need for monthly or fortnightly repayments.
If you’re unsure which option is right for you, we’re here to help. Our team can walk you through the pros and cons of both approaches and help you decide what’s best based on your treatment needs and financial situation.
Other Payment Options We Offer
In addition to our flexible dental payment plans and Superannuation options, we also accept traditional payment methods to make things easier for you. You can pay with cash, checks, and any major credit cards.
These options can be used alone or combined with a payment plan or health fund rebate. Our team will walk you through every available option, so you can move forward with the dental care you need without delay.
How FoX Makes Dental Implants More Accessible
At FoX Implant Centre, we’ve designed every part of our service to make the cost of your treatment easier to manage.
Here’s how we make dental implants more accessible for Australians:
All-in-one care under one roof
Every step of your treatment is done in-house by our experienced team. We’re the only dental practice in Australia offering complete, end-to-end dental implant care under one roof. No external referrals or extra clinic fees. That means lesser cost, fewer delays, and a more streamlined experience from start to finish.
On-site general anaesthesia
We perform surgical procedures and provide general anaesthesia (if necessary) in our own facility, which means no additional hospital fees or waiting lists.
Transparent all-inclusive pricing
You’ll know exactly what your dental care will cost upfront, with no hidden charges.
Flexible payment plans and Super access
We give you options to suit your financial needs, from interest-free payment plans to early Superannuation release via Supercare.
Ongoing care included
Your treatment doesn’t stop at surgery. Regular check-ups and maintenance are built into your plan, so you’re not paying extra later on.
By simplifying treatment delivery and offering smart, flexible financial options, we remove unnecessary steps and unexpected costs. That’s how Fox makes dental implants more accessible — not just in terms of clinical care, but in how you afford it, too.
Start Your Treatment Without Financial Stress
Getting dental implants doesn’t have to mean financial stress. At FoX Implant Centre, we offer a full suite of payment and financing options so you can move forward with treatment that fits your needs and budget.
From interest-free payment plans with providers like TLC and Humm to accessing your superannuation fund with support from Supercare, we make it easier for you to take the next step without delay. You can also pay by cash or credit card or combine your plan with your health fund rebate.
Every patient’s financial situation is different, which is why we’re here to help you find the right fit.
Book a free consultation with our experienced dental professionals today. We’ll assess your dental needs, explain your treatment plan, and recommend the best payment option for your circumstances.
Let’s make your new smile affordable, stress-free and simple to get started.
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