SmileFund: A way to pay for All-on-4 (and other dental treatments)

Dr Dunn
Dr David Dunn is a dental surgeon with over 20 years of experience in aesthetic and dental implant treatment.
Women smiling while on the phone and sitting in front of a computer.

Some patients choose to save up over time to cover the cost of All-on-4 treatment — but did you know this isn’t the only way to fund your new smile?

In fact, there are many ways to pay for your All on 4 dental implants Sydney treatment. Some patients (if they’re eligible) may explore the early release of superannuation on compassionate grounds to cover the cost of their treatment. Others may take out a personal loan with their chosen financial provider.

Alternatively, some patients may opt to fund their All-on-4 treatment using specialised medical finance, like SmileFund — this is the payment option we’ll explore in this article.

Keep reading to learn more about our special partnership with SmileFund which allows our patients to access an exclusive All-on-4 payment plan offer.

Disclaimer: The following information is general and not to be taken as financial advice. It is recommended that you seek personal advice from your financial institution and/or advisor before making a decision. All information in this article was correct at the time of publishing. Compassionate release of superannuation for medical treatment is available only in limited circumstances and should be considered a last resort. Eligibility is subject to ATO assessment. Early access to superannuation may have significant financial implications including impacts on retirement savings, taxation, and government benefits. This does not constitute financial advice. We recommend speaking with a licensed financial adviser and referring to ATO guidance before making any decision.

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What is SmileFund?

SmileFund, by National Dental Care, is an interest-free payment plan designed to help patients pay for their dental treatment by spreading out the costs into manageable instalments over time.

Some dental treatments will not be covered by Medicare or your private health fund. With SmileFund, you can get the care you need, when you need it — instead of delaying treatment until you have enough money in savings or other means.

SmileFund is only available at National Dental Care Group practices, of which Macquarie Street Dental is proud to be a part.

Exclusive SmileFund payment plan for All-on-4 treatment at Macquarie Street Dental

At Macquarie Street Dental, we have partnered with SmileFund to offer our patients an exclusive All-on-4 payment plan:

Our All on 4 patients can loan up to $70,000 with 24 months interest-free.

With a SmileFund payment plan, you could get your new All-on-4 smile for as little as $218.75 per week*.

You’ll also benefit from:

  • 24 months interest-free
  • Zero fees
  • No early payout penalties
  • Easy application process
  • Fast approvals and payouts (for eligible applicants)

Please note, this payment plan is exclusive to Macquarie Street Dental and not available at other practices.

*Price based on a 70% deposit on a 24-month interest-free plan. For example, based on a $70,000 loan amount with a 70% deposit, the remaining balance is repaid over 24 months at approximately $218.75 per week, with no additional interest or fees over that term when repaid on schedule. Actual loan amounts, deposit requirements and repayments will be calculated by SmileFund based on your individual circumstances and loan terms. Prices correct at the time of publishing — please check with the practice for current information. This is general information only and not financial advice. We recommend discussing your personal finance options with your financial institution and/or adviser before making a decision.

Who is eligible for a SmileFund dental payment plan?

To find out whether you’re eligible to apply for SmileFund, simply download an application form online or talk to us and we can help you get started.

Applicants will be individually assessed for eligibility by SmileFund.

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What treatments can I use a SmileFund payment plan for?

Only our All-on-4 patients can borrow up to $70,000 with 24 months interest-free through SmileFund.

For other treatments, you can apply for a standard SmileFund payment plan on any procedure over $800 (up to $20,000), such as:

These plans still offer a 24-month interest-free period and require a 20% deposit.

How do I apply for a SmileFund payment plan?

The application process for SmileFund is simple. All you need to do is:

  1. Download and complete a SmileFund application form.
  2. Submit your completed form plus copies of your treatment plan and required documentation.
  3. Your application will be assessed and credit-checked by SmileFund. Approval decisions are typically provided within 1 to 3 business days for eligible applicants, though this is not guaranteed and depends on individual circumstances.

Once approved, your deposit will be deducted from your nominated bank account and your monthly repayments will commence.

If you have any questions about applying for a SmileFund payment plan for All-on-4 or another treatment, please don’t hesitate to contact us. We can clearly explain your treatment costs and finance options, and support you through the application process.

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Dr Dunn
Dr David Dunn holds a BDS (Hons) from the University of Sydney and brings more than 20 years of experience in All-on-4 and full-arch implant treatment. He is a Fellow of the Royal Australasian College of Dental Surgeons (FRACDS) and a Fellow of the Pierre Fauchard Academy. Dr Dunn is a faculty member of the gIDE/UCLA Master Clinician Program, the founder and past chair of the Osseointegration Society of NSW, and a published author in the International Journal of Prosthodontics.

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