How it works

10 second instant check

Check if you're eligible by answering a few questions. You'll get an instant result.


Easy online application

If you're eligible, you can complete our online application in under 10 minutes. 


Decision in less than 60 minutes

We'll email you in less than 60 minutes with a decision. We'll even pay your doctor directly so you don't have to worry.


Repayment calculator

How much do you want to borrow?
Please enter an amount between 2,001 and 30,000
$0.00 Fortnightly Repayment
$0.00 Monthly Repayment
Repayable over 48 months with no penalties for early repayment
Based on an interest rate of 11.99%. Comparison rate 13.51%*
The interest rates applicable to your payment plan will depend on our credit lending assessment of your application and starts from 11.99% p.a. This means the interest rate you're offered may differ from the interest rate shown and will be based on your personal circumstances. Because of this the final interest rate can only be determined once you submit an application.

*Comparison rate example: Based on an unsecured loan of $30,000 with an Interest rate of 11.99% over a 5 year term, the comparison rate will be 13.51%.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Excludes fees & Charges
Repayment amounts shown above exclude any fees and charges. These will be finalised upon application. Our fees are simple, check out – WHAT ARE THE FEES AND CHARGES in the ANSWERS section of the website
The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how the repayments can vary when you change the loan amount. Fees and charges are payable and the calculations do not take these into account.


We offer payment plans for a range of dental procedures. Some of the more common ones are shown below. If your procedure isn’t listed below, don’t worry – just apply and let us know what you require.

Cosmetic Contouring

Dental Braces

Dental Bleaching

Dental Crowns

Dental implants



Wisdom teeth extraction


  • Am I Eligible?

    18 years or more
    An Australian citizen or Permanent Resident
    Earning over $25,000 or more per year and work Full or Part Time or Self Employed?
    Have a current Driver’s Licence or Medicare Card?


    You can borrow any amount from $2,001 to $30,000.


    To make it quick and easy you can only apply online. This will take between 5 and 10 minutes. Click here to apply.

  • How often do I have to make repayments?

    You can select to make repayments fortnightly or monthly by direct debit.

You’re only a few minutes away from applying for your payment plan. Check your eligiblity, then apply online to get pre-approved.

You can then use the available funds any time in the next three months.

© Medipay Financial Services Pty Limited (ACN 602 847 987) as the trustee for the Medipay Unit Trust, in its capacity as an authorised credit representative of Medipay Holdings Pty Limited (ACN 604 221 276) (Australian Credit Licence Number 474336) | Number 53 Cross Street Double Bay NSW 2028. Call 1800 810 950 with any questions or visit for more information. 

This site is protected by Secure Socket Layer (SSL) technology