Cost should not be the reason you put off dental work. We offer 0% interest payment plans through Afterpay and humm, with all fees set out in full below.
Both plans are 0% interest, but account fees apply on humm. Approval is handled by Afterpay or humm directly, not by us. Full costs are set out below.
Both charge 0% interest. Fees apply on humm, and we set them out in full below. The difference comes down to how much you are spreading and over how long. Smaller treatments generally suit Afterpay. Larger work such as implants, orthodontics or sedation treatment generally suits humm.
For smaller treatments
Paid across 6 weeks
For larger treatment plans
Paid across 3 months to 2 years
Everything you need to weigh the two up, including the fees, because those are the part most people find out about too late.
Suited to smaller treatments. Your limit is set by Afterpay.
$80 to $12,000
6 weeks, in four fortnightly instalments
Fortnightly, over roughly 3 months to 2 years depending on the amount
0%
0%
None
$0 for plans up to $1,000. $70 above that.
None if you pay on time
$9.95 per month for the life of the plan
Set by Afterpay at checkout
Determined at application
Not required
Required. humm is a regulated credit product, so an assessment applies.
Late fees apply. Your agreement is with Afterpay, so their terms govern this.
Late fees apply. Your agreement is with humm, so their terms govern this.
Through the Afterpay app, ideally before your appointment
Apply online or at reception. Takes a few minutes.
Amounts, terms and fees are set by Afterpay and humm and can change without notice. Check the provider’s current terms before you commit. Approval is at their discretion, not ours.
Because humm charges a monthly account fee, the total cost depends on how long your plan runs. Here is every tier available at our practice, so you can see the full picture before you apply.
Amount financed
Repayments
Establishment fee
Monthly fee
Approximate total fees
Amount financed:
Up to $1,000
Repayments:
6 fortnightly, about 3 months
Establishment fee:
$0
Monthly fee:
$9.95
Approximate total fees:
About $30
Amount financed:
Up to $2,000
Repayments:
13 fortnightly, about 6 months
Establishment fee:
$70
Monthly fee:
$9.95
Approximate total fees:
About $130
Amount financed:
Up to $3,000
Repayments:
26 fortnightly, about 12 months
Establishment fee:
$70
Monthly fee:
$9.95
Approximate total fees:
About $190
Amount financed:
Up to $6,000
Repayments:
39 fortnightly, about 18 months
Establishment fee:
$70
Monthly fee:
$9.95
Approximate total fees:
About $250
Amount financed:
Up to $12,000
Repayments:
52 fortnightly, about 24 months
Establishment fee:
$70
Monthly fee:
$9.95
Approximate total fees:
About $310
Total fees are approximate and assume the plan runs its full term. The interest rate is 0% on every tier. Your exact costs are confirmed by humm at application.
Come in for your appointment. We examine you, explain what you need, and you leave the same day with a written, itemised quote. Nothing is booked until you have seen the numbers.
Tell us you would like to pay in instalments and we will talk through whether Afterpay or humm suits your treatment better. Setting it up takes a few minutes.
Once you are approved we book you in. Repayments come out automatically, so there is nothing to remember and nothing to chase.
Payment plans can be used across almost everything we offer, from routine care through to full smile makeovers and sedation treatment.
Afterpay does not require a credit check. humm is a regulated credit product, so a credit assessment is part of the application and it may appear on your credit file. If this matters to you, ask us before applying and check humm’s current terms.
Yes. We claim your health fund rebate on the spot through HICAPS first, and the payment plan covers whatever gap is left. You are only financing the out-of-pocket portion, not the full treatment cost.
At your appointment, in writing, before you leave. The quote is itemised with item numbers so you can check it against your health fund. If the total is more than you can pay at once, we can set up a plan at the same visit.
Not necessarily, but it speeds things up. If you already know you would like to pay in instalments, setting it up beforehand means you can go ahead with treatment on the day rather than rebooking.
Your agreement is with Afterpay or humm, not with us, so their terms apply. Both charge late fees for missed payments. If you are having trouble, contact them directly as early as you can.
Both providers allow early repayment. With humm, paying early means fewer monthly account fees, so it reduces what you pay overall. Check the provider’s terms for any conditions, as these can change.
The interest rate is 0%, so no interest accrues on what you borrow. However humm charges a $9.95 monthly account fee, and an establishment fee of $70 on plans above $1,000. So the plan has a cost even though there is no interest. The table above shows what that comes to on each tier.
Yes, though check first whether your child is eligible under the Child Dental Benefits Schedule, which we bulk bill. Many families find their child’s treatment is fully covered and no payment plan is needed.
Book a consultation and you will leave with a written quote the same day, plus a clear picture of the payment options that suit your situation. No obligation.
Please note: Afterpay and humm are independent third-party providers. humm is provided by Once Credit Pty Limited, Australian Credit Licence 386194. Meadowgate Dental does not provide credit and does not hold an Australian Credit Licence. All approvals, credit assessments, terms, fees and repayment arrangements are set and managed by the provider, and your agreement is with them rather than with us.
Amounts, repayment periods, deposits and fees shown on this page reflect the providers’ published terms and can change without notice. Please read the provider’s terms and conditions in full and consider whether the arrangement is right for your circumstances before applying.
