Smile easier with a Wisr dental loan. Low rates from 6.74% 1 comparison rate 7.57% 2* for excellent credit.
Dental Loans
Smile
without
the stress
without
the stress
The Wisr Difference
Not your average lender
We’re smart, with a big heart.
Your rate is tailored based on your credit score.
You’ll get an outcome that’s right for you.
With no early repayment fees.
Learn how to keep them in shape.
Our customer service team is ready to help.
Loan Calculator
Doing the maths is smart
Calculate your repayments on a dental loan.
- Monthly
- Exceptional
Get estimate
Details
| Total Repayments | $0.00 |
|---|---|
| Total Interest | $0.00 |
| Amount Required | $0.00 |
| Establishment Fee | + $0.00 |
| Loan Total | $0.00 |
| Interest Rate (p.a.)1 | 0.00% |
Testimonials
For the part of you that learns from others
The Process
We keep it simple
- 01
Get your personalised rate estimate in 2 minutes
- 02
Apply online and get a response right away
- 03
Upload your documents
- 04
Sign on the digital line
- 05
Get your money within 24-48 hours, if approved
Product features and fees
- Loan purpose
Dental loan
- Interest rate
Fixed from 6.74% 1 to 24.54%
- Comparison rate
Fixed from 7.57% 2* to 25.32% 2*
- Loan amount
$5,000 – $62,000
- Terms
3, 5 and 7 years
- Establishment fee
$595
- Features
No early repayment fees
Eligibility criteria
- Gross income over $25,000 p.a.
- Over 18 years of age
- No unpaid defaults last 5 years
- No bankruptcies last 7 years
- Not currently in financial hardship
- Permanent Australian resident (living in Australia right now)
Q1: Can I apply even if I have private insurance?
Yes. You’re still eligible to apply for a Wisr dental loan even if you have private insurance. Most private insurance companies require you to pay for the treatment upfront and generally still involve out-of-pocket expenses.
Q2: Can I use a dental loan for a family member’s treatment?
Yes. Many people take out dental loans to help partners or dependants cover dental care. Because you’re taking out the loan for someone else, it’s important to consider how it benefits you too. You’ll also need to remember that the loan is in your name, so you’ll be responsible for the repayments and should be comfortable managing them.
Q3: How long will it take to get my funds?
Undergoing a dental procedure is stressful enough and we don’t want to complicate matters anymore. We strive for a fast and thorough application process. With all the required documents, we can aim to have the money to you within 24-48 hours after approval.
Q4: What documents do I need to apply?
For starters, we’ll need 2 forms of I.D. E.g. Drivers Licence, Passport or Medicare card. Then, we use a 100% secure, encrypted platform to view your online banking statements so we can better understand your financial situation. Alternatively, you can provide your last 90 days of bank statements via email. If we need anything else, we’ll let you know.
FAQ
For the curious
Yes! A dental loan will cover these treatments. We know they can be expensive, and even if you have private insurance the full amount often isn’t fully covered.
More Resources
The boring (but important) stuff
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1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but who do not meet the requirements for our lowest rates. Interest rates range from minimum 6.74% to maximum 24.54% Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 6.24% comparison rate 7.57% and a $595 establishment fee, the monthly repayment would be $602.07 and the total cost over the life of the loan including the establishment fee would be $36,124.30.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
3: Comparison rates based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.
4: Comparison rates based on $10,000 secured loan, fixed over 3 years, with monthly repayments.
5: Comparison rates based on $30,000 secured loan, fixed over 5 years, with monthly repayments with a total loan amount compared to the vehicle asset valuation less than or equal to 130%.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms may result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.