Looking for an easy way to arrange funds for an upcoming dental treatment?
A Smile Right Standard personal loan is the right choice for you!
Please read the product disclosure statement before applying to make sure a Smile Right Financing Package is the right option for you
- Borrow between $2,001 and $30,000 for a range of dental procedures (conditions apply)
- A fixed interest rate of 13.95% PA available for new loans only
- Terms between 1 to 5 years.
Please read the product disclosure statement before applying to make sure a Smile Right Financing Package is the right option for you
REPAYMENTS YOU CAN CONTROL
- Choose the frequency of your repayments to suit when you get paid (weekly, fortnightly or monthly) as long as you pay your loan back within 1 to 5 years
- Make extra repayments to repay your loan faster. If you choose a term greater than 2 years, and pay it out in less than 2 years, there is a prepayment fee of $175. This fee is waived if you pay out your personal loan by re-financing to another Smile Right personal loan.
Please read the product disclosure statement before applying to make sure a Smile Right Financing Package is the right option for you
| Fee | Amount |
|---|---|
| Establishment Fees | |
| A once only fee for establishing your account | $55 |
| A once only fee for documentation | $40 |
| Loan Service Fee | |
| Charged monthly on all loans | $13 |
| Payment Handling Fee Australia Post & BPAY® | |
| Charged for each payment | $1.50 |
| Late Payment Fee | |
| This fee will only apply if you don't make at least the minimum payments by set due dates. | $35 |
| Early Termination Fee | |
| Within first half of your loan term: | $150 |
| Within the second half of your loan term: | $75 |
Please read the product disclosure statement before applying to make sure a Smile Right Financing Package is the right option for you
| Loan | Annual Rate |
|---|---|
|
Unsecured personal loan |
13.95% p.a. |
Please read the product disclosure statement before applying to make sure a Smile Right Financing Package is the right option for you
ELIGIBILITY
- Aged 18 years or over
- Have regular permanent income
- You need to be a permanent resident of Australia or,
- Non-residents: need to hold an acceptable visa (PDF 183kb) (Opens in new window) and have confirmed employment in Australia
To find out whether your Visa qualifies you please call our Personal Lending Centre on 1300 793 983 to discuss.
WHAT INFORMATION DO I NEED TO PROVIDE?
- Details of your current financial situation
- Proof of employment (current wage slip)
- Proof of ID (if we cannot identify you electronically)
We may use the contact information that you give us to contact you to help you complete your application.
HOW CAN I APPLY?
Apply online, it usually takes less than 15 minutes.
WHAT HAPPENS WHEN I APPLY?
The application process is “real time” and will provide you an instant credit desision based on the information you provide. Once approved your contract is presented online for your review and electronic acceptance. A copy of your accepted contract will then be emailed to you for your records and your dentist will be notified they may proceed with your treatment. It’s that easy!
Please note:
This loan must is for personal use only.
