Dental Finance NZ
Dental finance is a Crester specialty. Our health system won’t cover the dental treatments that many of us need, so if you’re searching for a dentist with payment plans, here’s a fast option with low repayments you can use with your regular local dentist. Crester offers dental finance NZ-wide, and you can have cash in your account within just 24 hours of approval. Applying online takes only a few minutes.
4.7 rating with 1,725 Google reviews
Fast loans online
Crester offers fast, fair financing. Money in your account within 24 hrs from your loan approval.
Low Interest Rates
Compare rate information & you’ll find that Crester offers very competitive low-interest rates & easy repayment options.
Flexible
As responsible lenders, we work out loan repayments that you can afford with a term that suits you so you keep an A+ credit score
Super fast –
Money in your
account
just 24 hours
Dental Loan Calculator
Use our New Zealand online dental loans calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to buy, which acts as security, and we then spread the rest across your repayment term.
Choose your term
Repayment Details
1 YEAR
Your approximate weekly payment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Our customer rating
4.6/5
Free gift with every successful loan application
Get Dental Financing From Crester Credit
Step 1
Apply Online (4 mins)
Use our instant loan calculator to see your loan repayments amount. Once happy, apply using our easy online loan application form.
Step 2
Fast Processing
Our service is fast. We credit check your loan application instantly & get back to you with your approval results within just 1 hour.
Step 3
Quick Loans
Once approved, you’ll receive your fast cash loan in your account within 24 hours & you’ll receive your gift.
Getting started takes only 6 minutes, subject to the responsible lending code of New Zealand. Our online application form for loans online is fast & easy.
Dental loans for almost anything
- Elective dental and procedures
- Emergency dental work
- Dental bills
- Cosmetic dentistry
- Teeth whitening
- Braces
- Veneers & Crowns
- Dentures
- Invisalign Finance
- Dental implants
- Wisdom teeth treatments
- Nightguards
- Botox
- Any other dental services
What New Zealand Borrowers Say About Us
Rated 4.7 out of 5 stars based on 2044 customer reviews.
Did You Know?
Easy Borrowing
Once you become a Crester customer, you can redraw on your loan easily, without an appointment, assuming you’ve got a good history of repayments.
Dentist With Payment Plans
A dentist with payment plans often charges high-interest & penalties. Crester’s dental payment plans are spread across your repayment term.
Low Interest Dental Loans
Our interest rates are between 9.95% and 26.98% p.a. Explore our Loan Rates & Fees.
Approval in 60 Minutes
Apply online, and we’ll aim to give you preliminary approval within 60 minutes.
Handy Tips
- Check their Google reviews to see how happy their customers are and then call them to ask for indicative pricing.
- Always ask for a quote prior to getting your dental work done.
- If swapping dentists, you can request your personal records to be sent to you.
- It’s usually cheaper to go to a dentist that doesn’t offer cosmetic work because their priority is just to fix rather than upsell.
- A loan for dentistry work can also be used for an electric toothbrush, home teeth whitening kits and sleeping bite-guards. If you borrow the money, you can use it however you wish.
- If your tooth needs a filling, get a quote from several dentists. You may be surprised.
What your loan really costs
No surprises. Here’s the full picture before you apply:
- Interest rate: between 9.95% and 26.98% p.a., personalised to your situation and fixed for the life of your loan.
- Establishment fee: between $135 and $995 depending on your loan size, charged once at the start.
- Administration fee: $10, plus $5 for each additional borrower.
- Repaying early: a $65 administration charge applies, plus any prepayment charge as calculated under the regulations.
Every fee we charge is published on our loan interest rates and fees page, and your loan contract shows your exact rate, fees and total repayments before you sign. For a personalised repayment estimate, use the calculator above.
Real people, start to finish. Talk to the same friendly team from application to payout. Meet the Crester team
APPLY NOW, DECISIONS USUALLY NEXT BUSINESS DAY*
* Decisions are usually made on the next business day after your application. Our online application form takes only six-eight minutes to complete, subject to approval in accordance with the responsible lending code of New Zealand. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application, and we’ll contact you as soon as possible.
Dental Finance Questions? Ask Our lending team.
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We respond to our customers wanting dental loans, almost immediately, because it’s usually and situation requiring urgency. Feel free to review our commonly asked questions and information about Crester Credit’s terms and conditions. We’ve included detail about establishment fees, annual interest rates, early settlement options, the responsible lending code of New Zealand, and the online finance application process. We’re here to help with everything finance related, so please ask if you have any questions at all.
FAQ
Frequently Asked Questions
How does financing dentistry work?
It’s a way to spread out the cost of your dental treatment over time, so you can manage your cash flow. With a payment plan, you can tackle those unexpected dental bills, rather than being stung with a large expense. Simply apply online, and if your application is approved, you can get started on your dental work without the immediate financial stress of a large bill that’s overdue.
Why would I need a payment plan for my dental care?
The cost of dental work can hit you harder than a surprise visit from your in-laws. A payment plan allows you to take care of your pearly whites without having to sell your favorite collectibles. Whether it’s a filling, extraction, or even cosmetic procedures like dental implants, our finance plans help you manage your dental costs over up to 36 months.
How do I apply for dental lending?
Applying for a dental loan is easy! Just hop onto our website and fill out the online application form. Once you submit your application, it goes through our approval process. If your application is approved, we’ll guide you through the next steps.