Option 1Unsecured personal loan
Backed byNothing. Your income and credit history do the work
Best forMost treatment plans
Good to knowLenders lean harder on your income, expenses and credit file
What we finance
Treatment we can finance
Most people come to us with a written treatment plan and a total bigger than their savings. We arrange the finance; your dentist or doctor advises on the treatment.
- Dental implants
- All-on-4 and full-arch
- Crowns and bridges
- Veneers
- Orthodontics and aligners
- Full-mouth treatment
- IVF and fertility
- Eye surgery
- Hearing aids
- Elective surgery
Quote to treatment
You do three things. We do the rest.
We compare lenders that accept medical and dental purposes and suit where your treatment is, fill in your application from your documents, and manage it through to payment.
Get Approved- Get your treatment planA written quote from your dentist or doctor with the total cost.
- Tell us what you needA couple of minutes online. No credit check for a quote.
- Book your treatmentOnce the loan is approved and paid, you are sorted.
Your situation
What is your situation?
Where the treatment happens, your job and your credit file decide which lenders can help. Pick the closest fit.
Treatment in Australia
Most lenders that accept medical and dental purposes can fund treatment here. Some pay your clinic directly once the loan settles; others pay the funds to you so you can pay the clinic yourself.
Treatment overseas
Some lenders will not fund treatment performed outside Australia, and lenders that pay the clinic directly generally need an Australian provider. Lenders that pay the funds to you can be an option, so we only approach those whose policy fits.
Please hold off on deposits or flights until you have a formal approval in writing.
New job or casual
Lenders set a minimum time in your current role, and some will not lend while you are on probation. Casual workers usually need a longer track record. Your exact start date lets us match you to lenders whose rules fit.
A dent in your file
Defaults, missed payments and recent enquiries narrow the field, but they are not automatically the end of it. We look at your file honestly before anything is lodged, and if waiting would put you in a stronger position, we will say so.
More on personal loans
Structures and options
Unsecured, secured or staged?
The right structure depends on the size of the treatment plan and what you can offer as security.
Option 2Secured personal loan
Backed byA car you own outright
Best forLarger plans, or when the numbers are tight
Good to knowLowers the lender's risk and can open up more options
Option 3Staged finance
Backed byEither of the above
Best forLong plans, like implants done over several months
Good to knowSplits a big plan into smaller amounts that can be easier to approve
Whichever way it is structured, every application is subject to lender criteria and credit assessment.
Get ApprovedRepayment estimator
Work out your repayments
Move the sliders to see roughly what repayments could look like. When you enquire, we compare real lender options for your situation.
Indicative estimate only. The rate is an example you choose, not a rate we are offering. Actual repayments vary by credit profile, lender, fees and product type, and this is not a quote or an offer of credit.
The process
How it works, quote to treatment
1
Step 01
Get your treatment plan
Ask your dentist or doctor for a written plan with the total cost. If the treatment is staged, ask for the cost of each stage too.
2
Step 02
Enquire in two minutes
Tell us about the treatment and a little about your situation. No credit check happens at this stage, so your score is untouched.
3
Step 03
We match the lender
We compare lenders on our panel that accept medical and dental purposes and suit where your treatment is, then come back with the option we would choose, the reasons why and the documents we need.
4
Step 04
Consent and payment
You sign a credit consent, the lender runs its checks and, if approved, pays the funds to you or straight to your provider. Every approval is subject to lender criteria and credit assessment.
Ready to see where you stand? Start your two-minute enquiry.
Why Solvyr Capital
Finance brokering done right.
We work with clients and lenders right across Australia. As a credit representative under AFAS Group's Australian Credit Licence, we're held to strict compliance and professional standards.
We move fast
Quick answers and updates at every step. Your time is money and we don't waste it.
Licensed & compliant
CR No. 576829 under AFAS Group ACL 414426. FBAA M-362098. AFCA 121188.
Deals others can't do
Self-employed, adverse credit, new ABN, specialist assets. Our lender relationships are built for it.
Transparent & honest
We work for you, not the lender. Straight about your options, the fees and the best path forward.
Highly recommend Solvyr Capital. They helped me with finance for my car and made the whole process very quick and easy. Very professional, easy to communicate with, and everything was explained clearly. Great broker and great service. Thank you!
Highly recommend!! Wouldn't go anywhere else. Super efficient, professional service.
Had a great experience with Nash, very friendly extremely helpful was super good process getting my loan with Solvyr
The detail
Know before you apply
The longer read, for when you want the full picture. Tap a topic to open it.
Treatment in Australia or overseas
Where the treatment happens changes which lenders can help, so it is the first thing we ask.
Treatment in Australia. Most lenders that accept medical and dental purposes can fund treatment here. Some pay the money straight to your clinic once the loan settles; others pay it to you so you can pay the clinic yourself.
Treatment overseas. Some lenders will not fund treatment performed outside Australia, and lenders that pay the clinic directly generally need an Australian provider. Lenders that pay the funds to you can be an option. We only approach lenders whose policy fits, so you do not use up a credit enquiry on a lender that was never going to say yes.
One request: please hold off on paying deposits or booking flights until you have a formal approval in writing. We would rather you book once the money is certain than feel pressure to rush an assessment.
What lenders look at
Treatment loans are usually personal loans, assessed like any other. Four things decide the answer:
- Your job and how long you have been in it. Lenders set a minimum time in your current role, and some will not lend while you are on probation. Casual workers usually need a longer track record.
- Your credit file. Defaults, missed payments and recent enquiries all count. A blemish is not automatically the end of the conversation, but it narrows the field, so we look at it honestly before anything is lodged.
- What you spend. Lenders check your bank statements against your living costs. Every account matters, which is why we ask for 90 days of statements for all of them.
- Your existing commitments. Car loans, credit card limits and buy now pay later accounts all reduce what you can borrow, including cards you never use.
If the numbers are tight, there are usually options: borrow a little less, take a longer term, secure the loan against a car you own outright, or stage the treatment so it is financed in parts. We will talk you through what is realistic before any credit check happens.
Documents to have ready
Have these ready once we come back with your options. We fill in your income, expenses and debts from them, so there is far less to type.
- Driver licence. A photo of the front and the back.
- Your two most recent payslips. Or your latest tax return or BAS if you are self-employed.
- 90 days of bank statements. For every account you hold, including savings and credit cards.
- Your treatment plan or quote. The written plan from your dentist or doctor, showing the total cost.
Good to know
FAQs
Rather talk it through?
or call 0468 157 797
Tell us about the treatment and get a straight answer on your options. The enquiry does not affect your credit score.
Get Approvedor call 0468 157 797
Can I get finance for dental treatment overseas?
Often, yes. Some lenders will not fund treatment performed outside Australia, and lenders that pay the clinic directly usually need an Australian provider. Lenders that pay the money to you can be an option. Tell us where the treatment is happening when you apply and we will only approach lenders whose policy fits. All approvals are subject to lender criteria and credit assessment.
Is the money paid to me or to my dentist?
It depends on the lender. Some pay your provider directly once the loan settles; others pay the funds into your account so you can pay the clinic yourself. We will tell you which applies before you sign anything.
Does applying affect my credit score?
Our enquiry does not. No credit check happens until you have seen your options and signed a credit consent. Each lender application then adds an enquiry to your credit file, which is why we aim to approach only the lender most likely to approve you.
How much can I borrow for treatment?
It depends on your income, your existing commitments, your living costs and your credit history. Larger treatment plans may need the loan secured against a car you own, or the treatment staged so it is financed in parts. We will give you a realistic figure before any credit check happens.
I am on probation or work casually. Can I still apply?
Yes. Some lenders accept applicants who are on probation, and casual workers can qualify once they have been in the role long enough. The minimum time varies between lenders, so tell us your exact start date and we will match it to lenders whose rules fit.
Can I use my clinic's payment plan instead?
You can. Some clinics offer their own payment plans or buy now pay later options, and they can suit smaller bills. Compare the total cost, including any fees, and how long you have to repay. If a loan suits you better, we will help you arrange one.
Can you recommend a dentist or clinic?
No. We arrange finance only. Your dentist or doctor is the right person to advise on treatment, and we do not recommend treatments, clinics or practitioners.
Do finance brokers charge a fee for treatment loans?
Solvyr Capital acts as a credit representative and may receive a commission from the lender when your loan settles. This is always disclosed to you before you commit to anything. If any fee applies in your situation, you will know about it up front, in writing.
