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● Payment Options · Humm · National Dental Plan · All 3 Paynless Dental Clinics

Humm & National Dental Plan — Spread Your Dental Costs

Paynless Dental accepts Humm (formerly National Dental Plan) payment options for eligible patients at Toongabbie, North Ryde and Blacktown. Humm allows eligible patients to spread the cost of dental treatment — including check-ups, fillings, crowns, dentures, root canal treatment, braces and dental implants — into manageable repayments. Approval, credit limit, deposit, repayment amount and fees are assessed and determined solely by the finance provider. Paynless Dental is not a credit provider, does not assess eligibility and does not provide financial advice. A written itemised treatment quote is provided before any treatment begins. Call (02) 8677 9094 (Toongabbie · North Ryde) or (02) 8809 2221 (Blacktown) to book.
💳 Humm Accepted
🦷 General & Major Dental
📄 Written Quote Before Treatment
✅ Eligibility Assessed by Provider
📍 Toongabbie · North Ryde · Blacktown
💳 Humm Accepted
📄 Written Quote Before Treatment
📍 Toongabbie · North Ryde · Blacktown
✅ Eligibility Assessed by Provider
Key Facts — Humm at Paynless Dental

Available atPaynless Dental Toongabbie · Paynless Dental North Ryde · 24×7 Dental Suite Blacktown
Phone — Toongabbie · North Ryde(02) 8677 9094
Phone — Blacktown(02) 8809 2221
Payment providerHumm (formerly National Dental Plan) — administered by humm group
Treatment typesCheck-ups · fillings · crowns · dentures · root canal · braces · implants · emergency treatment
EligibilityApproval, credit limit, deposit, repayment amount and fees determined by the finance provider — not by Paynless Dental
Paynless Dental roleProvides dental treatment and written itemised quotes only. Does not assess or approve finance applications.
Before applyingDental examination and written itemised treatment quote recommended first
Other payment optionsAfterPay · Denticare · HICAPS health fund claiming · all major health funds
Reviewed byA Gupta, Practice Manager | Last updated: June 2026 · Reviewed annually
How It Works

Using Humm for Dental Treatment at Paynless Dental

① Book a Dental Consultation

  • Book at Toongabbie, North Ryde or Blacktown
  • Dentist assesses your teeth, gums and treatment options
  • No pressure — treatment is recommended based on clinical findings
  • Call (02) 8677 9094 or (02) 8809 2221 (Blacktown) to book

② Receive a Written Quote

  • Written itemised treatment plan provided before any treatment
  • Includes ADA item numbers and indicative costs
  • You decide whether to proceed — no obligation
  • Prices are indicative and subject to consultation. Health fund benefits vary.

③ Check Your Eligibility with Humm

  • Eligibility, deposit, credit limit and fees assessed by Humm — not by Paynless Dental
  • You apply directly with the finance provider
  • Read all terms carefully before accepting any finance agreement
  • Approval is not guaranteed — Paynless Dental has no involvement in this decision

④ Proceed With Treatment

  • If approved and accepted, treatment arranged at your preferred clinic
  • Health fund benefits can be claimed via HICAPS first where applicable
  • Remaining gap may be paid using the approved finance option
  • Depends on your health fund policy and finance approval
Eligibility

Who May Be Eligible for Humm?

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General Requirements

  • Usually 18 years or older
  • Australian citizen or permanent resident may be required
  • Valid photo identification may be required
  • Bank account or card in your name may be required
💼

Employment / Income

  • Employment or regular income may be required
  • Self-employed applicants may be assessed differently
  • Pension eligibility depends on provider rules
  • The finance provider makes the final eligibility decision
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Deposit & Fees

  • A deposit may be required
  • Processing fees may apply
  • Monthly account fees may apply
  • Read all repayment terms carefully before accepting

Important: Paynless Dental is not a credit provider or financial adviser. Finance eligibility, approval, fees and repayment obligations are assessed and determined by Humm or the relevant finance provider. Please read the provider’s terms and conditions carefully before entering into any finance agreement. This information is general in nature and does not constitute financial advice.

Treatment Costs

Indicative Paynless Dental Treatment Costs

TreatmentIndicative PriceNotes
Check-up and clean$150–$300Health fund benefits may apply
Dental fillingFrom $150–$300Size and tooth position affect cost
Dental crownFrom $1,500Written quote required · major dental
Root canal treatmentFrom $900+Varies by tooth · crown often recommended after
Acrylic partial dentureFrom $1,000Major dental · design affects cost
Complete dentureFrom $1,800 per archConsultation required
BracesFrom $3,500Orthodontic assessment required
Dental implantFrom $2,200+Suitability assessment and planning required

Prices are indicative and subject to consultation. Health fund benefits vary. Written itemised quote with ADA item numbers provided before any treatment begins.

Also see our other payment options: AfterPay → · Denticare → · Super for Dental →

Common Questions

What Patients Ask About Humm

Does Paynless Dental accept Humm?

Yes — Humm (National Dental Plan) is accepted for eligible patients at all three Paynless Dental clinics: Toongabbie (Shop 1, 4–6 Junia Avenue), North Ryde (34 Epping Road) and Blacktown (14 Hereward Highway). Call (02) 8677 9094 (Toongabbie · North Ryde) or (02) 8809 2221 (Blacktown) to book.

Can I use Humm for dental crowns or root canal treatment?

Eligible patients may use Humm for dental crowns (from $1,500), root canal treatment (from $900+) and other major dental treatment. Approval depends on the finance provider. A written itemised treatment quote is provided before any treatment begins. Call (02) 8677 9094.

Does Paynless Dental approve the Humm finance?

No. Paynless Dental provides dental treatment and written quotes only. Humm or the relevant finance provider assesses eligibility and determines approval, credit limit, deposit, fees and repayment terms. Paynless Dental is not a credit provider.

Can I use Humm with my health fund?

In many cases, HICAPS can be used to claim eligible health fund benefits first, and the remaining gap payment may be made using Humm if approved. This depends on your health fund policy and finance approval. Call (02) 8677 9094 to discuss.

What should I do before applying for Humm?

Book a consultation first. The dentist assesses your dental condition and provides a written itemised treatment quote with ADA item numbers. This helps you understand the cost before considering any payment option. Call (02) 8677 9094 or book online 24/7.

Can I use Humm for dental implants at Paynless Dental?

Eligible patients may be able to use Humm for dental implant treatment (from $4,500+). Implant treatment requires consultation, suitability assessment, bone assessment and a written itemised quote. Approval is subject to the finance provider’s terms. Call (02) 8677 9094.

Use Humm at Any of Our Three Clinics

Toongabbie · North Ryde · Blacktown

🏥 Paynless Dental Toongabbie

AddressShop 1, 4–6 Junia Avenue, Toongabbie NSW 2146
Mon–Fri9:30am – 6:00pm
Saturday9:30am – 4:00pm
ParkingFree on-site

🏥 Paynless Dental North Ryde

Address34 Epping Road, North Ryde NSW 2113
Mon–Fri9:30am – 6:00pm
Saturday9:30am – 3:00pm
ParkingFree on-site

🏥 24×7 Dental Suite Blacktown

Address14 Hereward Highway, Blacktown NSW 2148
Mon–Fri9:30am – 6:00pm
Saturday9:30am – 3:00pm
ParkingFree on-site

Related payment pages: AfterPay Dentist · Denticare Payment Plan · Super for Dental · All Payment Options

Frequently Asked Questions

Humm Dental Payment FAQs

Does Paynless Dental accept Humm at all three clinics?

Yes — Humm is accepted at Toongabbie (Shop 1, 4–6 Junia Avenue), North Ryde (34 Epping Road) and Blacktown (14 Hereward Highway). Call (02) 8677 9094 (Toongabbie · North Ryde) or (02) 8809 2221 (Blacktown).

Can I use Humm for dental implants?

Eligible patients may be able to use Humm for dental implant treatment (from $4,500+). Requires consultation, assessment and written itemised quote. Approval is subject to the finance provider. Call (02) 8677 9094.

Can I use Humm for crowns or root canal treatment?

Yes, if approved. Crowns from $1,500 and root canal from $900+. Written itemised quote before treatment. Approval determined by the finance provider. Call (02) 8677 9094.

Does Paynless Dental decide if I am approved for Humm?

No. Paynless Dental provides dental treatment and written quotes only. Humm assesses eligibility, approval, credit limit, deposit, fees and repayment terms. Paynless Dental is not a credit provider.

Can I use my health fund and Humm together?

In many cases, HICAPS can be used to claim health fund benefits first, and the remaining gap may be paid using Humm if approved. Depends on your policy and finance approval. Call (02) 8677 9094.

What should I do before applying for Humm finance?

Book a consultation first. Receive a written itemised treatment quote with ADA item numbers. This helps you understand the cost before considering any finance option. Call (02) 8677 9094 or book online 24/7.

Book a Consultation — Ask About Humm at Any Clinic

Toongabbie · North Ryde · Blacktown — written quote before treatment. Humm eligibility assessed by the finance provider. Not financial advice.

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