Open: Mon – Sat 9:00am-6:00pm | Sun – Closed
Cost should never be the reason to delay dental care. Paynless Dental accepts all major Australian health funds with HICAPS on-the-spot claiming, five payment plan providers (Afterpay, Humm, Denticare, TLC and Zip), CDBS bulk billing for eligible children at all three clinics, OHFFSS vouchers, Workers Compensation claims, DVA cards and superannuation on compassionate grounds. Written itemised quote with ADA item numbers before any treatment begins — every time.
| Health funds | All major Australian health funds · HICAPS on-the-spot claiming · pay only the gap at the clinic |
| Payment plans | Afterpay · Humm · Denticare · TLC · Zip — interest-free options available |
| CDBS bulk billing | Eligible children aged 2–17 · all 3 clinics · up to $1,095 over 2 years · no out-of-pocket |
| OHFFSS vouchers | Accepted — treatment at no cost for authorised items · we do not issue vouchers · 1800 679 336 |
| Workers Compensation | Accepted for dental injuries (SIRA NSW) · accepted claim required · pre-approval may apply |
| DVA cards | DVA Gold Card (all necessary dental) and DVA White Card (service-related conditions) accepted |
| Superannuation | ATO compassionate grounds — eligible patients only · we provide treatment plan documentation |
| Credit/debit | Visa · Mastercard · EFTPOS · cash · bank transfer |
| Written quote | Itemised quote with ADA item numbers before any treatment — every patient, every appointment |
| Phone | (02) 8677 9094 to discuss payment options before your appointment |
Prepared by: Paynless Dental Editorial Team Clinical review: Dr Payal Gupta · Principal Dentist · AHPRA Registered Dentist
Reviewed: July 2026 · Next scheduled review: July 2027
This page provides general information about dental payment options available at Paynless Dental Sydney. Payment plan terms, limits and eligibility are set by the respective providers and are subject to change — verify current terms directly with each provider. CDBS information is sourced from Services Australia. OHFFSS information is sourced from NSW Health. Paynless Dental is a dental practice, not a financial adviser. Seek independent financial advice before making decisions about superannuation or insurance claims.
Before any treatment begins at Paynless Dental, you receive a written itemised quote listing every service with its ADA item number and cost. This means you know exactly what you will pay — and what your health fund will rebate — before we begin. You can take the quote home, call your health fund to verify coverage, or use it to apply for a payment plan. Nothing proceeds without your approval.
Paynless Dental accepts all major Australian private health funds. We process your rebate claim on-the-spot via HICAPS — you pay only the gap amount at the time of your appointment. Bring your health fund card.
General dental (most extras policies): check-ups, X-rays, scale and clean, fillings, simple extractions — rebates typically 60–80% of ADA schedule fee.
Major dental (medium/high extras): crowns, root canal therapy, dentures, mouthguards — rebates typically 50–70% but subject to annual limits.
Orthodontics (most comprehensive extras): braces, aligners — lifetime limit typically $1,500–$3,000 depending on your policy.
Payment plans let you start treatment now and pay over time — interest-free with most providers. Paynless Dental accepts five payment plan providers to match different treatment amounts and budgets.
| Provider | Best For | Typical Range | Repayments | Interest | Approval |
|---|---|---|---|---|---|
| Afterpay | Small to medium treatments | Up to ~$2,000 | 4 equal fortnightly instalments over 8 weeks | 0% if paid on time | Instant via app |
| Humm (NDP) | Medium to large treatments | Up to $30,000 | 12, 18 or 24 months · monthly | 0% interest · $8/month fee | Fast — in practice |
| Denticare | Larger treatments — implants, full mouth | $3,000–$50,000 | Weekly, fortnightly or monthly · 12–60 months | Interest-free · 20% deposit typically | 48–72 hours · no credit check |
| TLC | Larger treatments · flexible terms | Up to $50,000 | Flexible — discuss at appointment | Contact TLC for current rates | Via TLC directly |
| Zip | Medium treatments · flexible repayments | Up to $14,999 | Weekly, fortnightly or monthly · 9–18 months | Interest-free period then interest applies | Fast via app |
If you want to split a routine check-up or small filling ($200–$500) → Afterpay · 4 payments · instant approval · no paperwork
If you want to spread a crown, root canal or wisdom teeth removal ($1,500–$3,000) → Afterpay (if within limit) or Humm · 12–24 months · $8/month fee
If you want to pay for dental implants or full dentures ($3,000–$12,000) → Denticare · interest-free · no credit check · up to 5 years
If you want to spread a large treatment plan ($5,000–$30,000+) → TLC, Denticare, or Humm · discuss at your appointment
If your child needs treatment and is eligible aged 2–17 → CDBS bulk billing · free at Paynless Dental · no payment plan needed
Yes — and this is often the best approach for larger treatments. Your health fund rebate is processed via HICAPS first, reducing the total amount. The remaining out-of-pocket gap can then be financed through a payment plan provider. For example: a $4,000 crown procedure with a $1,200 health fund rebate leaves $2,800 — which could be spread over 12 months with Humm. Discuss the combination at reception before your treatment begins.
Important: Payment plan terms, limits, fees and eligibility criteria are set by the respective providers and are subject to change. Paynless Dental is not a financial adviser. The information above is indicative — verify current terms directly with each provider before applying. Links below for each provider’s website.
Afterpay at Paynless Dental → ·
Humm (NDP) → ·
Denticare Payment Plan →
Paynless Dental is a registered CDBS provider at Toongabbie, North Ryde and Blacktown. Eligible children receive dental care at no cost — bulk billed directly to Medicare.
The Australian Dental Association recommends a child’s first dental visit by age 2, or earlier if parents have concerns. CDBS is available from age 2. Early visits establish familiarity with the dental environment and allow assessment of erupting teeth, fluoride treatment and dietary advice. Call (02) 8677 9094 to book your child’s first visit.
Paynless Dental accepts NSW Oral Health Fee For Service Scheme (OHFFSS) vouchers. Treatment listed on your voucher is provided at no cost to you for authorised services. We do not issue OHFFSS vouchers — they are issued by NSW public dental clinics after a triage assessment.
Urgent Care Voucher: Valid for 1 month · covers urgent dental treatment (pain relief, extractions, abscess drainage)
General Care Voucher: Valid for 3 months · covers general dental treatment (fillings, extractions, denture repairs)
Denture Voucher: Valid for 3 months · covers new full or partial dentures at participating providers
Paynless Dental accepts all three voucher types. To find all participating providers: ohffss.health.nsw.gov.au
Full scheme details: NSW Health — OHFFSS
Paynless Dental accepts workers compensation dental claims for treatment arising from a dental injury sustained in a workplace accident. If your teeth, jaw or mouth were injured at work, your dental treatment may be fully covered under your workers compensation claim.
Important: Workers compensation dental claims require an accepted claim under the SIRA NSW workers compensation scheme. Insurer pre-approval may be required before treatment commences — Paynless Dental assists with this. Treatment not pre-approved may be your responsibility. For more information: sira.nsw.gov.au. Call (02) 8677 9094 to discuss your situation before your appointment.
Eligible Australians may be able to access their superannuation early on compassionate grounds through the Australian Taxation Office (ATO) to pay for major dental treatment. This is an ATO-administered process — Paynless Dental can provide the supporting documentation your fund requires.
The ATO considers compassionate release of super for dental treatment that is necessary to:
Treatment that commonly qualifies: major reconstructive dental work, dental implants for severe functional impairment, dentures after significant bone loss, treatment for severe dental infections or pain conditions. Not all dental treatment qualifies — routine check-ups and cosmetic treatment are typically excluded.
Paynless Dental is a dental practice, not a financial adviser. Eligibility for early superannuation release is assessed by the ATO — not by Paynless Dental. Tax consequences may apply when accessing super early. Seek independent financial advice before making superannuation decisions. For full information: ato.gov.au
Paynless Dental accepts Department of Veterans’ Affairs (DVA) cards. Bring your DVA card to your appointment. Our team will verify your entitlements directly with DVA and bill accordingly.
DVA Gold Card holders are entitled to all necessary dental treatment at no out-of-pocket cost. This covers the full range of general and major dental services at Paynless Dental, including check-ups, cleans, fillings, extractions, root canals, crowns and dentures. Bring your Gold Card to your appointment.
DVA White Card holders are entitled to dental treatment for service-related dental conditions accepted by DVA as a liability. Treatment for conditions not accepted by DVA as service-related are not covered under the White Card. Contact DVA on 1800 555 254 to confirm your dental entitlements before booking.
Not having private health fund extras cover does not mean dental treatment is unaffordable. These options are available without any health fund membership.
→ CDBS bulk billing — free dental care at no cost. No health fund needed. Call (02) 8677 9094 and we confirm CDBS eligibility on the spot.
→ OHFFSS accepted — no out-of-pocket cost for authorised treatment. Call 1800 679 336 to apply for a voucher if you are eligible for public dental care.
→ Afterpay — split into 4 fortnightly instalments at no interest. Instant approval in the Afterpay app. No upfront payment required.
→ Denticare (no credit check) or Humm — spread the cost over 12–60 months. Paynless Dental provides the treatment plan quote required to apply.
→ ATO compassionate grounds — access your superannuation for qualifying major dental treatment. Paynless Dental provides the required treatment plan documentation.
→ DVA bulk billing applies. No private health fund needed. Bring your DVA card to your appointment.
Still unsure which option is right for you? Call us on (02) 8677 9094 before your appointment and our team will walk you through the options that apply to your situation. We always provide a written quote first so you know exactly what it will cost before making any decisions.
Paynless Dental accepts all major Australian private health funds — including Medibank, Bupa, NIB, HCF, CBHS, HBF, Peoplecare, Teachers Health, Australian Unity, GMHBA, AHM, Westfund and all others. Claims are processed on-the-spot via HICAPS — bring your health fund card and pay only the gap at the time of your appointment. Call (02) 8677 9094 if you have questions about your specific fund.
Yes. Paynless Dental accepts Afterpay for dental treatment. Afterpay splits your treatment cost into four equal fortnightly instalments over 8 weeks at 0% interest when paid on time. Approval is instant via the Afterpay app. Typically available for amounts up to approximately $2,000 — your Afterpay account limit applies. For larger treatment amounts, Humm or Denticare may be more suitable. See our Afterpay dental page for more.
The Child Dental Benefits Schedule (CDBS) is a Medicare-funded scheme providing free dental care for eligible children aged 2–17. Paynless Dental is a registered CDBS provider at all three clinics (Toongabbie, North Ryde and Blacktown). Eligible children receive check-ups, X-rays, scale and clean, fluoride, fillings and extractions at no out-of-pocket cost — up to $1,095 over two consecutive calendar years. We confirm eligibility via Medicare at your child’s appointment. Call (02) 8677 9094.
Yes. Paynless Dental accepts NSW Oral Health Fee For Service Scheme (OHFFSS) vouchers. Treatment listed on your voucher is provided at no cost to you for authorised services. Paynless Dental does not issue OHFFSS vouchers — these are issued by NSW public dental clinics after a triage assessment. To enquire about eligibility, call the NSW oral health contact centre on 1800 679 336. Full details: NSW Health — OHFFSS.
Eligible Australians may be able to access superannuation early on ATO compassionate grounds for dental treatment that is necessary to treat a life-threatening condition, or to alleviate acute or chronic pain. Paynless Dental provides the written treatment plan and ADA item code documentation required for your ATO application. The ATO assesses eligibility — not Paynless Dental. Seek independent financial advice before making superannuation decisions. See ato.gov.au for eligibility criteria.
Yes. Paynless Dental accepts Workers Compensation dental claims (SIRA NSW) for dental injuries arising from workplace accidents. You need an accepted SIRA NSW claim. Insurer pre-approval may be required before treatment. We provide written treatment plans with ADA item codes and itemised invoices for lodgement. Call (02) 8677 9094 to discuss your situation before your appointment.
Paynless Dental accepts five payment plan providers: Afterpay (up to ~$2,000 · 4 fortnightly instalments), Humm (up to $30,000 · 12–24 months), Denticare ($3,000–$50,000 · 12–60 months · no credit check), TLC (flexible terms · larger treatments) and Zip (up to $14,999 · 9–18 months). Payment plans can be combined with health fund rebates — your fund rebate reduces the amount financed.
Yes. Many options are available without health insurance: CDBS bulk billing (children aged 2–17 · no cost) · OHFFSS vouchers (NSW eligible patients · no cost) · payment plans (Afterpay, Humm, Denticare, TLC, Zip) · superannuation on ATO compassionate grounds · DVA cards · Workers Compensation. Call (02) 8677 9094 to discuss which options apply to you before booking. We always provide a written quote first.
Yes. DVA Gold Card holders receive all necessary dental treatment at no out-of-pocket cost. DVA White Card holders receive treatment for DVA-accepted service-related dental conditions. Bring your DVA card to your appointment. Call DVA on 1800 555 254 to confirm your dental entitlements before booking, particularly if you hold a White Card.
Prepared by: Paynless Dental Editorial Team Clinical review: Dr Payal Gupta · Principal Dentist · AHPRA Registered Dentist
Reviewed: July 2026 · Next scheduled review: July 2027
This page provides general information about dental payment options available at Paynless Dental. CDBS information is sourced from Services Australia. OHFFSS information is sourced from NSW Health. Superannuation compassionate grounds information is sourced from the ATO. DVA entitlements should be verified directly with DVA on 1800 555 254. Payment plan terms are set by the respective providers and are subject to change — verify current terms directly with each provider. Paynless Dental is a dental practice, not a financial adviser. Individual patient testimonials are not reproduced in compliance with AHPRA advertising guidelines.
Information on this page is provided for general purposes only and is not a substitute for personalised financial or dental advice. Paynless Dental is a dental practice, not a financial adviser. Payment plan eligibility and terms are set by Afterpay, Humm, Denticare, TLC and Zip respectively — Paynless Dental makes no representations about approval or terms. CDBS subject to Medicare eligibility determined by Services Australia. OHFFSS vouchers accepted — not issued by Paynless Dental. Workers Compensation subject to accepted SIRA NSW claim and insurer approval. DVA entitlements subject to DVA assessment — verify your entitlements directly with DVA. Superannuation compassionate grounds subject to ATO approval — seek independent financial advice. Health fund rebates vary by fund and policy level. © 2026 Paynless Dental.
