Spread the cost of treatment with a TLC plan
Bigger treatments don't have to wait for savings. A TLC payment plan lets you start now and spread the cost into manageable repayments, from $2,001 to $50,000.
What is TLC?
Total Lifestyle Credit, in plain English
TLC (Total Lifestyle Credit) is an established Australian finance provider that lets you pay for dental treatment over time instead of all at once. You get a written quote from us, apply with TLC, and once approved you go ahead and pay it off in regular instalments that suit your budget.
Why TLC
Why patients choose TLC
For bigger treatments, a TLC plan can be the difference between putting it off and getting it done.
Start straight away
No waiting until you've saved up. Once you're approved, you can begin treatment now and pay it off over time.
Covers the whole cost
From $2,001 to $50,000, including related hospital and anaesthetist fees, not just the dental bill.
Repayments to suit you
Flexible weekly or fortnightly repayments over terms up to seven years, with no upfront deposit and the freedom to pay it off early.
Simple online application
Apply online in minutes and often get a quick decision. TLC manages the application and repayments directly with you.
Peace of mind
Go ahead now, pay TLC over time
A TLC plan means you don't have to choose between your treatment and your budget. Start when you're ready and repay in steady amounts that suit you.
What TLC covers
Treatments you can put on a TLC plan
TLC suits larger treatments, from $2,001 up. It can cover implants, cosmetic work, orthodontics, wisdom teeth and more, including related hospital and anaesthetist fees.
Getting started
How a TLC plan works
Three simple steps, and we help you at each one.
- 1. Start with a clear quoteCome in for a consult and we give you a written, itemised treatment plan, which is what you use to apply.
- 2. Apply with TLC onlineA quick online application with a fast decision, often the same day. A credit and financial assessment applies.
- 3. Start treatment, pay over timeOnce approved, book in and repay in instalments that suit your budget, over terms up to seven years.
Combining cover
TLC works with your rebates
Have health-fund extras or eligible super? Use those first and put the gap on a TLC plan, so you only finance what you need to.
Get your quote
Book a consultGood to know
Common TLC questions
What is TLC?
TLC (Total Lifestyle Credit) is an established Australian finance provider. It lets you pay for dental treatment over time in regular instalments instead of all at once. It's a third-party provider, so all finance is subject to approval and lending criteria.
How much can I finance?
Plans run from $2,001 to $50,000, so TLC suits larger treatments like implants, orthodontics or full-mouth work rather than a routine check-up.
What can it cover?
All of your treatment costs, including related hospital and anaesthetist fees, not just the dental bill.
How do I apply?
Come in for a consult so we can give you a written, itemised quote, then apply with TLC online. We can help you get started. A credit and financial assessment applies.
How long does approval take?
It's often quick, and sometimes approved the same day. TLC will let you know if they need anything further.
Can I pay it off early?
Yes. TLC plans are flexible and you can pay yours off faster. Check your terms with TLC for any conditions that apply.
Can I combine TLC with my health fund or super?
Yes. You can use your health fund rebate first and finance the gap with TLC, and released super can even be used to pay down a TLC plan.
Get started
Ready to spread the cost with TLC?
Book a consultation online any time, or call our friendly team seven days a week. We'll give you a clear quote and talk you through whether TLC is right for you.
