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Payment Plans

Premium Dental Care with Affordable, Interest-Free Options

Premium Dental Care Made Accessible

At Cotton Tree Dental, we believe that nothing should stand in the way of the smile you deserve—not even finances. That’s why we offer a range of easy, interest-free payment plans designed to suit different needs and lifestyles, making premium dental care accessible without compromise.

Our partners in health

Your Smile, Your Budget, Your Way

Tailored to Fit Your Lifestyle

Whether you’re planning a full mouth rehabilitation, need a crown or implant, or are simply after routine care, we have flexible payment options that can help you proceed with confidence.
We partner with trusted third-party providers to offer simple, transparent plans with:

  • Payments starting from as little as $59/week
  • No interest ever
  • Quick approvals
  • No hidden fees
Book your smile consultation
Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: Comprehensive dental assessment including Alignement and function of jaw , Oral cancer screen, Health of gums, Examine teeth for cavity & wear, Smile assessment, professional clean and polish, fluoride treatment & much more Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: full exam with radiographs, professional clean and polish, fluoride treatment Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: full exam with radiographs, professional clean and polish, fluoride treatment Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: full exam with radiographs, professional clean and polish, fluoride treatment Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: full exam with radiographs, professional clean and polish, fluoride treatment Payment Plans available* - STARTING FROM $59/ WEEK $349 signature new patient experience: full exam with radiographs, professional clean and polish, fluoride treatment Payment Plans available* - STARTING FROM $59/ WEEK

Our Solutions

Multiple Payment Options Include

Payment Plans

We offer flexible, interest-free payment plans designed to make quality dental care accessible to everyone. Our payment plans allow you to spread the cost of any dental treatment over manageable monthly installments from 3 to 24 months without any interest charges, or hidden costs. With a simple application process and quick approval, you can start treatment immediately while making predictable monthly payments that fit your budget. Payments can be automatically deducted for convenience, ensuring that financial considerations never prevent you from receiving the dental care you deserve.

We accept all major health funds and are committed to maximising your dental benefits. Our experienced team will help you understand your coverage, process your claims directly with your health fund where possible, and ensure you receive the maximum rebate available for your treatment. We’ll verify your benefits before treatment begins, explain any gap payments upfront, and work with you to schedule treatments strategically to make the most of your annual limits. Our goal is to make your dental care as affordable as possible by fully utilising your health fund benefits, so you can focus on achieving optimal oral health without unexpected costs.

Early release of superannuation allows eligible Australians to access their retirement savings early for essential medical and dental treatment under the Australian Government’s compassionate release program. This option is available when you need significant dental work but don’t have the immediate funds to cover the costs. We’ve partnered with SUPERCARE to make this process completely hassle-free—they handle all the paperwork and applications on your behalf, so you don’t need to fill out any forms or navigate complex government requirements. Our team will assess your eligibility and connect you directly with SUPERCARE, who manages everything from start to finish, making essential dental care accessible when you need it most.

Ready to begin?

Reserve your appointment today

Booking your consultation is easy, and our friendly team is ready to help you take the next step towards a more comfortable, confident smile.

Book your smile consultation

Use Your Super to Restore Your Smile Sooner

Accessing Super

In some cases, patients may be eligible to access their superannuation early to fund essential dental treatments. At Cotton Tree Dental, we help guide you through the process, so you can receive the care you need now—without the wait.

What is Early Release of Super for Dental Treatment?

The Early Release of Superannuation (ERS) program allows you to apply for access to your super for medical or dental expenses on compassionate grounds. This is particularly helpful if your treatment is essential for quality of life but is unaffordable upfront.

Our team works closely with your GP and relevant parties to support your application and ensure all documents are correctly submitted.

Treatments Eligible for Super Release

We offer flexible, interest-free payment plans designed to make quality dental care accessible to everyone. Our payment plans allow you to spread the cost of any dental treatment over manageable monthly installments from 3 to 24 months without any interest charges, or hidden costs. With a simple application process and quick approval, you can start treatment immediately while making predictable monthly payments that fit your budget. Payments can be automatically deducted for convenience, ensuring that financial considerations never prevent you from receiving the dental care you deserve.

We accept all major health funds and are committed to maximising your dental benefits. Our experienced team will help you understand your coverage, process your claims directly with your health fund where possible, and ensure you receive the maximum rebate available for your treatment. We’ll verify your benefits before treatment begins, explain any gap payments upfront, and work with you to schedule treatments strategically to make the most of your annual limits. Our goal is to make your dental care as affordable as possible by fully utilising your health fund benefits, so you can focus on achieving optimal oral health without unexpected costs.

Early release of superannuation allows eligible Australians to access their retirement savings early for essential medical and dental treatment under the Australian Government’s compassionate release program. This option is available when you need significant dental work but don’t have the immediate funds to cover the costs. We’ve partnered with SUPERCARE to make this process completely hassle-free—they handle all the paperwork and applications on your behalf, so you don’t need to fill out any forms or navigate complex government requirements. Our team will assess your eligibility and connect you directly with SUPERCARE, who manages everything from start to finish, making essential dental care accessible when you need it most.

We accept all major health funds and are committed to maximising your dental benefits. Our experienced team will help you understand your coverage, process your claims directly with your health fund where possible, and ensure you receive the maximum rebate available for your treatment. We’ll verify your benefits before treatment begins, explain any gap payments upfront, and work with you to schedule treatments strategically to make the most of your annual limits. Our goal is to make your dental care as affordable as possible by fully utilising your health fund benefits, so you can focus on achieving optimal oral health without unexpected costs.

We accept all major health funds and are committed to maximizing your dental benefits. Our experienced team will help you understand your coverage, process your claims directly with your health fund where possible, and ensure you receive the maximum rebate available for your treatment. We’ll verify your benefits before treatment begins, explain any gap payments upfront, and work with you to schedule treatments strategically to make the most of your annual limits. Our goal is to make your dental care as affordable as possible by fully utilising your health fund benefits, so you can focus on achieving optimal oral health without unexpected costs.

Ready to get started?

Book your smile consultation
Booking your consultation is quick and simple, and our friendly team is here to support you every step of the way. Whether you’re exploring your eligibility for early super access or just need guidance on the treatment process, we’re ready to help you take the next step toward a healthier, more confident smile.

essential dental treatment

Access the Dental Care You Need

Early release of superannuation allows eligible Australians to access their retirement savings early for essential medical and dental treatment under the Australian Government’s compassionate release program. This option is available when you need significant dental work but don’t have the immediate funds to cover the costs. We’ve partnered with SUPERCARE to make this process completely hassle-free—they handle all the paperwork and applications on your behalf, so you don’t need to fill out any forms or navigate complex government requirements. Our team will assess your eligibility and connect you directly with SUPERCARE, who manages everything from start to finish, making essential dental care accessible when you need it most.
Book your smile consultation

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Find us near you

  • Monday - Friday: 8am- 5pm
    Saturday: By appointment
    Sunday: Closed