TLC Dental Payment Plans
The decision to invest in your smile is a personal one. At Dental Couture, we want that decision to be about what is right for you, not about timing.
We have partnered with Total Lifestyle Credit (TLC) to offer flexible payment options for patients pursuing cosmetic dental treatment across Melbourne and Victoria.
TLC can fund treatment from $2,000 to $70,000, with repayment terms of up to 84 months and no upfront or hidden fees. The entire process is managed privately by TLC’s specialist consultants.
PAYMENT PLAN FEATURES
Designed around your life.
Funding from $2,000 to $70,000
TLC can fund your full treatment investment, including all dental fees and associated out-of-pocket costs.
Repayment terms of up to 84 months
Choose the term that works for your circumstances. From 36 to 84 months, repayments are structured to suit your life.
No upfront or hidden fees
Your weekly repayment covers everything. There are no application fees or charges to get started.
Privately managed by specialists
Your application is handled directly by TLC’s specialist consultants, not through the practice. Your financial information stays between you and TLC.
No early payout charges
You are free to repay your plan ahead of schedule at any time, without incurring any additional charges.
Additional repayments accepted
Any extra repayments or rebates can be applied directly to your plan at no additional charge, reducing your balance or remaining term.
Open to a wide range of applicants.
TLC is designed to be accessible to patients across a broad range of employment and financial circumstances. You may be eligible if you are:
- Employed full-time, part-time or as a casual worker (minimum three months in your current role)
- Self-employed (most recent personal tax return required)
- Under 25 without an established credit history
- An applicant with minor credit defaults
- A parent applying on behalf of a dependent receiving treatment
- A family member applying on behalf of the patient
- Receiving Centrelink income, including single parent, carer, disability or veteran payments (treatment investments up to $5,000)
Income verification is required for all applications. TLC will request recent payslips, a current Centrelink statement or a personal tax return, depending on your circumstances.
Open to a wide range of applicants.
1. Download your Smile Guide
Explore the full range of cosmetic treatments available at Dental Couture and understand the investment involved before your consultation.
2. Book your complimentary consultation
Meet with our team to discuss your smile goals and confirm a personalised treatment plan designed for you.
3. Apply directly with TLC
Apply online in a few minutes. TLC’s consultants manage the assessment privately and will be in touch with an outcome.
Treatment investment and weekly repayment guide.
The table below provides indicative weekly repayment amounts based on TLC’s standard payment terms. These figures are a guide only. Your actual repayment will be confirmed by TLC following a full credit and financial assessment based on your personal circumstances.
Treatment Investment | Indicative Weekly Repayment | Term |
|---|---|---|
| $2,000 | From $25 per week | 36 months |
| $2,500 | From $30 per week | 36 months |
| $3,500 | From $40 per week | 36 months |
| $5,000 | From $30 per week | 60 months |
| $6,000 | From $35 per week | 60 months |
| $7,000 | From $45 per week | 60 months |
| $8,000 | From $55 per week | 60 months |
| $10,000 | From $70 per week | 60 months |
| $20,000 | From $125 per week | 60 months |
| $25,000 | From $135 per week | 60 months |
| $30,000 | From $160 per week | 60 months |
| $35,000 | From $180 per week | 60 months |
| $40,000 | From $175 per week | 84 months |
| $45,000 | From $195 per week | 84 months |
| $50,000 | From $220 per week | 84 months |
| $55,000 | From $240 per week | 84 months |
| $60,000 | From $265 per week | 84 months |
| $65,000 | From $285 per week | 84 months |
| $70,000 | From $305 per week | 84 months |
Figures are indicative only and should be used as a guide. Figures from $5,000 to $35,000 are based on 60-month terms. Figures from $40,000 to $70,000 are based on 84-month terms. Speak with TLC directly for a personalised quote based on your individual circumstances. Total Lifestyle Credit, Australian Credit Licence 509691.
frequent asked questions
What treatments does TLC cover at Dental Couture?
TLC can fund the full investment for cosmetic dental treatments at Dental Couture, including porcelain veneers, smile makeovers, Invisalign, Digital Smile Design, and associated clinical costs such as consultations and imaging.
Is there an interest rate?
Yes. TLC’s interest rate is assessed individually based on your credit and financial circumstances. Rates are competitive within the medical lending segment, and interest is only charged to the term you select. A shorter repayment term reduces the total amount paid.
Are there any upfront or hidden fees?
No. There are no application fees or hidden charges. Your weekly repayment covers everything.
Can I make additional repayments?
Yes. Any additional repayments or rebates can be applied directly to your plan at no extra charge, reducing your total balance or remaining term.
How do I apply?
You can apply online using the button on this page. TLC’s consultants manage the entire process privately and will contact you following their assessment.
What proof of income do I need to provide?
Requirements vary depending on your employment circumstances:
- Employed: two recent payslips
- Self-employed: most recent personal tax return
- Centrelink recipients: most recent Centrelink statement
Can a family member apply on behalf of a patient?
Yes. Parents and family members may apply on behalf of a patient receiving treatment, subject to TLC’s standard eligibility and assessment criteria.
How long does the process take?
TLC’s consultants will be in touch following receipt of your application. The team manages the process efficiently and will keep you informed throughout.
