Use Zip to Help Manage Dental Costs
Eligible patients can use Zip to spread dental costs over time. Fees, limits and approval apply. Clinical care decisions remain based on dental need.
Understanding Zip And How It Supports Dental Expenses
Zip is a payment option that allows eligible patients to spread their dental costs over time, rather than paying the full amount upfront. This may help manage expenses for recommended care, depending on approval and account type.
Depending on eligibility and the product, some patients may be eligible for interest-free options. Approval, limits and fees are determined by Zip. This payment method may assist patients in managing dental expenses, while treatment decisions remain based on clinical need.
Choose Zip To Help Manage Dental Costs
Eligible patients can use Zip to spread dental costs. Approval, limits, and fees apply. Clinical care decisions remain based on need.
How To Pay For Dental Treatments With Zip
Paying for dental care with Zip is simple. At your appointment, let our team know you wish to use Zip, and they will guide you through the steps required for Zip’s independent approval process.
Once approved, Zip pays the clinic directly, and you repay in instalments. Some accounts may include interest-free options, depending on eligibility, fees and limits. This payment option may assist patients in managing treatment costs.
Frequently Asked Questions
What is Zip, and how does it work?
Zip is a buy now, pay later (BNPL) service that allows eligible patients to split dental costs into smaller repayments. Instead of paying the full amount upfront, Zip settles the treatment cost directly with the clinic. You then repay Zip in instalments, depending on your approved account.
- Flexible repayments:
Choose weekly, fortnightly, or monthly repayment options, depending on your Zip account type. - Account required:
You’ll need to create and be approved for a Zip account before use. - Interest-free option:
Some dental payments may be eligible for interest-free plans, depending on your account type. Fees, late charges, and limits may apply.
This payment option may help some patients manage dental expenses over time, depending on their Zip account eligibility, fees, and approval.
Can I use Zip to pay for all dental treatments?
Zip may be available for many dental services, including preventive care (check-ups, cleans), restorative care (fillings, crowns), and some cosmetic procedures such as veneers. However, there are a few things to consider:
- Treatment eligibility:
While many procedures can be included, certain specialised or complex treatments may not fall within Zip’s account limits. - Spending cap:
Your ability to use Zip depends on your approved account limit, which may not fully cover higher-value treatments. - Clinic policies:
Some clinics set minimum or maximum amounts for BNPL transactions, so it’s best to confirm when booking.
By discussing your treatment plan and costs upfront, our team can explain which services may be paid for with Zip, depending on eligibility and account limits.
How do I sign up for a Zip account?
Signing up for a Zip account is straightforward and can usually be done online or through the Zip mobile app. Here’s the process:
- Download the Zip app (iOS or Android) or visit the official Zip website.
- Complete an application form, providing personal details such as name, date of birth, contact information, and identification.
- Credit and identity checks are carried out by Zip to assess eligibility and determine your spending limit.
- If approved, you’ll receive access to a digital Zip account where you can view your available credit, repayment schedule, and any applicable fees.
- You’re then ready to use Zip at participating clinics, including dental practices that accept it.
Approval is determined entirely by Zip, not the dental clinic. The clinic cannot influence or guarantee your application outcome.
Do I need approval before using Zip at the clinic?
Yes, you must have an active and approved Zip account before you can use it to pay for dental treatment. Approval is handled solely by Zip, based on their eligibility criteria and credit checks.
It’s also important to have enough available balance in your account to cover the cost of your appointment. The clinic cannot influence approval outcomes or increase your spending limit, so it is advisable to set up your Zip account in advance to avoid delays on the day of treatment.
Is Zip interest-free for dental payments?
Some Zip accounts may offer interest-free repayment options, depending on the product type and eligibility. Fees, spending limits, and late charges may also apply.
- Some Zip products provide a fixed interest-free period, while others may charge interest after a set timeframe.
- Account or monthly fees can apply depending on your account type.
- Late fees may be added if repayments are missed.
Because fees and conditions can change, always review your Zip contract or check the Zip app before using this payment method. If you’d like, our team can provide an itemised treatment quote so you can confirm repayment details with Zip before proceeding.
What is the maximum amount I can spend with Zip?
Your maximum spend depends on the Zip product you are approved for and the credit limit set by Zip. Some accounts have lower limits suitable for smaller treatments, while others provide higher limits that may cover more extensive dental work.
Keep in mind that your approved balance must be enough to cover the treatment cost. If the procedure exceeds your limit, you may choose to:
- Pay part of the fee with Zip and the remainder directly to the clinic
- Discuss with your dentist whether staged treatment is clinically appropriate
The exact limit is determined by Zip during your application and cannot be adjusted by the clinic.
Are there any fees when using Zip at the clinic?
The dental clinic does not add extra charges for choosing Zip as your payment method. However, Zip itself may apply fees depending on your account type:
- Monthly account fees may apply to certain Zip products.
- Establishment fees can be charged when opening some accounts.
- Late fees may apply if repayments are missed or delayed.
These fees are set and managed by Zip, not by the clinic. For the most accurate and up-to-date information, it’s best to check your Zip app or contract before using the service.
How do repayments work with Zip?
Repayments are made directly to Zip, not to the dental clinic. After your treatment is processed, Zip provides you with a repayment schedule outlining how much is due and when.
You can usually choose between weekly, fortnightly, or monthly instalments, depending on your account type. Payments are made automatically through the card or bank account you link in the Zip app.
If a repayment is missed, Zip may charge a late fee and this could affect your credit record. Checking your schedule in the Zip app allows you to monitor repayments and avoid unexpected charges.
Can I make extra repayments to finish sooner?
Yes, most Zip accounts allow you to make extra or early repayments at any time through the Zip app. By paying more than the minimum amount, you can reduce your outstanding balance faster.
This flexibility can help minimise fees or potential interest charges (if applicable to your product). Always check the details in your Zip account, as conditions may vary depending on the type of Zip product you hold.
Is Zip available to new and existing patients?
Zip can be used by both new patients visiting for the first time and existing patients returning for ongoing care, provided you have an approved Zip account with a sufficient limit.
Our clinic accepts Zip as a payment option for eligible treatments. If you are new to our practice, we’ll provide a full consultation and treatment plan before proceeding, so you can decide whether using Zip is the right choice for your situation.
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