All-on-4® Finance Options: Super Access vs Payment Plans
Posted on: April 16, 2025
BackAll-on-4® Finance Options: Super Access vs Payment Plans
5 minute read
All-on-4® dental implants can be a life-changing treatment for people with missing or failing teeth, but it’s also a lifelong investment. If you’re considering All-on-4® implants, your treatment coordinator can discuss a range of finance options to make the treatment more accessible for your circumstances – from interest-free payment plans to the early release of superannuation funds.
Read this guide to find out about early super access and other All-on-4® finance options we offer at Perth Dental Implant Centre. We’re transparent about our treatment costs and we’ll make sure you know all the finance options for All-on-4® implants.
Early super access for All-on-4® finance
If the upfront cost of All-on-4® treatment is out of reach, and you want to avoid putting up with ongoing pain from missing or badly damaged teeth, early access to superannuation funds could be an option to restore your smile sooner.
At Perth Dental Implant Centre, we can help you apply for early release of retirement funds through SuperCare or Super Health Ensemble, helping you to fully or partially pay for All-on-4® treatment for you or an eligible family member. Call 1300 108 133 to discuss your All-on-4® finance options with our team today.
Am I eligible?
If you or a family member is struggling with the effects of missing or damaged teeth and not able to afford dental treatment, it may be possible to approve the early release of super funds on compassionate grounds. This is assessed on a case by case basis and requires:
• that you are a citizen or permanent resident of Australia or New Zealand
• confirmation from your doctor and dentist that you are suffering from acute or chronic pain or mental illness as a result of your dental condition
• evidence that you have no other means of paying for the treatment, such as taking out a loan or savings
• documents supporting the application
You may be able to use your super to pay for treatment for a dependant, such as a spouse, child or someone else you have an interdependent relationship with.
Not all super funds approve the early release of funds, so it’s important to check with your superannuation provider first about whether this is an option for you.
How much can I withdraw?
If you’re approved for early super release, there is no minimum or maximum limit that can be withdrawn, depending on whether you need help to cover all or only part of your treatment costs. However, it’s important to remember that making withdrawals from your super fund could impact on your future retirement income.
Your dentist will first need to carry out an assessment and develop your treatment plan before they can give you a finalised quote for your All-on-4® treatment cost. Your treatment will only begin after your application has been approved and your funds are released.
How much does it cost?
Withdrawing super funds early incurs fees:
• If you are under 60, the Australian Tax Office (ATO) will charge 20–25% tax on the amount released. This will be deducted from your super fund.
• If you are over 60, withdrawals are tax free.
• Additional fees may be charged by third-party providers.
Early superannuation payments count towards your taxable income in the current year. This is important to be aware of, as it could affect the welfare payments you are entitled to claim.
How to apply
Our team at Perth Dental Implant Centre can help you to apply for early super release through SuperCare or Super Health Ensemble, or you may prefer to apply directly through my.gov.au.
When applying, you will need to submit the following documents:
• An application form for early super release
• Your All-on-4® treatment plan detailing all stages of the treatment
• An itemised All-on-4® quote (no more than 6 months old) or unpaid invoice (no more than 30 days old)
• Two medical reports, one signed by your dentist and the other by your doctor or another registered medical specialist (signed within the last 6 months)
Additional documents may be needed if your super funds are covering other related expenses such as anaesthetist or hospital fees.
When will the funds be sent?
If your super withdrawal is approved, your funds should be transferred within 7–28 days. It could take longer if the ATO requests more information or has questions about your application. Informing your superannuation provider of your plans in advance could help to avoid delays.
Once the funds are received, your dentist can start to schedule your All-on-4® treatment.
SuperCare
As a SuperCare provider, we can help you to complete your application for super withdrawal through a trusted third party. SuperCare charges a service fee of $680, and funds may sometimes be transferred in as little as 7 days, depending on the case.
If you are not approved for early super release, SuperCare do not take a fee.
Super Health Ensemble
We also partner with Super Health Ensemble , which can guide you through the application process with your super fund. Super Health Ensemble charges a service fee of $660 and funds are usually transferred within 20 days, unless there are delays.
All-on-4® payment plans
If you have a regular income, but don’t want to delay your All-on-4® treatment until you’ve saved enough funds to make a single payment, we offer a choice of flexible payment plans through Zip Money, Afterpay and Pretty Penny Finance to help you pay your bill in manageable instalments. Call 1300 108 133 to talk to our team about your options.
Zip Money
Zip Money offers dental finance loans up to $30,000 with interest-free options depending on your circumstances and whether you keep up with the minimum repayments.
• Loan amounts from $1,000–$30,000
• 3–60 months interest-free terms available
• Weekly, fortnightly or monthly repayments
• $9.95 per month account fee until the loan is repaid
• One time $99 establishment fee may apply
• Same day approval
How to apply
You can apply for the funds you need using the Zip app or online. You’ll need to provide details of:
• proof of identity, such as your passport or driver’s licence
• your home address
• your employment
Most applications are approved on the same business day, but they may take longer. Your repayments and any other charges will then be taken from your nominated account on the schedule you choose.
Afterpay
Afterpay offers smaller loans up to $4,000 to help cover partial All-on-4® costs or related costs, such as extractions. There are no extra charges and repayments are interest free, as long as you keep up with your repayment schedule.
• Loan amounts from $100–$4,000
• Interest free when repayments are met
• No upfront fees, unless repayments are missed
How to apply
You can apply for a dental loan through Afterpay using their dedicated app. When you attend your All-on-4® appointment at our dental clinic and receive your bill for treatment, you can simply tap on the app and hold your phone to our reader to pay your first instalment. You will then need to make the other three scheduled repayments according to the agreed terms, with no interest or fees when you don’t miss or delay your payments.
Pretty Penny Finance
Pretty Penny Finance offers loans up to $80,000 with flexible repayment terms up to 7 years, depending on the loan amount.
• Loan amounts from $5,000–$80,000
• Flexible terms from 1–7 years
• Fortnightly or monthly repayments
• No early repayment fees
• Same day approval
How to apply
You can apply for a Pretty Penny Finance loan online, then a real person will call you to confirm and finalise your application. If approved, you’ll receive an obligation-free quote with a personalised interest rate and repayment schedule based on your credit score. If you’re happy with the terms, your funds will be sent to your account or direct to the dental clinic, usually on the same business day.
What other support is available?
Depending on your situation, you could also be eligible for other financial support from health insurance, government support schemes or other means to help cover some of your All-on-4® treatment or related costs. Contact our team to find out what you’re eligible to claim.
How much does All-on-4® cost?
Our All-on-4® prices at Perth Dental Implant Centre start from $21,000 for one arch or $40,000 for both arches of replacement teeth. We can provide a detailed treatment plan and quote estimate after our dentist assesses your suitability for All-on-4® treatment.
Inclusive costs
Our All-on-4® price includes:
• Four Nobel Biocare dental implants placed using the All-on-4® trademark protocol
• Four titanium abutments
• Titanium-reinforced high impact acrylic bridge
• Clinical radiographs
• 6 months of follow-up appointments
• 5-year warranty on implants and titanium bar and 2-year warranty on acrylic teeth
Other cost cosiderations
There are additional fees for:
• Treatment consultation from $73
• 3D CBCT bone scan from $226
• Hospital and anaesthetist fees (if having treatment under sedation and/or in hospital)
• Repairs and replacements as needed (Bridge replacement ranges from $5,500 to $10,000)
Find out more about All-on-4® finance in Perth
To learn more about any of our finance options, contact our team at Perth Dental Implant Centre today. Call now on 1300 108 133 or send us an enquiry.
The total cost of All-on-4® dental implants includes the cost of the implants themselves, implant surgery, initial and subsequent sets of replacement teeth, diagnostics, and any additional services provided, such as dental sedation. There are also ongoing maintenance and repair costs to consider. How long an All-on-4® bridge lasts depends on the bridge material and your oral hygiene, biting forces and lifestyle factors.
This information is for educational purposes only and is not financial advice.
