Total Lifestyle Credit Dental Payment Plans
At UC Dental, we understand that cost can sometimes delay important dental care. That is why we offer payment plans through Total Lifestyle Credit (TLC), helping you access the treatment you need now and pay it off over time.
With flexible repayment options, competitive interest rates, and no upfront fees, TLC makes it easier to prioritise your oral health without financial stress. TLC payment plans are designed to suit a wide range of financial situations, making dental treatment more accessible for more patients.
How Total Lifestyle Credit works
Apply Online
Apply online using the secure TLC application form
Assessment
TLC will assess your application and discuss repayment options
Book Treatment
Once approved, you can proceed with your dental treatment
Flexible Repayments
Repay your treatment through manageable instalments
What’s covered with TLC?
Under Total Lifestyle Credit, a wide array of dental treatments are typically covered, including:
- Orthodontics: Braces or Invisalign for correcting misalignment.
- Dental Implants: Restoration of missing teeth for improved function.
- Cosmetic Dentistry: Procedures like whitening, veneers, or bonding.
- Restorative Dentistry: Treatments such as crowns, bridges, or dentures.
- Oral Surgery: Including wisdom teeth removal or gum grafting.
It can also cover associated medical and cosmetic fees where applicable.
Why Patients Choose TLC
A payment plan with Total Lifestyle Credit can make it easier to manage the cost of your dental treatment, allowing you to move ahead with care when you need it. Below are some of the key benefits of choosing TLC.
- Start Treatment Sooner:
Many patients delay treatment due to cost. TLC allows you to move forward now, helping prevent dental problems from worsening. - Flexible Repayments:
Payment options are structured to suit your budget. - No Upfront Costs:
You can begin treatment without paying large upfront fees.
Who Can Apply?
TLC considers patients from many different financial backgrounds, including:
- Full-time and part-time workers
- Casual employees (minimum 3 months employment)
- Centrelink recipients (including carers, disability, veterans, and single parents)
- Applicants with minor credit history issues
- Young applicants with limited credit history
- Parents or family members applying on behalf of someone
Approval is subject to TLC’s lending criteria.
How Much Are Repayments?
Repayments will depend on your treatment cost and personal circumstances.
For example:
A $15,000 treatment may be approximately $95 per week*
This allows you to start your treatment sooner and spread the cost into manageable payments.
*Individual rates and repayments will vary based on your credit profile.
Is There An Upfront Cost?
No. TLC does not charge upfront fees. Your repayments cover the full cost of the plan.
CAN I PAY THE LOAN OF EARLY?
Yes. There are no early payout or exit fees.
HOW LONG DOES APPROVAL TAKE?
In many cases, applications are processed quickly. TLC will guide you through the process.
DOES EVERYONE GET THE SAME INTEREST RATE?
No. Interest rates are personalised based on your credit profile and circumstances.
WILL TLC DEAL DIRECTLY WITH ME?
Yes. TLC manages the application, approval, and repayment process directly with you.