Dental care should never have to wait because of cost. At MS Dental, we understand that unexpected dental expenses can put pressure on household budgets, which is why we offer Afterpay as one of our flexible payment options across our Cardiff, Fletcher, and Mayfield clinics. Whether you need a routine check-up or a more significant treatment, Afterpay allows you to get the care you need now and spread the cost over time.
What Is Afterpay and How Does It Work at the Dentist?
Afterpay is a buy now, pay later service that splits your payment into four equal fortnightly instalments. When you use Afterpay at MS Dental, you pay nothing upfront on the day of your appointment. Afterpay automatically deducts your repayments from your nominated account every two weeks.
The process is straightforward. You apply for an Afterpay account through the Afterpay website or app, get approved, and then simply present your Afterpay barcode or app at our reception desk when you check out. There are no interest charges when you pay on time, making it a genuinely interest-free way to manage your dental expenses.
Why Choose Afterpay for Dental Treatment in Newcastle?
The most common reason people delay dental treatment is cost. Whether you need a filling, crown, scale and clean, or a more involved procedure, dental costs can feel daunting. Unexpected expenses can make it even harder to manage the upfront cost of treatment.
Afterpay removes that barrier. Instead of paying the full amount on the day, you split it into four manageable fortnightly payments. This means you can address dental problems promptly rather than putting them off until they become more serious and more expensive to treat.
At MS Dental, we believe cost should never be the reason a patient avoids necessary dental care. Offering Afterpay is one of the practical ways we live that commitment out every day across our Newcastle clinics.
What Dental Treatments Can You Use Afterpay For at MS Dental?
Afterpay can cover a wide range of treatments at MS Dental, including:
General check-ups and cleans for patients without private health insurance or those with a gap to pay after claiming
Dental fillings for patients needing restorative work
Teeth whitening for patients wanting a cosmetic upgrade to their smile
Veneers and other cosmetic treatments
Dental crowns and bridges for restorative work
Root canal treatment when saving a tooth is the priority
Wisdom tooth extractions when removal is necessary
Dental implants for patients seeking a permanent tooth replacement solution
If you are unsure whether Afterpay covers your specific treatment, our reception team can discuss this with you before your appointment.
Is Afterpay Interest Free?
Yes, Afterpay is interest free when you make your repayments on time. Your total treatment cost is divided into four equal fortnightly payments with no added interest. Late payment fees may apply if a scheduled payment is missed, so it is important to ensure your nominated account has sufficient funds on each repayment date.
For more information on Afterpay’s terms and conditions, visit the Afterpay website.
Afterpay vs Other Payment Plans at MS Dental
MS Dental offers several payment options to suit different budgets and treatment needs. Here is a quick overview to help you decide which option works best for your situation.
Afterpay is ideal for shorter term repayments across four fortnightly instalments. It works best for smaller to mid-range treatment costs and is available instantly if you already have an Afterpay account.
The Denticare Payment Plan is better suited to larger treatment costs that need to be spread over a longer period, with flexible repayment terms available.
The National Dental Plan is Australia’s only no-interest-ever dental payment plan, allowing patients to borrow up to $12,000 for their dental treatment with repayments spread over up to 24 months and monthly fees capped at $8.
Our reception team can help you compare these options and choose the one that best suits your financial situation and treatment needs.
Combining Afterpay With Private Health Insurance
If you have private health insurance with dental extras, you can use Afterpay to cover the gap after your health fund benefit has been applied. This means you claim your health fund rebate on the day through our HICAPS terminal, and then use Afterpay to split your remaining out-of-pocket cost into four fortnightly instalments.
This combination can make even significant dental treatments very manageable from a cash flow perspective. Our reception team will walk you through the process at your appointment to ensure it is as smooth as possible.
How to Use Afterpay at MS Dental
Using Afterpay at MS Dental is simple. Here is what to do:
Download the Afterpay app from the App Store or Google Play and create an account if you do not already have one. Afterpay approval is typically instant for eligible applicants.
Book your appointment at MS Dental by calling your preferred clinic or visiting www.msdental.com.au.
Attend your appointment and receive your treatment as normal.
At checkout, let our reception team know you would like to pay with Afterpay. Present your Afterpay barcode or in-store code and your payment will be split into four fortnightly instalments automatically.
You make your first payment at the time of purchase. Afterpay automatically deducts the remaining three payments every two weeks.
Three Convenient Locations Across Newcastle
MS Dental operates across three clinics in the Newcastle region, making it easy to find an Afterpay dentist near you.
Cardiff Clinic
20 Newcastle Street, Cardiff NSW 2285
Monday to Friday: 9:00 AM to 5:30 PM | Saturday: 9:00 AM to 4:00 PM
📞 (02) 4954 7722
📧 [email protected]
Fletcher Clinic
9 Churnwood Drive, Fletcher NSW 2287
Monday to Friday: 9:00 AM to 5:30 PM | Every second Saturday: 9:00 AM to 2:00 PM
📞 (02) 4953 8614
📧 [email protected]
Mayfield Clinic
181 Maitland Road, Mayfield NSW 2304
Monday to Friday: 9:00 AM to 5:30 PM
📞 (02) 4023 3885
📧 [email protected]
Book Your Appointment at MS Dental Newcastle Today
Do not let cost be the reason you put off dental care. With Afterpay available at all three MS Dental clinics across Newcastle, you can get the treatment you need now and manage the cost comfortably over time.
New patients are always welcome and our friendly reception team is happy to answer any questions about payment options before you book.
📅 Book your appointment today:
🌐 www.msdental.com.au
📞 Cardiff: (02) 4954 7722 | Fletcher: (02) 4953 8614 | Mayfield: (02) 4023 3885
Great dental care should be accessible to everyone. At MS Dental, we make sure it is.
