Getting orthodontic work for yourself or your children can be a costly exercise – but a necessary one in order to gain the smile you’ve always wanted and boost your confidence!

Thankfully, there are many ways to go about financing these kinds of changes so that money issues don’t become an obstacle to you achieving a perfect smile.

Below are some answers to the questions we often get about financing your treatment, such as “do braces have payment plans” – and examples of the kinds of options that we offer to help you manage the cost of your investment.

Do you have to pay for braces upfront?

The short answer is no.  At ONiA we offer flexible payment plans as part of our service.

If you do choose to pay in full at the beginning, we offer an upfront discount. But opting for a payment plan means that you can get started with your braces or clear aligner treatment now, pay a deposit and address the remainder of the bill a bit later on. It’s a great way to manage your cashflow while still getting the specialist support you or your family needs.


Below are some of the types of payment plans offered by ONiA:

Payment plans

Our most popular payment plan is interest-free.

We will divide the overall cost of your treatment into a deposit plus regular instalments or direct debits across a period of time and payments can be spread across monthly, fortnightly intervals.

Whatever schedule you choose, you can rest assured that we will provide a comprehensive and all-inclusive quote up front, (i.e. including all appointments and appliances), so that you know exactly what you’re up for.

Third-party payment services

For certain treatments, we also offer payment via Denticare.  This service works by spreading out the cost of your treatment over a longer period with a reduced deposit.

These services, however, can also sometimes include credit checks, include additional third-party fees and have eligibility criteria, so it’s worth weighing up the pros and cons of making a direct plan with your specialist.

There is also the option of taking out health insurance

Many health insurers offer extras policies that cover a range of orthodontic treatments, and families can often save quite a bit of money this way.

However, most private healthcare agreements typically have a waiting period of 12 months or more for orthodontic care, so this would only be an option if you’re planning for treatment well in advance. For example, if your children are young and you’re planning to see one of our specialists at ONiA, adding orthodontics to your insurance policy now might be benefit you in the future.

Most people only opt for a healthcare plan if it also serves them in other areas of their life, as the monthly premiums can add up to more than the ultimate cost of your treatment. It’s important to talk to your insurer to understand your options first, and how much the rebate is likely to be.

Remember to understand your obligations

Although there is often no credit check involved in our payment plans, you still have a legal responsibility (i.e. often involving a financial contract) to meet your repayments and stick to the schedule as previously agreed. Like any loan or credit situation, missing a payment or paying your instalments after the due date might incur a late fee, or a delay in your treatment.

Interested in finding out more?

We may be able to offer a different set of payment options best suited to your treatment and needs. Always start by getting in touch with us and we will be happy to give personalised advice, explain our fees and available plans.

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3rd Floor, Bagot House
198 North Tce
Adelaide SA 5000

Ph: 08 8227 0336
Fax: 08 8227 1626