July 2nd, 2025orthodontic treatment loan
Simple Step-By-Step on Applying for an Orthodontic Treatment Loan
A beautiful smile isn't just about aesthetics --- it can boost confidence, enhance social interactions, and even contribute to better oral health. However, orthodontic treatments such as braces, aligners, or jaw corrections often come with a hefty price tag, which can be a barrier for many Australians. This is where an orthodontic treatment loan from TLC (Total Lifestyle Credit) can make all the difference.

At TLC, we understand that dental health is essential, and we're committed to providing stress-free financing solutions so you don't have to delay your treatment. Whether you're planning braces for your child or considering clear aligners for yourself, TLC is here to help you smile sooner with affordable, tailored payment plans.
This guide will walk you through a simple step-by-step process on how to apply for an orthodontic treatment loan, what documents you'll need, and the benefits of choosing TLC.
Why You Might Need an Orthodontic Treatment Loan
Orthodontics is a specialised branch of dentistry focused on diagnosing, preventing, and correcting misaligned teeth and jaws. Common treatments include:
Metal braces
Ceramic braces
Clear aligners like Invisalign
Retainers
Jaw alignment procedures
These treatments often span months or years, requiring ongoing appointments and adjustments. While the results are life-changing, the cost can range anywhere from $3,000 to $12,000 or more, depending on the complexity and duration of treatment.
Instead of delaying your care due to budget concerns, applying for an orthodontic treatment loan can help you spread the cost over manageable monthly payments, removing the financial strain.
Step-by-Step: How to Apply for an Orthodontic Treatment Loan with TLC
We've simplified the financing process so that you can focus on what matters most --- your health and confidence. Here's a clear breakdown of how to apply for your orthodontic loan with TLC.
Step 1: Gather Required Documentation
To begin the process, you'll need to provide some basic documents to verify your identity, income, and financial situation. These include:
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Recent payslips
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Australian passport or proof of age card
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Medicare card
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Loan statements (if applicable)
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90 days of bank statements
📌If you**'**re self-employed, you will need to provide your latest Notice of Assessment (NOA). Alternatively, TLC can accept a Letter from your Accountant under certain conditions. Contact our team to discuss your eligibility.
Step 2: Apply Online or Over the Phone
There are two convenient ways to apply:
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Online Application: Visit www.tlc.com.au and click on "Apply Now" to start your secure online application.
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Phone Application: Prefer to speak with a specialist? Call TLC on 1300 045 047 and complete your application over the phone with the help of our friendly team.
We've made the process simple, fast, and secure so that you can get started without delays.
Step 3: Get Approved
Once you've submitted your documents, our dedicated team will review your application and usually get back to you within 24 to 48 hours with an approval decision.
We'll talk you through:
Loan terms
Interest rates
Repayment options
Total amount borrowed
Monthly repayments
This personalised service ensures that your orthodontic treatment loan suits your financial situation and lifestyle.
Step 4: Settle and Receive Funds
You can choose to sign your agreement electronically or in person, depending on your preference. Once approved, funds can be:
Transferred to your nominated account, or
Paid directly to your orthodontist or dental provider
It's that easy. At TLC, we manage the entire process so you don't have to worry about chasing paperwork or providers.
Why Choose TLC for Your Orthodontic Treatment Loan?
Since 2004, TLC has been helping Australians access the medical, dental, lifestyle, and even wedding services they need --- with flexible finance solutions. Here's why TLC stands out:
✅Fast, Flexible Funding
TLC offers funding options from $2,001 up to $50,000, giving you the freedom to fund minor or extensive orthodontic work.
✅Customised Repayment Plans
Choose a repayment schedule that works for you --- weekly, fortnightly, or monthly --- so your budget stays on track.
✅Personalised Customer Service
From application to settlement, the TLC team handles the entire process. We provide clear, jargon-free support every step of the way.
✅Transparent, No Hidden Fees
We believe in financial clarity. You'll receive a complete breakdown of costs upfront, with no hidden charges.
What Can an Orthodontic Treatment Loan Cover?
Your TLC loan can be used for a variety of services, including:
Metal and ceramic braces
Clear aligners (e.g., Invisalign)
Initial consultations and diagnostics
Retainers and aftercare
Jaw correction surgeries
Follow-up visits and adjustments
No matter your treatment plan, TLC can help fund it from start to finish.
Tips to Maximise Your Orthodontic Loan
Before committing to any loan, keep these key tips in mind:
✔Compare Treatment Quotes
Shop around and get quotes from at least two orthodontists to ensure you're receiving quality care at a fair price.
✔Choose an Accredited Provider
Make sure your orthodontist is registered with the Australian Dental Association and has experience in the specific treatment you need.
✔Review Loan Terms Carefully
Before signing, understand all the loan terms, including interest rates, repayment amounts, and duration.
✔Ask About Early Repayment
TLC allows early repayments with no penalties, so consider paying off your loan sooner if your budget allows.
Frequently Asked Questions
Q: Can I use the orthodontic treatment loan for my child?
Yes! You can apply for a TLC loan on behalf of a dependent to fund their
orthodontic treatment.
Q: How long does it take to get approved?
Most applicants are approved within 24 to 48 hours, provided
documentation is complete.
Q: Is the application secure?
Absolutely. All TLC applications are encrypted and follow strict data
protection standards.
Q: Will this affect my credit score?
A standard credit check is performed, as with any loan, but maintaining
consistent payments can help build or maintain a healthy credit score.
Conclusion: Start Your Smile Journey Today with TLC
A confident smile is priceless --- and now, thanks to TLC's orthodontic treatment loan, it's also affordable. Whether you're straightening your teeth for health reasons or improving your smile for confidence, TLC has your back.
We make it easy to apply, fast to get approved, and stress-free to manage your repayments. With over 20 years of experience, our team is here to support your orthodontic journey from start to finish.
Ready to Apply?
✅Apply Online at www.tlc.com.au 📞Call Us on 1300 045 047
Let TLC help you finance the perfect smile --- because everyone deserves a little tender loving care.