Dental Payment Plans, Canning Vale
Dentists @ Canning Vale participates in the National Dental Plan (NDP). Spread the cost of dental treatment over time with Zip Money and humm payment plan options, and still use your health fund where applicable.
Is Dentists @ Canning Vale a National Dental Plan Provider?
Yes. Dentists @ Canning Vale participates in the National Dental Plan (NDP), which works with finance providers including Zip Money and humm to offer dental payment plan options for patients. This can help spread the cost of dental treatment over time, making it more manageable for patients who need significant or multiple procedures.
What Is National Dental Plan?
National Dental Plan, also known as NDP, is not a health fund or dental insurance. Instead, it is a program that connects dental practices with third-party finance providers to give patients access to payment plan options for dental treatment. NDP works with finance providers including Zip Money and humm, both of which offer credit-based payment arrangements.
Using a dental payment plan through NDP means you can access treatment now and pay for it in instalments over an agreed period, subject to the finance provider’s approval, credit assessment, terms and conditions.
How Dental Payment Plans Work
If you are interested in a payment plan for dental treatment at Dentists @ Canning Vale, our team can provide information on the NDP options available. Applications for finance are managed directly by the finance provider, either Zip Money or humm, not by our clinic. Finance approval, credit limits, fees, interest rates, repayment terms and conditions are all determined by the finance provider based on your individual circumstances.
We recommend reading the relevant product disclosure documents and terms carefully before applying for any finance product. Dental payment plans are a financial product and carry the same considerations as any credit arrangement.
Zip Money and humm, What to Know
Both Zip Money and humm are established Australian consumer finance providers. They offer interest-free periods and instalment-based payment options, subject to their standard approval processes and terms. Specific rates, fees, credit limits and repayment options vary between products and individual applicants. Dentists @ Canning Vale does not set or determine the terms of any finance product offered through NDP, all finance-related queries should be directed to the relevant finance provider.
Is a Payment Plan Right for You?
Dental payment plans can be a helpful option for patients who need significant restorative work, multiple procedures or treatments such as dental implants, orthodontics or full-mouth rehabilitation where upfront costs may be substantial. Payment plans are separate to private health insurance, if you hold health fund extras cover, your insurance benefit may still apply to eligible treatment, and a payment plan could be used to cover any remaining gap.
Other Payment Options at Our Clinic
In addition to NDP payment plans, Dentists @ Canning Vale offers HICAPS on-the-spot claiming for eligible health fund members. We are a preferred provider for BUPA Members First Platinum, Medibank Members’ Choice Advantage, HCF More For Teeth, HBF Member Plus, NIB First Choice and CBHS Choice Network. View all accepted health funds and providers.
Frequently Asked Questions
Is Dentists @ Canning Vale a National Dental Plan provider?
Yes. We work with NDP and can offer eligible patients access to Zip Money and humm dental payment plan options.
What is National Dental Plan?
National Dental Plan (NDP) is a dental finance program that connects dental practices with third-party finance providers including Zip Money and humm. It is not a health fund or insurance product.
How do I apply for a dental payment plan at your clinic?
Speak to our team when you book or at your appointment. We can explain the NDP options available and provide information on the finance providers. Applications are made directly to the finance provider, Zip Money or humm, not to our clinic.
Are the payment plans interest-free?
Interest-free periods and repayment terms depend on the specific finance product (Zip Money or humm) and the plan selected. Check directly with the relevant finance provider for current rates, fees and terms before applying.
Can I use a payment plan alongside my private health insurance?
Yes. Your private health insurance benefit can typically still be applied to eligible treatment, and a payment plan can cover any remaining gap. Confirm how your fund’s benefit interacts with your treatment costs before arranging finance.
Does a payment plan affect my credit rating?
Finance products such as Zip Money and humm involve a credit assessment. How they affect your credit file depends on the finance provider’s processes and the product applied for. Review the relevant product terms with the finance provider before applying.
Discuss Your Payment Options
Contact Dentists @ Canning Vale when booking to ask about NDP payment plan options. We can explain what’s available and help you understand what suits your situation before treatment begins.
References & Further Reading
This page is based on current clinical literature and guidelines from recognised Australian and international dental and health authorities.
- Australian Dental Association. ada.org.au
- Dental Board of Australia (AHPRA). dentalboard.gov.au
- Australian Dental Association - Teeth.org.au Oral Health Advice. teeth.org.au
- Healthdirect Australia - Dental Care. healthdirect.gov.au
- Cochrane Oral Health Group - Systematic Reviews. cochranelibrary.com
Content reviewed by Dr Desmond Ng, BDSc (Hons) University of Queensland | Principal Dentist, Dentists at Canning Vale. Last reviewed July 2026.