Payment Options

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We offer a full comprehensive exam and always inform you of the cost prior to beginning a treatment. It is our goal to provide you with the care you need and desire, without letting the expense prevent it.

  • Full payment is required at the end of each visit.
  • We accept cash
  • We accept most dental private health insurance
  • We accept Eftpos, Visa, MasterCard and American Express
  • We offer financing through GEM Visa and Care credit (read more), Denticare (read more),
  • We accept Dentacare membership
  • We are preferred providers of HCF and CBHS
  • We accept Child Dental Benefit Schedule (

At Malvern Family Dental, we feel that limiting the options available to you to restore your health (dental and otherwise) based on dental or Health insurance coverage is the wrong thing to do. We value the Doctor-Patient relationship in the old-fashion sense: We are committed to providing you with all of the information, options, and guidance you need to make the best decision for you and your health.

We feel our relationship is with you and you alone. You, your health, and your satisfaction with the services we provide are all that matter. At Malvern Family Dental we can help you with payment plans that allow you to afford truly excellent dentistry. Our financing arrangements can allow you to pay off the cost of procedures anywhere from 3 months to 24 months — with convenient, low monthly payments!


  • No interest charges!
  • No credit contracts / no credit check
  • Weekly, Fortnightly or Monthly payments
  • Can make Extra Payment anytime / Payout anytime


  • Choice of interest-free or extended period payment plans
  • The patient gets 6 months interest-free
  • No monthly account keeping fee – just an annual fee of $99
  • A patient can use GEM Visa card elsewhere – it is a Visa Card
  • The patient can continue having additional treatments – providing they have the credit available on the card




HCF’s “More for Teeth” program is here to help you maintain great oral health. Available to all HCF members with Extras cover, it includes two fully covered check-ups and cleans each year when you visit us atMalvern Family Dental, More for Teeth also covers you for x-rays and mouthguards.


If you have CBHS dental insurance, you will get the maximum rebate on your preventative dental treatments including routine dental check-up, dental X-rays, scale and clean, and mouthguards, twice a year. We are part of the CBHS Dental Choice Network, which means that provided you have CBHS dental cover, there is minimal or no gap charge for your preventative treatment.

We welcome all Australian health fund providers. For your convenience, we have a Hicaps facility which minimises the out of pocket expenses on the spot for you.

All it takes is a swipe of your health insurance membership card on our HICAPS terminal in the end of your dental appointment. This will automatically calculate and pay the maximum rebate from your private health fund and then you simply pay the difference


The CDBS provides eligible children with benefits for basic dental services, capped at $1,000 over two consecutive calendar years. A child is eligible for the CDBS if he or she is aged between 2–17 years for at least one day of the calendar year

Services that receive a benefit under the CDBS include examinations, x-rays, cleaning, fissure sealing, fillings, root canals, extractions, and partial dentures.

Want it

Create your account in moments and select
Zip at checkout

Get it

We pay the store,
you get the goods,
nothing to pay today

Own it

Choose how you pay
us back over time, up to
6 months interest free

The smarter way to pay for what you want today

Reusable account

We give you one account with one
monthly statement, no matter
how many times you shop

Interest free

Easy interest free terms.
No hidden fees or
upfront payments

Flexible payments

Choose repayments that suit your lifestyle – weekly, fortnightly
or monthly

We own easy

We make it easy for you to never pay interest again. Simply pay off your purchase before the interest free period ends, and you get to enjoy what you love even more.

Interest free. Easy as.

How do refunds work?

Start by speaking to the retailer – if they agree, they will process the refunded amount which will appear
back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount
refunded to your bank account instead. Or, simply use it for your next purchase.

What are the fees and interest?

Every Zip Money purchase comes with a minimum of 3 month interest free period with some retailers offering
up to 50 months interest free. After the interest free period, a standard interest rate of 19.9%
p.a. applies.

There may be a one-off set-up fee depending on your account limit, which we’ll add this to your balance so
there’s nothing to pay upfront. There’s a $6.00 monthly account fee, which is waived if your closing
balance is paid by the due date. No balance no fee.

Finally, we may charge a $15 late payment fee if you don’t meet the monthly minimum, and a $5 bank dishonour
fee if your scheduled payment was rejected or dishonoured by your bank. That’s it.

Am I eligible for Zip Money?

To be eligible to apply for a Zip Money account, you need to:

  • Be an Australian citizen or permanent resident
  • Be at least 18 years of age
  • Be employed in some capacity, earning more than $300 per week
  • Have not declared bankruptcy or insolvency

We’ll then apply our lending criteria to each application.

How do repayments work?

Repayments start from just $40 a month and are based on your account’s credit limit. Simply choose from weekly,
fortnightly or monthly, and pay any amount you like as long as you meet the monthly minimum for your account
(outlined in your contract).

Every Zip Money purchase comes with an interest free period. Pay off your purchase within this period and
you won’t pay any interest. After this period, a standard interest rate of 19.9% will apply to
any remaining balance.

You can also make additional payments at any time, and there are no penalties for paying off your purchase
early. Finally, if there’s nothing owing on your account, there’s nothing to pay and no fees. Your account
simply remains active until you’re ready to make a purchase.

How does it work?

Apply and get a decision in minutes. Once approved, start shopping online and instore, anywhere you see Zip
at checkout. That’s it – the items are all yours, with nothing to pay today. Simply pay over time with great
interest free terms on every purchase.

What is Zip Money?

Zip Money is a reusable account that lets you buy now and pay later. Shop online and instore up to your account
limit, then set flexible repayments to suit your lifestyle. There’s no deposit and every purchase comes with
it’s own interest free period.

More FAQs

Zip is an Australian ASX listed company.