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Plan Zero®

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All On 4 Plus® Treatment

Plan Zero®

PlanZERO® is a payment program designed to help patients finance dental treatment at participating clinics. It involves an agreement between the patient and the clinic, secured by a residential property to ensure repayment.

What is PlanZero® Secured Finance?

PlanZERO® is a payment program designed to help patients cover the cost of dental treatment at participating clinics. It involves a contract between the patient and the clinic, secured by a residential property to guarantee repayment. Unlike traditional financial institutions, PlanZERO® charges no interest, and since it's managed directly by the clinic, repayment terms are more flexible.

This program is ideal for patients who can manage regular payments but want to reduce the immediate financial burden of dental treatment. PlanZERO® allows patients to complete their entire treatment in one go, which often leads to better outcomes and avoids the delays or compromises of addressing issues one step at a time.

Subject to approval and Terms and Conditions

All-On-4 Plus

The best way to learn about the All-On-4 Plus® treatment is by watching our product information video.

PlanZERO® offers a no-cost, interest-free financing option that is popular among patients with equity in a residential property to use as security. Key details include:

Eligibility Criteria –

Designed for patients with a residential property available for security

Loan Amount –

Borrow up to 50% of the total dental treatment cost (excluding anaesthesia)

Secured Loan –

A charge is placed on the property until the loan is fully repaid

Repayment Minimum –

Minimum monthly repayment of $750

Loan Term –

Maximum loan term of 3 years

Interest-Free –

Completely interest-free with no hidden fees

Payment Obligation –

Requires timely repayments

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planZERO™

Payment Tool

PlanZERO® offers a no-cost, interest-free financing option find out if your eligible today.

Frequently Asked Questions

It's completely natural to have questions and we believe informed patients make confident decisions. That's why we've put together this handy FAQ—to help you better understand what to expect, and how we support you every step of the way.

What amount can I borrow on a PlanZERO® Repayment Plan?

You can put as much as 50% of the value of your dental treatment only on the repayment plan, excluding the cost of the anaesthetic (if done under a General Anaesthetic).

I don’t own a residential property, can I use PlanZERO®?

The quick answer is no, the repayment plan must be secured by a residential property. However, the property does not have to be specifically in the patient’s name. It is not uncommon to have a trusted partner or close relative who does own a property and who is happy to use their property as security. There are two simple documents, the security document (signed by all owners of the property who appear on the title) and the repayments document (signed by the patient).

What happens to the security property once the documents are signed?

Once all the forms are signed, the member clinic will lodge a charge against the property which will remain until the amount owing is fully repaid. Once the debt is repaid the charge will be removed. While there is a charge on the property, it cannot be sold without consent from the clinic, unless the debt is repaid and the charge is removed.

planZERO™ Enquiry Form

What Happens Next?

Once you've submitted your enquiry, here's what to expect:

  1. Initial Contact

    A Treatment Coordinator will reach out to you to discuss your enquiry and provide more information about the Plan Zero process.

  2. Information Gathering

    During this stage, the coordinator will collect key details, including:

    • Security property address
    • Estimated property value
    • Current home loan balance (if applicable)
    • Names and addresses of all owners (exactly as they appear on the title)

  3. Required Documentation

    You'll be guided through the required documents, which typically include:

    • Rates notices showing the property's value
    • Loan statements confirming the current balance (if there is a loan)
    • Copies of driver's licenses and passports for all owners
    • A statutory declaration if there are any name discrepancies between documents and the property title

  4. Next Steps

    Once all relevant details are gathered, we'll outline the next steps and guide you through the Plan Zero process. If you have any questions along the way, our team will be here to assist you.

TLC Dental Payment Plans

TLC provides tailored payment plans for medical, dental, and lifestyle needs, ensuring a simple, hassle-free financing experience.

Access My Super

Access My Super can help you with the early release of superannuation to cover the cost of a variety of dental treatments including orthodontics, implants, crowns, braces and many more.

Losing your teeth is hard getting help doesn't need to be.

Talk with your local provider today

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Disclaimer

The information contained in this webpage is general in nature and has been provided in good faith, without taking into account your personal circumstances. While all reasonable care has been taken to ensure that the information is accurate and opinions fair and reasonable, nothing is to be construed as any kindof warrantee. Your suitability for any treatment is subject to full assessment by a qualified professional. All cosmetic and surgical procedures carry risks. Before proceeding you should seek a second opinion from an appropriately qualified health practitioner. The dental, medical, cosmetic and beauty professionals employed by All On 4 Plus Pty Ltd (ACN 164844428) and its network of clinics and licensees trading as All On 4 Clinic, All-On-4 Plus® Premium Provider and All-On-4 Plus® Affiliates are trained, registered and fully qualified to provide second opinions and undertake treatments within their respective scope of practice. The use of the information contained on this page isgoverned by Australian law and is subject to the Terms and Conditions which can be read by clicking here. View the ALL ON 4 PLUS® Pty Ltd Privacy Policy by clicking here.