A larger estimate can leave you wondering whether a loan makes sense. Pretty Penny Finance is a separate step from your dental care. We explain the plan and the estimate. The lender or credit provider decides whether to approve you, and on what terms, so read the provider’s documents before sharing any financial details.
Applying through Pretty Penny is separate from your dentist’s treatment decision. First work out what care is proposed, what your fund might pay and what’s left. Then decide whether an outside loan belongs in the picture at all.
Three parties are involved. We explain the dental care and the estimate. Pretty Penny can provide credit assistance and put your application together. The lender or credit provider decides whether to approve credit, and on what written terms.
The regular repayment is only one part of a credit decision. Read the provider’s current documents, find every cost, and check the approved amount still matches our estimate before you accept anything.
Your dentist explains the proposed care, the likely visits and the choices that could change the amount, including what’s urgent and what could be staged.
Your health fund, item numbers, staged care and any current plan with us can all lower what you’d need to borrow.
Check who receives your documents, and prepare only the ID, income and bank or loan information the provider asks for.
Compare the interest, fees, how often you repay, the term and the total payable. A calculator figure or conditional response isn’t a final credit contract.
Before you accept, or book visits around the finance, make sure the approved amount still matches our estimate. Take any change to the provider, and leave the clinical decision with your dentist.
Each of these could mean borrowing less, or not borrowing at all.
Pretty Penny can help with a finance application. We provide the examination and the treatment estimate. The lender or credit provider makes the final credit offer and decides on approval.
Before applying, read the provider’s current credit guide and its representative and licence disclosure. Get our estimate first, then apply through the provider’s own channel. We’re not the lender, and we’re not financial advisers.
Usually ID, income information and recent payslips. If you’re self-employed, financial statements and tax returns, and the provider or lender can also ask for bank or loan statements. Requirements change, so treat this as a list to prepare from, not a promise of exactly what you’ll need.
Apply through the provider’s channel, read its privacy information and give complete, accurate details. Please don’t send bank statements or income documents to us unless we’ve given you a current, privacy-approved process that explains why we need them and who can see them.
The lender or credit provider, after checking the documents it needs. Pretty Penny can help with the application. We don’t set the lender’s eligibility rules, interest, fees or decision, and a calculator figure, an enquiry response or a conditional outcome isn’t a signed loan contract.
The provider can tell you what stage you’re at, which documents are still being reviewed and when the written credit proposal will be ready. Hold that proposal up against our current estimate before you accept it or book treatment around it.
We can’t promise any rate or repayment. Ask the provider for its current credit guide and written proposal, then compare the interest rate, any comparison rate, assistance or lender fees, how often you repay, the term, missed-payment terms and the total payable. A lower regular payment can still cost more over a longer term or with added fees.
Look in the written disclosure for any credit-assistance fee, lender fee, commission, volume payment or referral consideration, and don’t assume there are no charges. Compare the full written cost before deciding whether the loan fits your budget.
No. An online repayment figure is an estimate, not a finance offer. Actual repayments can change with your circumstances, the amount, the term, fees and charges, and a conditional response can still hinge on document checks or the lender’s own checks. Please don’t book treatment or commit to a repayment because a calculator shows a number you can manage.
Use the calculator to shape your questions, nothing more. Ask the provider for the written proposal and final credit documents, compare the total payable, and make sure the approved amount still matches our estimate before you accept.
We’ll give you an updated estimate, and Pretty Penny or the lender can tell you whether the approved amount, repayments, documents or loan terms need to change. Don’t assume an earlier application or approval covers a different plan, a higher amount or an extra stage. The lender’s decision never replaces your dentist’s view of what care you need.
Keep the current estimate, approved amount and signed documents together. Before you accept revised finance or book around it, we’ll explain the clinical change, and the provider can confirm the financial effect in writing.
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