humm payment plans at Magical Smiles Point Cook

How it works

humm assesses an application using the personal, income and expense details you provide, and tells you the outcome before you commit. Approved plans are repaid fortnightly or monthly over a term set by humm, and repayments are deducted automatically from a bank account or debit card you nominate.

humm publishes plan terms of between 3 and 120 months, for amounts up to $50,000, depending on the plan you are approved for. No deposit is payable to the practice for treatment financed through humm.

Interest and fees

humm states that interest does not apply to its low cost credit contracts. humm does charge its own fees — an establishment or repeat-purchase fee, a monthly account fee, and a late payment fee if an instalment is missed.

The amounts that apply to you are set out in the loan schedule humm provides before you accept a plan. Check that schedule rather than relying on this page.

Important information

• Payment plan approved applicants only; fees, terms, conditions, minimum amounts and exclusions apply.
• Approval is not automatic and is decided by humm under its own eligibility criteria.
• Magical Smiles does not make humm approval decisions and does not manage humm accounts.
• Treatment is recommended only after a clinical assessment; the availability of a payment plan does not determine whether treatment is appropriate.

Before you decide

Read humm's current terms and think about whether the repayments suit your budget. Fees vary according to individual needs and the treatment provided. Ask the practice for a personalised written quote before deciding.

For smaller amounts, Afterpay splits the cost into four payments; check its terms too. To see what fortnightly repayments might look like, try the budget calculator, or compare every option in our payment options overview.

Claim your health fund benefit first so you only finance the gap. If you are thinking about early release of super, our SuperCare page explains that separate process and its limits.

Credit is provided by humm BNPL Pty Ltd ACN 129 228 986, Credit Representative Number 569986 of Once Credit Pty Limited ACN 112 319 632, Australian Credit Licence 386 194.