Smile Bright Dental

Payment Options

At Smile Bright Dental we offer payment options including cash, EFTPOS, Amex and most major credit cards. For your convenience, we have HICAPS for on-the-spot health fund claims, and CareCredit Interest Free* Finance. We also welcome all Veterans Affairs patients.


HICAPS – fast claims, on the spot!

The fast and convenient way to make a claim on your private health insurance is as easy as swiping a card.

HICAPS is an electronic, real time claims and payments system, offering members of participating health funds the convenience of automatic claims processing on the spot, in our practice.

Check with your health fund whether HICAPS is available on your policy, or contact our friendly staff for more information.


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Care Credit allows you to Smile Now and Pay for your Dentistry over time. It is quick and easy to apply.

Your dental health is an excellent investment in an individual's personal well being. We believe financial considerations should not be an obstacle to obtaining the treatment you deserve. As a service to our patients, we are pleased to offer GE Money CareCredit® patient finance plans. CareCredit® has a range of patient finance plans to meet your needs, including 6 & 12 months Interest Free. Use the payment calculator to get an estimate of your monthly repayments.


Interest Free*

  • 6 & 12 months Interest Free available
  • No interest if the balance is paid within the specified interest free period
  • Low minimum monthly payments (3% of the total closing account balance or $40, whichever is greater). Paying the minimum monthly repayment will not pay out the loan before the end of the interest free period
  • Annual percentage rate of 18.9% applies to the balance that is outstanding at the end of the interest free period
  • Ability to make additional repayments or payments greater than the requested 3% minimum during the Interest Free promotional period without any penalties

Extended Payment*

  • Choice of 24, 36 and 48 month Extended Payment Plans
  • Annual percentage rate of 12.9%
  • Easy to budget - equal monthly repayments over 24, 36 and 48 months

Fees & Charges (Interest Free and Extended Payment Plans)

  • A once only establishment fee of $25 applies
  • If you do not have an active account balance on your card, then you will not be charged any other fees at all
  • When you do actively use your card and have an active balance, fees and charges will apply, including a monthly account service fee of $3.95
  • When you apply for CareCredit, you will be told about all the applicable fees and charges before you progress your application

Application Process

It's easy to apply in the practice and you'll receive a decision in seconds. Ask our staff for more details about our affordable dentistry or visit CareCredit at: www.carecredit.com.au

* Available to approved applicants, conditions apply, fees & charges payable. Interest is payable after any interest free period. CareCredit is a credit facility provided by GE Finance Australasia Pty Ltd (ABN 88 000 015 485) trading as GE Money.

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