Finance
All-on-4 finance Australia 2026: payment plans for full arch implants and the abroad alternative
How Australian All-on-4 finance works, monthly payment tables for one and two arches, and a direct cost comparison with Picasso Dental Clinic Vietnam.
Australian private All-on-4 costs AUD 28,000–AUD 45,000 per arch. Most practices offer 0% finance for 12–24 months, meaning monthly payments of AUD 1,167–AUD 1,875 per arch for 24 months. Patients planning two arches face AUD 56,000–AUD 90,000. Picasso Dental Clinic Vietnam charges from AUD 7,068 (Osstem) to AUD 12,436 (Nobel Biocare) per arch — a dual-arch Nobel Biocare case at Picasso is less than most single-arch Australian finance plans.
Monthly payment comparison — Australian finance vs Vietnam all-in
| Scenario | AU private total (AUD) | 0% finance 24 months (AUD/month) | Picasso Vietnam all-in (AUD) |
|---|---|---|---|
| 1 arch — Osstem | AUD 28,000 – AUD 35,000 | AUD 1,167 – AUD 1,458 | AUD 10,368 – AUD 12,068 |
| 1 arch — Nobel/Straumann | AUD 35,000 – AUD 45,000 | AUD 1,458 – AUD 1,875 | AUD 15,736 – AUD 17,836 |
| 2 arches — Osstem | AUD 56,000 – AUD 70,000 | AUD 2,333 – AUD 2,917 | AUD 17,436 – AUD 21,136 |
| 2 arches — Nobel/Straumann | AUD 70,000 – AUD 90,000 | AUD 2,917 – AUD 3,750 | AUD 28,172 – AUD 32,272 |
Vietnam all-in estimate: Picasso arch price + return economy SYD–HCMC AUD 900–1,400 + 21 days accommodation AUD 3,000–5,000.
The financial case for Vietnam
A dual-arch Osstem All-on-4 at Picasso:
- Treatment: AUD 14,136
- Flights: AUD 1,000 (return SYD–HCMC)
- Accommodation 21 days: AUD 3,500
- Total: approximately AUD 18,636
Same case at an Australian private practice: AUD 56,000–AUD 70,000.
The saving is AUD 37,000–AUD 51,000 — enough for most patients to pay for their entire trip and have significant savings remaining.
Even at the Nobel Biocare tier:
- Picasso all-in: approximately AUD 28,000–AUD 30,000
- Australian private Nobel/Straumann dual arch: AUD 70,000–AUD 90,000
- Saving: AUD 40,000–AUD 62,000
Prosthetic bridge options
The implant fixture price does not include the prosthetic bridge. Add:
| Bridge type | Per arch (AUD) |
|---|---|
| Acrylic full-arch bridge | AUD 2,826 |
| Titanium full-arch bar | AUD 3,956 |
| BioHPP full-arch bar | AUD 3,956 |
Most initial quotes are for the implant fixtures; bridge type is selected based on clinical assessment and budget.