Finance
Smile makeover finance Australia 2026: payment plans for veneers, whitening, and composite bonding
How Australian smile makeover finance works, monthly cost tables for different makeover scales, and a direct comparison with the all-in cost of a smile makeover at Picasso Dental Clinic Vietnam.
An Australian smile makeover — typically 6–10 Emax veneers, whitening, and gum contouring — costs AUD 11,700–AUD 30,000 or more privately. Finance is available at most cosmetic practices with 0% terms for up to 24 months. Monthly payments of AUD 488–AUD 1,250 are common for a full case. Picasso Dental Clinic Vietnam delivers a comparable result for AUD 6,500–AUD 11,500 total, including the trip.
Monthly payment comparison — Australian finance vs Vietnam all-in
| Makeover scenario | AU private total (AUD) | 0% 24 months (AUD/month) | Picasso Vietnam all-in (AUD) |
|---|---|---|---|
| 6 Emax veneers + whitening | AUD 9,500 – AUD 16,200 | AUD 396 – AUD 675 | AUD 7,300 – AUD 8,500 |
| 8 Emax veneers + whitening + mock-up | AUD 12,700 – AUD 21,500 | AUD 529 – AUD 896 | AUD 8,500 – AUD 9,700 |
| 10 Emax veneers + whitening + mock-up | AUD 15,900 – AUD 26,700 | AUD 663 – AUD 1,113 | AUD 9,700 – AUD 11,200 |
| 10 veneers + gum contouring + whitening | AUD 17,000 – AUD 28,500 | AUD 708 – AUD 1,188 | AUD 10,200 – AUD 11,700 |
Vietnam all-in estimate: Picasso treatment + return economy SYD–HCMC AUD 800–1,200 + 10–12 nights accommodation AUD 1,400–2,000.
What the Australian figure includes
For a fair comparison, the Australian private total should include:
- Per-tooth veneer or crown fee
- Whitening (separately charged at most AU practices)
- Mock-up / design fee (AUD 500–1,500 at many AU practices)
- Any bite adjustment or night guard
Many Australian quotes do not include all components in the headline per-tooth number. Request a fully itemised quote for direct comparison.
The interest risk
If you finance AUD 15,000 at 0% for 24 months and clear the balance on time: you pay AUD 15,000.
If you do not clear the balance and the provider applies 22% APR on the remaining AUD 7,500 (half the balance): you pay approximately AUD 9,150 — AUD 1,650 in interest on the portion not cleared.
This is not a reason to avoid finance if you have the cash flow to manage it. It is a reason to read the contract carefully and plan the repayment schedule before signing.