Finance
Veneer finance Australia 2026: payment plans, monthly costs, and the abroad comparison
How Australian veneer finance works, monthly payment tables for 4–10 Emax veneers, the interest risk after the 0% period, and a direct cost comparison with Picasso Dental Clinic Vietnam.
Australian private veneers cost AUD 1,500–AUD 2,500 per tooth. For 8 Emax veneers, the Australian private total is AUD 12,000–AUD 20,000, which on 0% finance over 24 months is AUD 500–833 per month. Picasso Dental Clinic Vietnam charges AUD 510–566 per tooth for Emax veneers — a full 8-tooth case including flights and hotel costs less than 12 months of Australian finance payments.
Monthly payment comparison — 0% finance vs Vietnam all-in
| Scenario | AU private total (AUD) | 0% finance 24 months (AUD/month) | Picasso Vietnam all-in (AUD) |
|---|---|---|---|
| 4 Emax veneers | AUD 6,000 – AUD 10,000 | AUD 250 – AUD 417 | AUD 5,340 – AUD 6,540 |
| 6 Emax veneers | AUD 9,000 – AUD 15,000 | AUD 375 – AUD 625 | AUD 6,540 – AUD 7,740 |
| 8 Emax veneers | AUD 12,000 – AUD 20,000 | AUD 500 – AUD 833 | AUD 7,740 – AUD 9,540 |
| 10 Emax veneers | AUD 15,000 – AUD 25,000 | AUD 625 – AUD 1,042 | AUD 8,940 – AUD 11,340 |
Vietnam all-in estimate assumes: veneers at AUD 510/tooth + Zoom whitening AUD 340 + mock-up AUD 180 + return economy SYD–HCMC AUD 900 + 10 nights accommodation AUD 1,200–2,500.
The Vietnam figure is paid once. The Australian finance figure is paid monthly for 24 months — then stops if cleared, or continues at 19–29% APR if not.
How Australian veneer finance typically works
Most practices use third-party providers. Common arrangements:
| Provider type | Typical terms |
|---|---|
| DentiCare / TLC | Monthly direct debit; 0% available for 6–24 months |
| Afterpay / Afterpay Health | 4 fortnightly instalments (shorter cases); no interest if paid on time |
| In-house payment plan | Deposit + balance spread over treatment period |
| Medical credit card (e.g., Zip Money Health) | 0% for promo period; 19.9% APR after |
Always read the full contract. Check: interest-free period end date, APR after that date, early repayment terms, and whether the quote includes all components.
The break-even calculation for Vietnam
For a patient in Sydney considering 8 Emax veneers:
| Item | AUD |
|---|---|
| 8 Emax veneers at Picasso (AUD 510 × 8) | AUD 4,080 |
| Zoom! whitening | AUD 340 |
| Wax-up mock-up (8 teeth × AUD 18) | AUD 144 |
| Return economy SYD–HCMC (Jetstar) | AUD 800 – AUD 1,200 |
| 10 nights accommodation (Thao Dien, midrange) | AUD 1,400 – AUD 2,000 |
| Total estimated | AUD 6,764 – AUD 7,764 |
Australian private quote for the same 8 Emax veneers: AUD 12,000–AUD 20,000.
Saving: AUD 4,236–AUD 12,236 depending on Australian clinic.