If you’ve been putting off dental treatment because you simply can’t afford it, you’re not alone.

Every week, we meet Australians searching for how to get dental work with no money, and many of them are suffering in silence with missing teeth, failing dental health, or poor-fitting dentures. The good news is: there is a solution, and it may be more achievable than you think.

At The Point Dental, we help patients access their superannuation early to fund life-changing dental treatment like All-on-4® full teeth replacement. What sets us apart is that we don’t just hand you paperwork and send you off. We have a dedicated in-house team that manages the entire process for you — from start to finish — at no additional cost. Unlike many clinics that refer patients to third-party providers like SuperCare or Access My Super, we handle everything internally to make financing your treatment easier and more seamless.

If superannuation isn’t an option or you prefer a different method, we also offer flexible payment plans tailored to your budget, so you can get the care you need without financial stress.

What is All-On-4® Dental Implants?

All-on-4® is an advanced dental implant procedure that allows us to replace all your teeth with a fixed, natural-looking bridge, supported by just 4 dental implants per jaw — and these implants can be placed within 1 to 3 days. Even in complex cases!

This procedure is ideal for those who:

• Have multiple missing or loose teeth

• Suffer from bone loss or advanced gum disease

• Have been told they’re not suitable for implants elsewhere

• Wear dentures but want a more permanent solution

Plus, thanks to the early release of super, full mouth teeth replacement is now within reach for many Australians who thought it wasn’t possible.

Want to know if we’re the right fit for you? Book a complimentary consultation.

Financing Your All-On-4® Implants with Superannuation

Can I Use My Super to Pay for Dental Treatment?

Yes, you can. Under the compassionate grounds provisions, the Australian Taxation Office (ATO) allows individuals to apply for the Early Release of Super (ERS) to pay for urgent dental treatment especially in cases involving chronic pain, inability to eat, or severe oral health issues.

Whether you’re dealing with multiple missing teeth, infection, or can’t eat properly due to deteriorating oral health, you may be eligible to use your super to pay for dental work such as All-on-4® implants or full mouth rehabilitation.

Steps to access your superannuation

Here’s how we help you access your super and get the smile you deserve:

How We Support You Through Early Super Access at The Point Dental

1. Initial Consultation

We assess your dental condition to determine whether All-on-4® is suitable for you. If it is, we’ll also discuss whether you may be eligible to access your superannuation to fund your treatment.

2. Documentation Preparation

Our team prepares all the necessary documentation to support your early release of super application.

3. Medical Support

We work directly with your GP and help guide them on what medical documentation is required by the ATO.

4. ATO Application Submission

Once everything is ready, we submit your complete application to the Australian Taxation Office (ATO) on your behalf.

5. ATO Assessment & Approval

Most patients receive a response from the ATO within 2–4 weeks.

6. Superfund Documentation

After ATO approval, we prepare and submit the required documents to your superannuation fund for the release of funds.

7. Fund Release

Your superfund typically processes the release within 2 weeks.

8. Treatment Begins

Once the funds are released, your All-on-4® treatment can begin and you can walk away with fixed new teeth in just 1–3 days.

What If You Don’t Have Enough Super?

We understand that not everyone has enough super saved, and that’s okay.
At The Point Dental, we’ve worked with many patients in the same situation. There’s no one-size-fits-all solution — and often, we help patients explore creative ways to move forward, such as combining early super release with flexible payment plans or identifying alternative options they didn’t realise were available.

Even if you think you don’t qualify, talk to us. We might surprise you.

Alternative Financing Options

While superannuation is a viable option, there are other ways to finance your All-on-4® treatment if you don’t qualify for early access or if you simply prefer not to use your super.

Interest-Free Payment Plans

At The Point Dental, we offer a variety of interest-free payment plans to suit your financial situation. These plans allow you to spread the cost of your treatment over a period of time, making it more manageable.

Private Health Insurance

You may be able to claim part of your treatment cost through your private health insurance, depending on your level of cover. At The Point Dental, we use internal software to help you check exactly how much you’re entitled to claim — so you don’t have to chase your insurer or guess what’s included. This helps reduce your out-of-pocket expenses and gives you more clarity upfront.

Medicare (General Anaesthesia Only)

General anaesthesia costs for dental procedures are partially covered by Medicare. Our team will assist you every step of the way to help you understand and access the available rebates.

Personal Loans

Another option is to consider a personal loan from a bank or financial institution. Personal loans can provide you with the necessary funds upfront, which you can repay in manageable installments.

Transparent Pricing & Extra Value at The Point Dental

✔️No hidden costs — all fees are clearly explained before you start

✔️No third-party fees for early superannuation access. We handle the application in-house — saving you up to $800

✔️Complimentary All-on-4® consultation with CBCT scan included

✔️Flexible payment options available to suit your situation

✔️Genuine support from our team — not just paperwork, but real guidance

Why Patients Say We’re One of the Best All-on-4® Dental Clinics in Australia

At The Point Dental, we’ve earned a reputation for excellence — not just in Melbourne, but across the country. Patients travel from all over Australia to receive care they trust, especially for complex or life-changing All-on-4® treatments.

Here’s what sets us apart:

• Award-Winning All-on-4® Provider

Recognised for our innovation, precision, and patient outcomes.

• High Success Rate even for Complex Cases

Including patients told elsewhere they’re not suitable.

• In-House General Anaesthesia

For anxiety-free, pain-free treatment — no external referrals needed.

• Full Superannuation Support

We help you access your super without third-party admin fees — saving you up to $800.

• Expertise in Zygomatic Implants and other Graft-Free Implant Solutions

We’re one of the few clinics in Australia offering advanced solutions for severe bone loss, such as Zygomatic (cheek) implants, Pterygoid implants, Trans-sinus implants, Pyriform implants.

• Patients Travel from Across Australia

Because they know they’ll receive honest advice, personalised care, and results that last.

Conclusion

Affording full mouth teeth replacement with All-On-4® dental implants is possible with the right financing options. By utilizing your superannuation or exploring alternative financing methods, you can achieve the smile you’ve always wanted without undue financial burden. At The Point Dental, we are committed to helping you navigate these options and providing exceptional care every step of the way.

Ready to Get Started?

If you’ve been searching for how to get dental work with no money, don’t give up. The solution may be right in front of you.

If you’re considering All-On-4® dental implants, reach out to us today to schedule a consultation and explore your financing options. Together, we can make your dream smile a reality.