Payment & Finance
We believe cost shouldn’t stand between you and the confidence of a great smile. Haylo offers several payment pathways, from flexible finance to early superannuation access, so you can choose what works best for you.
Payment options at a glance
Humm Finance
From $52.18/week - approved in ~7 days
Early Release Super
Via Access My Super - up to 16 days
Payment Plans
Personalised arrangements available
Consultation Deposit
$100 to secure your appointment
All prices are flat-rate and all-inclusive. No hidden costs. A personalised treatment plan with full cost breakdown is provided after your initial consult.
Whether you’re considering full dentures or partials, our in-house dentist Dr. Christina works alongside our prosthetist to ensure a seamless end-to-end experience.
Flat-rate pricing, all appointments included
No hidden fees — ever
Finance approved in ~7 business days
Super access via our partners
Treatment plan provided upfront
RECOMMENDED FOR MOST PATIENTS
Humm is a flexible Buy Now, Pay Later provider that lets you spread the cost of your treatment into manageable weekly repayments. Once you’re deemed suitable for treatment, we’ll help you get started with the application.
Full Denture Set
$4,000 total
$52.18
per week*
Single Denture
$2,000 total
$79.62
per week*
Partial Dentures
$2,800 total
$55.19
per week*
*Repayment estimates only. T&Cs apply. Actual repayments depend on your approved finance agreement. Speak to our team for details.
How to apply
Finance at a glance
Provider
Approval timeline
Minimum treatment
Repayment frequency
Available for
Application
Not sure if Humm is right for you?
Talk to our team at your consultation, we’ll help you compare all options without any pressure.
Humm is a Buy Now, Pay Later provider that lets you spread the cost of your Haylo treatment into manageable weekly repayments instead of paying upfront. After your initial consultation with our prosthetist James, we’ll guide you through the Humm application – typically assessed within around seven business days – and once approved, your treatment begins and you start repayments on your agreed weekly schedule.
Humm conducts a credit assessment as part of your application, so it’s worth reviewing the latest details directly with Humm to understand how their process may affect your credit file. Our team can walk you through what to expect at your consultation, and we’ll never pressure you to apply if you’re unsure – Humm is just one of several payment pathways available through Haylo.
If your Humm application isn’t approved, there are still several other ways to fund your treatment at Haylo – including early release of Superannuation through Access My Super, a personalised payment plan discussed at your consultation, or paying upfront. Our team will work with you to find a pathway that suits your situation, so a Humm decline doesn’t mean the end of your denture journey.
Early access - eligibility criteria apply
If you meet the eligibility criteria, you may be able to access your superannuation early to fund your denture treatment. Haylo partners with Access My Super to make the application process as straightforward as possible.
You may be eligible if you…
You need to know...
We partner with Access My Super to handle the application. Their service fee is $749, which covers the full application process on your behalf. This fee is separate from your Haylo treatment cost.
You may be eligible to access your Super early on compassionate grounds if you’re experiencing severe financial hardship, have a terminal medical condition, are permanently or temporarily incapacitated, are a temporary resident departing Australia, or meet other criteria set by the ATO. Eligibility is always assessed on a case-by-case basis by your Super fund and the ATO, and our partner Access My Super handles the full application on your behalf.
The $749 Access My Super service fee covers the cost of preparing and lodging your application, and we recommend confirming their specific refund policy directly with Access My Super before you proceed. Our team can also walk you through the eligibility criteria at your initial consultation, so you have a clearer sense of your likely approval before any fees are paid.
From the time your application is submitted, assessment and approval typically takes up to sixteen business days – including review by both your Super fund and the ATO. Once approved, funds are released directly to you or your provider, and your Haylo treatment can proceed in full; in the meantime, we can begin pre-treatment preparation so you’re ready to start as soon as funds clear.
Discuss at your consultation
Beyond Humm and Super, we can discuss personalised payment plan arrangements at your initial consultation. Every patient’s situation is different, and we’ll do our best to find an approach that works for you.
required to book
To secure your initial consultation, we require a $100 non-refundable deposit. This helps us dedicate the proper time and care to your appointment, no double bookings, no rushing.
Consultation deposit
Talk to us first
If Humm finance and Super aren’t the right fit, raise it at your consult. Our team will work with you to find an arrangement that makes your treatment possible.
A personalised Haylo payment plan is a tailored arrangement we discuss directly with you at your initial consultation – typically involving an upfront contribution followed by scheduled repayments across the course of your treatment. Every situation is different, so there’s no one-size-fits-all template; the structure is shaped around what’s realistic for your budget, with clear, written terms agreed before treatment begins.
Personalised payment plans through Haylo don’t carry the additional finance charges of third-party providers like Humm or the application fees associated with Super early-release. Your plan is built directly around the flat-rate price of your treatment, so what you agree to at your consultation is exactly what you’ll pay across the course of your repayments – no hidden costs, no surprises.
We understand that life happens – if your financial situation changes mid-treatment, the best step is to speak with our team as early as possible. We’ll work with you to find a way forward that keeps your treatment on track wherever possible, whether that means adjusting your repayment schedule or transitioning to an alternative pathway like Humm or Super early-release.
Side by Side
Compare Your Options
Every payment pathway at Haylo, compared clearly so you can decide what suits your situation.
Early Release Super
Payment Plan
Upfront Payment
Approval required
Yes
Yes
Yes (ATO)
Case by Case
Typical wait time
~7 business days
Up to 16 business days
Discussed at consult
Immediate
Weekly repayments
Yes
No (lump sum)
Negotiated
Not applicable
Additional Fees
Finance charges apply
$749 (Access My Super)
None
None
Eligibility criteria
Humm credit assessment
Compassionate grounds
Discussed with team
None
Best for
Spreading cost over time
Larger fund balances
Unique circumstances
Full payment upfront
The right payment option depends on your timeline, budget, and personal circumstances – Humm Finance suits patients wanting to spread the cost into weekly repayments, Early Release Super suits those eligible for compassionate-grounds access to their superannuation, and a personalised payment plan suits patients with unique circumstances that don’t fit either pathway. At your initial consultation, our team will walk you through every option without pressure, so you can choose what genuinely works for you.
The $100 consultation deposit is non-refundable, but if you decide to proceed with treatment, the full amount is applied toward your final treatment cost – so it’s not an extra fee, just a deposit that secures your time with our team. The deposit covers your full consultation with James (approximately 45–60 minutes), a consultation with Dr. Christina if extractions may be needed, your personalised treatment plan, and a full discussion of payment and finance options.
Yes – many patients combine pathways, such as using Early Release Super for part of the treatment cost and Humm Finance or a personalised payment plan for the remainder. At your initial consultation, our team will help you map out the most cost-effective combination for your circumstances and timeline, so no single pathway becomes a barrier to starting treatment.
Yes – most private health funds offer rebates on major dental work, including dentures, and these can be used in combination with Humm Finance, Super early-release, or a personalised payment plan. We recommend checking your level of cover directly with your provider, and we can supply itemised invoices for you to submit for rebate claims after each appointment.
If neither Humm nor Super early-release works out, our team can still find a way forward through a personalised payment plan discussed at your initial consultation. Every patient’s situation is different, and we’ll do our best to design an arrangement that makes your treatment possible – so a “no” from a third-party provider doesn’t mean the end of your Haylo journey.
Book your consultation and we’ll walk you through every payment option — no pressure, no obligations. Just an honest conversation about what works for you.
