Everyone deserves a happy, healthy smile. Afterpay lets you love your smile now and pay for it later. 

Why wait for a brilliant smile? With Afterpay, you can get the treatment you want now and pay for it in 4 equal fortnightly payments, interest-free.

Afterpay is available at selected Lumino practices. We're proud to offer many ways to make it easier for you to get dental treatment done without having to worry about paying for it upfront.

What it is

Afterpay allows you to get dental treatment and pay for it in 4 equal fortnightly payments.

You can spread out the cost of your treatment with no added interest and no additional fees.

Afterpay is available on a range of dental treatments from emergency treatments, hygiene cleans, dental examinations, whitening and fillings, implants, tooth extractions and even electric toothbrushes. Sign up to Afterpay via the mobile app for instant online approval!

Who can use it

You can use Afterpay at participating Lumino practices. Once you’ve signed up via the mobile app or online, you’ll need to set up Afterpay Card. You can do this through the Afterpay app. Go to the In-store tab and follow the prompts to add the Afterpay Card to your digital wallet. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay.

Have questions?

You can sign up to Afterpay online or on the mobile app. If you sign up using the mobile app you’ll get instant online approval and can present the bar-code to reception when you visit the dentist.

See more details on how to sign up here.

Once you sign up to Afterpay you’ll be able to use it as a payment option at participating practices. The overall treatment cost is split into 4 equal amounts which you’ll be due to pay every two weeks. You can get the full treatment completed before the full payment is made.

With Afterpay, payments are due every 2 weeks in 4 equal installments. If you make repayments on time, you’ll only ever pay the price of the item you’ve purchased. The only fees Afterpay charges are late fees for missed payments.

Terms & Conditions

Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks.

Transaction limit is $3,000.

Afterpay can only be used on the standard cost of dental treatment. Afterpay can not be used with any other discount offer.

You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply.

All orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, visit the Afterpay website.

As part of Afterpay’s approval process, they may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment.

You can make repayments to Afterpay any time before the due date. Otherwise, Afterpay will automatically try process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.

For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less.