Payment Plans


HUMM is a prominent “buy now, pay later” (BNPL) payment service that has gained popularity as an alternative to conventional credit cards and loans. With HUMM, consumers have the flexibility to make purchases and then spread the cost over time through a structured installment plan. Here’s how it works:

When shopping online or at participating physical stores, customers can opt for HUMM as their preferred payment method during the checkout process. HUMM typically offers various payment plans, allowing users to select an installment period that aligns with their budget and financial preferences.

To determine eligibility, HUMM may conduct a quick credit assessment or evaluate specific criteria. Once approved, the customer can finalize their purchase. Instead of paying the entire amount upfront, they commit to making a series of smaller payments, usually on a weekly or fortnightly basis, until the total cost is covered.

Please note that we offer a 0% interest and 0% deposit with HUMM users!


  • You only need to fill out a simple, one-page Direct Debit payment plan form with our dentist.
  • Start your treatment straight away. Now there’s no reason to delay that perfect smile.
  • No complicated finance contracts to complete. No credit checks and no lengthy approval process are required.
  • Don’t pay any interest on your dental or orthodontic treatment. No interest, no fuss.
  • Choose your repayment period from 3 to 24 months and how often you pay. A payment plan that is convenient for you and our dentist.
  • Relax, no need to worry about paying for your treatment all at once. Spread the cost over time.

SuperCare as a Payment Option

Did you know that you can apply for the Early Release of your Superannuation to pay for you,  your family member’s dental or orthodontic treatments?

We are happy to introduce SuperCare – an external service provider – that can assist you to make an application via the Compassionate Release of Superannuation (CSR) Program, operated by the Australian Taxation Office (ATO) to cover dental and orthodontic costs. 

SuperCare can help facilitate funding for most dental procedures, including:

  • Implants and Dentures
  • Oral and Maxillofacial surgery
  • Clear Aligners
  • Root Canal
  • Crowns
  • General Dentistry

Find out more by giving us a call today!


Cardinia Dental offers a variety of payment options for your convenience, including HUMM, SuperCare, and Denticare. It is important to understand the terms and conditions associated with these payment providers before engaging in any transactions. By choosing any of these payment options, you agree to the following:

Independent Relationships:

HUMM, SuperCare, and Denticare are independent third-party payment providers and are not affiliated with Cardinia Dental. Each provider operates under its own terms, conditions, and privacy policies.

Financial Agreement:

When you choose to use HUMM, SuperCare, and Denticare you enter into a financial agreement directly with the respective payment provider Cardinia Dental is not responsible for any financial arrangements, fees, interest rates, or penalties imposed by these providers.

Payment Plans and Schedules:

Payment plans and schedules associated with HUMM, SuperCare, and Denticare are determined by the respective providers. It is your responsibility to familiarise yourself with their terms and ensure compliance with agreed-upon payment schedules.

Fees and Charges:

You are responsible for understanding and complying with any fees, charges, or interest rates associated with the selected payment option. Cardinia Dental is not liable for any additional costs imposed by the payment providers.

SuperCare Third-party Processing:

SuperCare assists in facilitating the application process for Early Release of Superannuation for dental treatments. Any decisions related to the approval or denial of the release of superannuation funds are made by the relevant authorities and not Cardinia Dental.

By choosing any of the mentioned payment options, you acknowledge and agree to the terms set forth by HUMM, SuperCare, and Denticare. It is recommended that you review the terms and conditions of each payment provider before proceeding with any transactions. Cardinia Dental reserves the right to update or modify this disclaimer at any time without prior notice.

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