What are Dental Loans and How Do They Work?

Dental loans are a type of unsecured personal loan that can be used to cover the cost of dental work not covered by insurance.

One option for researching and comparing dental loans is to pre-qualify with a lending company. This will allow you to see potential loan offers and find a loan with monthly payments that fit within your budget. When pre-qualifying for a dental loan, lenders will typically consider your credit score, income, and existing debts to determine your eligibility. No credit check may also be considered.

Once approved for a dental loan, the funds will be deposited directly into your bank account same day. You can then use the funds to pay for your dental or orthodontic care and make fixed monthly payments to your lender until the end of the contract term.

It's important to note that $10,000 - $35,000 personal loan rates can range from 6% to 36%, and terms can be two to seven years. It's also important to carefully review the terms of your loan agreement before signing, to ensure that you understand the interest rate, fees, and repayment schedule.

While dental loans can be a convenient way to finance your dental care, there are other options to consider as well. Some dental practices offer financing options, such as payment plans or credit lines, to help patients cover the cost of their care. Additionally, some credit cards offer promotional financing rates for medical expenses, including dental procedures.

In conclusion, dental loans can be a helpful solution for financing your dental care. However, it's important to research your options and compare rates and terms before making a decision. By doing so, you can find the loan that best fits your needs and budget, and get the dental care you need to maintain a healthy smile.

Are Dental Loans Available with No Credit Check?

Securing dental financing loans without a credit check may seem challenging, but several options exist to ensure you receive the dental care you need. Some dental offices offer in-house financing or payment plans, allowing you to distribute the costs over time. While these plans may not require a traditional credit check, they are often based on trust and an established relationship with your dentist. Alternatively, you could consider personal loans from non-traditional lenders, some of whom base their lending decisions on factors other than credit history.

How to Cover the Cost of Dental Work

Dental procedures that may be covered by a loan for dental work include dental implants, veneers, teeth aligners, braces, dental crowns, and emergency procedures.

Below is a table that compares the costs of various dental procedures with the average monthly income in the USA. Please note that these dental procedure costs are approximate and may vary by location, dentist, and individual circumstances. The average monthly income in the USA is based on the 2021 data, which was roughly $4,200 per month.

Dental ProcedureCost RangeCost as % of Avg. Monthly Income (Based on $4,200)
Regular cleaning$75-$2001.8%-4.8%
Root canal$500-$2,00011.9%-47.6%
Tooth extraction$75-$9001.8%-21.4%
Dental implant$1,000-$4,00023.8%-95.2%
Veneer$500-$1,300 per tooth11.9%-31.0%
Teeth whitening$200-$6004.8%-14.3%

Keep in mind that the figures in the table are subject to change and may not be representative of the actual costs you might encounter. It's always a good idea to consult with a dental professional for specific pricing information.

While dental loans are offered by a variety of lenders, including online lenders, banks, and credit unions, it's important to research the different options and compare rates and terms before deciding which lender to work with.

How to Get Dental Loans for Bad Credit?

Dental care can be expensive, and if you have bad credit, it can be challenging to find the financing you need to cover the cost of necessary dental procedures. However, it is possible to get dental loans for bad credit. In this article, we will provide a step-by-step guide on how to get dental loans for bad credit, including eligibility requirements, online application steps, and tips to increase your chances of approval.

  • Step 1: Check Your Credit Score

Before applying for a dental loan, it's important to check your credit score. Knowing your credit score can help you understand what type of loan and interest rate you may be eligible for. You can check your credit score for free through many online services.

  • Step 2: Research Lenders

Research online lenders that specialize in personal loans, as these lenders are more likely to offer dental loans for bad credit. Look for lenders that have flexible eligibility requirements, such as minimum credit scores or income levels.

  • Step 3: Pre-Qualify for a Loan

To pre-qualify for a dental loan, you will typically need to provide personal information, such as your name, address, income, and employment status. You may also need to provide documentation, such as pay stubs or bank statements. Pre-qualifying for a loan will allow you to see what type of loan and interest rate you may be eligible for without affecting your credit score.

Once you have pre-qualified for a loan, you can complete the online application. You will need to provide personal and financial information, as well as information about the dental procedure you need financing for. You may also need to provide documentation to support your application, such as tax returns or proof of income.

  • Step 5: Wait for Approval

After you submit your application, you will need to wait for the approval. The approval process can take anywhere from a few hours to a few days, depending on the lender. If you are approved, the lender will provide you with the loan terms, including the interest rate, repayment period, and monthly payment amount.

Eligibility Requirements

While eligibility requirements can vary depending on the lender, here are some general eligibility requirements for dental loans:

  • You must be at least 18 years old.
  • You must have a valid Social Security Number.
  • You must have a regular source of income.
  • You must have a valid checking account.
  • You must provide proof of income and employment.
  • You must have a credit score of at least 580 (in some cases, but online direct lenders typically require no credit check).

Pros and Cons of Loans for Dental Work

Dental work can be expensive, and for many people, it's not always easy to pay for out-of-pocket. This is where dental loans can be a helpful option. Before deciding whether to take out a loan for dental work, it's important to consider the pros and cons. Here are some of the advantages and disadvantages of dental loans.

  • Flexible financing options. Dental loans offer a range of financing options, including fixed and variable interest rates, different repayment periods, and flexible payment plans. This can help make dental care more affordable and accessible for those who need it. 
  • Immediate access to funds. If approved, you can receive the funds from a dental loan quickly, which can be helpful if you need to pay for dental work right away. 
  • No collateral is required. Dental loans are usually unsecured, meaning you don't need to put up any collateral to secure the loan. This can be advantageous for those who don't have any assets to use as collateral. Improves dental health.
  • By providing access to funds to pay for necessary dental work, dental loans can help improve overall dental health, which can have long-term benefits.
  • Interest rates. Dental loans can come with high-interest rates, which can add up over time and make the overall cost of the loan more expensive. 
  • Debt. Taking out a loan for dental work means taking on debt, which can be stressful for some people.
  • Eligibility requirements. Depending on the lender, there may be strict eligibility requirements, such as a minimum credit score or income level, which can make it difficult for some people to qualify for a loan. 
  • Repayment period. While the flexibility of repayment periods is a pro, it can also be a con. If you choose a longer repayment period, you may end up paying more in interest over time.

In conclusion, dental loans can be a useful option for those who need help paying for dental work. However, it's important to carefully consider the pros and cons before taking out a loan. Make sure you understand the interest rates, repayment periods, and eligibility requirements before applying. And if possible, explore other options, such as dental insurance or payment plans offered by your dentist, before deciding on a loan.


Getting a dental loan with bad credit may seem challenging, but it is possible. By following the steps outlined in this article and working with a reputable lender, you can get the financing you need to cover the cost of necessary dental procedures. Remember to check your credit score, research lenders, pre-qualify for a loan, complete the online application, and wait for the approval.