Editor's choice: Upgrade personal loans
- Flexible loan options
- No prepayment penalty
- Loans up to $50,000
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Dental work can be costly, and even with dental insurance, checkups are still expensive. Important procedures and cosmetic surgery often come with hefty price tags. If this has stopped you from visiting the dentist, don’t worry: there are options to finance your important dental procedures upfront so you can have any necessary work done now and pay it back later.
A dental loan is a type of personal loan used to pay for dental surgery and other dental costs. Like many medical loans, they tend to be unsecured. This means lenders rely on your credit score and ability to repay rather than requiring you to supply collateral.
Dental loans work like any other loan. When you apply, you request a specific loan amount to cover the needed work. If you’re approved, your loan funds will be transferred into your bank account. You can use the money right away to finance your procedure, and you’ll begin paying back the outstanding balance based on your loan contract.
Since these are unsecured loans, you can use the money for a variety of purposes. If you need a lot of work done and will be in and out of the dentist or oral surgeon for a few months, your loan funds can be spread out to accommodate your needs. If you just need a one-off visit, you can borrow a small amount and pay it back quickly to save on interest.
How you use your loan is up to you, but remember: only borrow as much as you need and stay on top of payments to avoid being charged late fees, defaulting or hurting your credit score.
The cost of a procedure or surgery will depend on if you have dental insurance and what your policy covers. If you have insurance, common procedures like cleaning and fillings will generally only cost a small amount — especially if you’ve already met your deductible. If you don’t have insurance, you’ll have to pay out-of-pocket for the entire cost of the procedure.
Here’s what you can expect to pay for some dental procedures without insurance:
Before applying for a dental loan, it’s important to know what type of loans are available to you. If you’re looking at getting dental loans then you have a few options open to consider.
When you’re deciding on a dental loan, ask yourself a few basic questions to be sure you’re choosing the right option.
To apply, you’ll generally need to be over the age of 18, employed and have a working bank account. And while each lender is different, you can generally expect a similar application process.
Many lenders have a preapproval process that allows you to see how much you might qualify for. This makes the initial application process shorter and won’t require you to undergo a hard credit check, but it won’t guarantee a loan.
If you want to continue after a preapproval process, you’ll need to work directly with your lender to discuss your loan terms and see if you qualify for the amount you’re requesting. From here, funding usually takes a few days.
Dental procedures may be expensive, but that doesn’t mean you don’t have options. By comparing your rates and choosing the right loan, you can keep your costs down and keep your smile looking beautiful. You can browse your personal loan options to start on the process of paying for your next dentist visit.
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