Best Egg personal loans
Finder score
- Not available in: Iowa, Vermont, West Virginia
Min. credit score | 600 |
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APR | 8.99% to 35.99% |
Loan amount | $2,000 to $50,000 |
You can get a loan for dental work from your dentist’s office, an online lender or even a bank. But since loans tend to start at around $1,000, it’s best to save this option for larger procedures that you don’t have time to save up for.
We reviewed over 120 personal loan providers before selecting our best picks for dental loans. We focused on lenders that offer lower loan amounts and could get you the funds within a day or two. And we included different options for good, fair and bad credit.
Best Egg personal loans
Finder score
Min. credit score | 600 |
---|---|
APR | 8.99% to 35.99% |
Loan amount | $2,000 to $50,000 |
Upgrade personal loans
Finder score
Min. credit score | 620 |
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APR | 8.49% to 35.99% |
Loan amount | $1,000 to $50,000 |
OneMain Financial personal loans
Finder score
Min. credit score | Varies |
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APR | 18% to 35.99% |
Loan amount | $1,500 to $20,000 |
Monevo personal loans
Finder score
Min. credit score | 300 |
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APR | 5.40% to 35.99% |
Loan amount | $500 to $500,000 |
Stilt personal loans
Finder score
Min. credit score | Not required |
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APR | 7.99% to 15.99% |
Loan amount | $1,000 to $35,000 |
Personal loans aren’t your only option when it comes to paying for dental work. These are the most common ways to finance a dental procedure.
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:
You can get a dental loan with most providers if you’re over 18, a US citizen or permanent resident these steps to apply for a dental loan.
It usually takes about one business day to receive the funds in your account — though some lenders offer same-day funding if you get approved in the morning or early afternoon.
Compare more loansGenerally you need a credit score of 670 or higher for most dental loans — what most lenders consider to be good credit. But there are options if your credit score is 679 or lower. Lenders like Stilt even offer financing to people with no credit history, provided that other aspects of their finances are in good shape.
If you don’t have good credit, other types of dental financing are likely a better choice. Bad credit personal loans tend to have high interest rates, which can spell higher monthly payments.
There are still ways to pay for dental work if your budget doesn’t have room for another bill.
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.
Answers to common questions about dental loans.
You can get a dental loan with bad credit by comparing lenders that accept credit scores in your range. But consider other options first. Bad credit dental loans tend to come with high interest rates. If possible, try to find a dentist that offers payment plans instead to avoid high monthly payments.
Visit our guide to bad credit personal loans to read about more of your options.
Unlike credit cards for medical expenses, dental loans typically don’t have a network of preferred providers. You’re usually free to see whichever licensed dentist you choose.
Most likely, yes. Lenders don’t usually exclude certain procedures, as long as the procedure was performed by a reputable medical professional. You can check the lender’s website before applying or call their customer service line to be sure.
You probably won’t qualify for a loan if your dental bill is already in collections. But you might be able to negotiate with your collections agency into giving you a payment plan.
If you’re not sure, you can hire a professional to negotiate on your behalf. But this can be costly. Thoroughly vet any company you hire before you sign up.
Select your credit score and state to see more personal loans that can help you pay for dental work.
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