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.
5 best personal loans for dental work
Best for good credit
Best Egg is an online lender with some of the lowest starting rates available — especially on loans as low as $2,000 to cover larger dental procedures, like wisdom tooth removal. It has stellar customer reviews and can get your funds within one business day. While it accepts credit scores as low as 640, you generally need to have a 700 credit score or higher to get the lowest rates. And you might have a hard time qualifying if you’re self-employed.
- Not available in: Iowa, Vermont, West Virginia
*Trustpilot TrustScore as of December 2022. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.
The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debtpayment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,000; and Georgia, $3,000. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Joseph Walsh – Operations Manager, Email: email@example.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-82-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.
For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.
Best for fair credit
Your credit score matters less than monthly cash flow with this fast online lender. Its mobile application is simple enough that you can get approved while you’re waiting for your appointment. And if you’re not sure how much your procedure will cost, you can also apply for Upgrade’s line of credit from $1,000 to $50,000. It also has a hardship program that lets you defer two payments.
- Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia
Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/.
Best for bad credit
OneMain Financial is one of the few personal loan providers that specializes in bad credit. It offers loans as low as $1,500 to all credit types. And you can back your loan with collateral to get a lower rate. But save OneMain for when you have no other personal loan options. Even its lowest APRs are close to the maximum rates good credit lenders tend to charge.
- Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
* OneMain Disclosures:
Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
Best for rate shopping
This online connection service lets you compare personalized offers from multiple lenders by filling out a single form. It also works with lenders that offer loans as low as $500 to cover less-expensive procedures, like getting a few cavities filled. It works with all credit types — though bad credit borrowers can expect rates closer to 36% APR.
|Min. credit score||300|
|APR||5.40% to 35.99%|
|Loan amount||$500 to $500,000|
Best for DACA recipients and nonresidents
Stilt specializes in funding DACA recipients and nonresidents who don’t have a solid US credit profile yet. Instead of your credit score, Stilt looks at your spending, savings and other financial habits. You can borrow as little $1,000 with relatively low rates from 7.99% to 15.99% APR. But it’s only available in 16 states and terms can be short as six months.
- Only available in: Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, Pennsylvania, Texas, Utah, Washington, Wisconsin
|Min. credit score||Not required|
|APR||7.99% to 15.99%|
|Loan amount||$1,000 to $35,000|
Types of dental financing
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.
- In-house payment plan. Some dentists offer interest-free payment plans, especially for dental work that involves return visits. Orthodontists often provide financing for braces. However, not all dental practices offer payment plans, and some procedures may not be eligible.
- Specialist dental loan. There are some lenders that offer loans tailored to dentistry that can help you finance a range of procedures.
- Personal loan. Many personal loans can be used to cover medical costs, including dental work. You can typically borrow between $1,000 and $50,000 with rates ranging from 6% to 36%.
- Line of credit. A line of credit functions similarly to a personal loan. Instead of receiving your funds as one lump sum, you’ll be able to take money out as you need it and will only pay interest on what you borrow.
- Overdraft. An overdraft is where the bank allows you to overdraw your account up to a certain limit. You are able to redraw anywhere up to and including this limit and then repay it over time at a fixed rate of interest.
- Credit card. Depending on the limit of your card, you may be able to cover the costs of your dental visit. Just keep in mind that the rate of interest on your credit card is likely to be higher than a personal loans unless you’re still in a card’s 0% APR introductory period.
- Medical credit card. Similar to a credit card, these also come with 0% introductory periods, which usually last from 6 to 18 months. Otherwise, it acts like a loan: If you don’t pay off you balance before the period ends, you owe interest on the entire amount you spent.
- Bad credit personal loan. These loans, also called short-term or payday loans, are usually for amounts between $100 and $5,000 and may be an option if you need finance for emergency dental surgery.
What can I use a dental loan for?
- Root canals
- Gum surgery
- Wisdom tooth removal
- Tooth whitening
- Braces or retainers
- Cavity filling
- Teeth cleaning
- Periodical check-ups
How much does dental work cost?
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:
- Teeth cleaning: up to $127
- Cavity filling: up to $204
- Wisdom tooth removal: up to $750 per tooth
- Dental crown: up to $1,093
- Root canal: up to $1,156
How to get a dental loan
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.
- Get an estimate. Ask your dentist how much the procedure will cost — and how much you can expect to have covered by insurance. Insurance websites are sometimes out of date and your provider can give you a more accurate cost estimate.
- Consider all financing options first. As your dentist about payment plans and consider other financing options before you decide to take out a loan. It might not be the cheapest option available.
- Compare providers. Look for a lender that offers the amount you need to borrow, comparing requirements, rates and monthly payments. If you're getting an emergency procedure, also look at the turnaround.
- Prequalify. Most lenders let you check your rate without affecting your credit by filling out a quick form. Compare offers from your top choices before deciding on the lender.
- Apply. Typically you'll need to provide information about your personal finances and employment, as well as recent bank statements and paystubs.
- Sign the documents. Review your offer to make sure you understand how much you'll owe each month before signing off on the 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.
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What credit score do you need for dental financing?
Generally 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.
Alternatives to dental financing
There are still ways to pay for dental work if your budget doesn't have room for another bill.
- Grants. Some organizations like the Cosmetic Dentistry Grant program offer grants to individuals who can't afford a dental procedure, based on financial need. While some might not cover everything, it can put a major dent in the cost.
- Discounts. You can often negotiate down the price of dental work to something you can afford. Some providers offer a cash discount, while others may be willing to offer discounts based on financial need.
- Dental student procedures. Dental schools often offer reduced prices for procedures that students perform — under supervision, of course. You can find a dental school near you by checking the American Dental Association's website.
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.
Frequently asked questions
Answers to common questions about dental loans.
How do I get a dental loan with bad credit?
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.
Do dental loans have preferred providers?
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.
Will a dental loan cover my specific procedure?
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.
Can I use a dental loan to pay for a dental bill that's in collections?
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.
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