What Financing Options Can I Use for Dental Work?

Dental visits can quickly get expensive. While a routine checkup and cleaning averages about $275, procedures like fillings and dentures can cost hundreds or even thousands of dollars. If you don’t have the cash to pay for all your dental work upfront, there are financing options available to you.

How Dental Financing Works

Dental financing can help you cover the cost of dental care if you’re unable to pay for your procedure all at once. In most cases, you can borrow money and make payments until you’ve paid off the amount you borrowed. Fortunately, there are many dental financing options that can help make dental treatments more affordable.


What Are My Financing Options?

If you’d like to pay for a routine exam and cleaning, filling, root canal, or any other treatment, consider these dental financing options.

Personal Loan

With a personal loan, you’ll receive a lump sum of money upfront and repay it via fixed monthly payments over a set term. Many banks, credit unions, and online lenders offer personal loans with quick approvals and fast funding.

Medical Credit Card

A medical credit card works a lot like a regular credit card. The only difference is that you can only use it to pay for healthcare expenses like dental treatments with certain providers. If you’re approved for a medical credit card, you’ll need to find a dentist that will accept the card as a payment method.

Credit Card with a 0% Introductory APR

Some credit cards come with a 0% Annual Percentage Rate (APR) for a set time period. Once the introductory period is over, the APR will increase based on your credit. If you feel confident that you can pay off the amount you owe within the introductory period, you may be able to finance your dental care and avoid interest charges.

What Are Some Alternatives to Dental Financing?

If you’d like to steer away from dental financing, you may want to think about these alternatives.

Negotiate with Your Dentist

Don’t be afraid to speak to your dentist and negotiate a lower price. If you’ve been a loyal patient or require multiple treatments, there’s a good chance they’ll lower the cost of your care.

Compare Dental Prices

Not all dentists charge the same amount for their treatments. For this reason, it’s well worth your time and effort to shop around and compare dental prices. You may be able to save some money just by going to a different dentist.

Get Help From Family and Friends

If you’re in need of a dental treatment but don’t want to take out a loan or use a credit card, ask your loved ones for help. They may lend you money and work with you to design a repayment plan that you can comfortably afford.

Advance America Loans Can Cover Your Dental Financing Needs

Advance America offers a variety of online loans such as payday loans, emergency loans and installment loans that you can use to cover your dental treatment. Once you fill out our quick application online or in-store, you may be approved even with less than great credit. Our loans give you the funds you need quickly, making it easy and affordable to pay for your visit to the dentist.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans