How to Pay for Dental Work with Bad Credit

If you’re struggling to pay for the cost of expensive, Here is the guide on how to pay for dental work with bad credit.

The annual average cost of dental treatments was up 23% between 1996 and 2015, as per an article published by the U.S. Department of Health & Human Services Agency for Healthcare Research and Quality.

To make it even more costly the year 2015 saw 29 percent of Americans have no dental insurance however, for those with it the private insurance system only covered 43% of the total cost.

If you are unable to pay for the necessary dental care at the beginning, you may consider financing for dental work.

However, bad credit can make it difficult to obtain approval for various types of credit or obtain a rate of interest and terms that you are able to be able to afford to repay.

Alternatives ways to pay dental if you have bad credit

If you’re unable to cover the cost of dental treatment in one go, you might think about getting financing for the procedure.

This could involve taking out a loan to finance the treatment and then making regular payments until the loan is paid in full. In addition, financing typically requires the payment of fees and interest on the amount you borrow.

Here are some suggestions in case you need to finance essential dental work.

1) Medical credit cards

Credit cards with medical features are a possibility to cover healthcare expenses for dental procedures, as well as other treatments.

The medical credit card is identical to a normal credit card. However, it is only the medical credit card as payment for health care as long as you are within a certain group of providers who will accept this card.

If you’re approved to use medical credit cards, and you’re eligible, you can make use of the card to make payments at a reputable provider for dental or medical healthcare. Then, you’ll be liable to the issuer of your card and pay them.

Just like credit cards that are used for regular purchases the company that issued the card will usually examine your credit score in order to determine if they’ll loan to you.

2.) Personal loan

A personal loan may be used to cover various personal expenses. These could include dental and medical care. These are generally secured loans, meaning that the lender doesn’t need collateral to guarantee the loan.

This is why the lender typically takes into account various factors, including your credit score in order to determine if you’re able to pay back the loan.

If you have poor ratings on credit, you could be charged higher interest rates or be denied loans completely.

3.) Intro 0% APR credit card

Instead of making use of a medical credit card, You may think about making payments for healthcare using an ordinary credit card.

Some credit cards provide an introductory rate of 0% on balance transfers and purchases for a specific duration of time. Once the initial period has ended, the card will carry an APR based on the credit score of your account and other aspects.

If you are able to pay the balance you owe within the specified time frame (which is usually from 12 to 21 months you can pay for dental care with no interest.

However, you could be charged interest on the amount you aren’t able to pay by the expiration date, or you may lose the intro rate if you do not pay in accordance with the terms of your card. Keep in mind that every intro APR offer can differ according to the lender as well as your credit.

4.) Financing provided by the dental service provider

Certain dentists might also provide the option of finance plans for payment and in-house via third-party lenders. The conditions and terms differ depending on the lender.

Certain lenders might provide loans that don’t need the payment of any cash or offer a low-down amount. Some lenders may not even need a credit check to be approved; however, beware of excessive APRs and charges.

Can I get dental financing if I have bad credit?

The process of getting finance when you have poor credit may be difficult. Credit cards and personal loans generally require a credit check in addition bad credit may cause a lender to reject the application or charge an excessive interest rate.

A bad credit score typically indicates that you have poor credit scores. FICO is one of the credit scoring models, employing 850 as the base score. Scores that are below 580 are considered “poor.”

The dental office you visit may provide financing options, even if you do not have a good credit score. Ask your dentist about financing options that are available, the amount of the interest will be, and whether they’ll verify your credit.

However, if you aren’t eligible for financing that is affordable, however, that doesn’t mean that you won’t be able to get the dental treatment you need.

Alternatives to dental financing

If you’re not sure you’re eligible to receive dental financing or are concerned about the cost of dental care you need even with financing it’s possible to look at alternatives.

Look for lower-cost health care

If the dental procedure you need to have isn’t an emergency, you may be in a position to save cash by taking the time to look around for a cheaper alternative.

It is possible to get a price from a different dentist and determine whether their services are cheaper. If there’s a dental college nearby, it could provide dental clinics in which dental students offer care under close supervision by expert dentists. They can provide treatment at substantial savings.

Be sure to check that the service provider is part of any dental insurance program should you have dental coverage.

You can negotiate your bill

If you are able to pay only part of the price, you may be able to negotiate the entire price with your dentist prior to making a decision to accept the procedure.

You should first do some research to determine the cost in your area for the treatment you’re seeking. You can search the Fair Health Consumer Database to begin.

When your doctor is charging more, you can try at negotiating a less expensive cost by citing these costs as average.

If you’re not insured, then you could also inquire about discounts. Some dentists might offer a discount to help their non-insured patients pay for dental care.

Ask your friends and family members for assistance

It’s not easy to ask for help; however, if you’re struggling to obtain financing and require dental treatment, reaching out to family and friends could be a good option. They might be able to loan you money.

Also, if they have credit that is good and are willing to co-sign an individual loan or low-interest credit card that could increase your odds of getting approved.

Bonus tip Tip: The tax break

If the treatment you require is expensive, it is possible that you will be eligible to get a tax deduction for the cost.

The federal tax code permits you to deduct from your tax-deductible income for certain dental and medical expenses, provided that they exceed an amount that is a certain amount of your gross adjusted earnings for the calendar year.

Keep in mind that you must be eligible to take advantage of the deduction for medical expenses as well as include deductions in your federal tax return to qualify for this tax benefit. However, if your dental procedure is expensive, this deduction might be yours.

Bottom line

Making sure you take care of maintaining your oral health is essential but it’s also costly even when you’re covered by dental insurance.

If you’re in need of financing treatment to protect good dental health, financing might be an option if you are approved.


customer service
loan amount
credit rating
loan term
consumer access
origination fee
payment plans
credit history
monthly payments