How can you get dental loans with bad credit?

Question

A dentist may offer payment plans, but not all dentists do. A payment plan spreads out the cost of a dental procedure over time, whether it’s a filling, root canal, set of dentures, etc. Payment plans are especially useful for people who don’t have dental insurance, or whose dental insurance doesn’t cover the full bill. Dental costs often can be too expensive to pay all at once, with procedures like dentures costing $1,000 to $3,000 and braces...

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Answer 1 · 2020-08-20 13:34:26

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misiewiczjennifer1978, Member

@misiewiczjennifer1978 • 08/20/20 This answer was first published on 08/20/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I have tried many times with several different companies and with different low to bad credit scores and always been turned down.I have seen ads online that say bad credit no problem but I have yet to find one.

Answer 2 · 2019-11-19 11:49:52

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Adam McCann, Financial Writer

@adam_mcan • 11/19/19 This answer was first published on 11/04/19 and it was last updated on 11/19/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, it is possible to get dental loans with bad credit, but it won’t always be easy to find an offer with decent terms and approval requirements that you can meet. The best way to get a loan for dental work with bad credit is to take out a personal loan from LendingPoint, Achieve Personal Loans or Avant. While none of these lenders specifically offer loans for dental financing only, their personal loans can be used for nearly any expense, including dental procedures like checkups, fillings, oral surgery, dentures, braces and more. All of them consider applicants with bad credit without requiring any collateral, so there’s no need to put personal possessions at risk to take care of your teeth.

There are also some online lenders that do offer loans specifically for dental procedures and advertise bad credit acceptance. But they tend to either have very high APRs or not provide much information about their terms. Your best bet is getting a personal loan.

Best dental loans for bad credit:

LendingPoint: Requires a credit score of 580 or higher. APRs of 9.99% - 35.99%. 0% - 6% origination fee.
Achieve Personal Loans: Requires a credit score of 620 or higher. APRs of 5.99% - 29.99%. 0% - 5% origination fee.
Avant: Reportedly requires a credit score of 600 or higher. APRs of 9.99% - 35.99. Up to 4.75% origination fee.

It’s also good to note that you don’t necessarily have to take out a loan to pay for dental work, even if you can’t afford the procedure(s) in cash. Depending on how big the expense is, you might be able to put it on a credit card – preferably one with an introductory 0% APR. You won’t be able to qualify for one of these cards with bad credit. But if you have a friend who can qualify, they might be generous enough to add you as an authorized user.

It’s also possible that your dentist might offer their own financing plans, so check with them before borrowing. Just make sure to review the terms carefully if plans are available.

How can you get dental loans with bad credit?

misiewiczjennifer1978, Member

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Adam McCann, Financial Writer

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