In House Dental Financing with Bad Credit: Sources & Options

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Last Updated on January 25, 2024 by Lori Pace

Many patients who can afford dental care are turned away due to the discomfort and high cost. On the other hand, if you can’t pay for a procedure, thousands of Americans are like you. However, there are some loans for In-House Dental Financing with Bad Credit that you can consider.

On the other hand, you can consider the option to apply for Government Loans if you are eligible. Moreover, we suggest you check your insurance plan for dental coverage.

The average yearly cost of dental treatment increased by 23%, according to data from the Agency for Healthcare Research and Quality of the US Department of Health & Human Services. The expenses were also higher in 2015, leaving 29% of Americans without dental insurance. Dental Insurance only covers 43% of the treatment costs for those who are fortunate. Here is where loans for lousy credit dental work come in handy.

What are Loans for Dental Work?

What Are Loans For Dental Work 1

For those whose insurance does not cover dental treatment or only a portion of the cost, financing is an option. Due to increasing awareness about the importance of dental care for all, more private and public sources offer loans for dental work for adults, even those with poor credit ratings.

Dental financing works in the same way as any other loan. Hence, the recipient must repay the loan amount each month. Additional fees, charges, and interest may be added to the loan amount to repay it.

Top Sources to Get Loans for Dental Financing with Bad Credit

Private Financing

The local dentist will recommend a few private or in-house loan sources to help patients get complete dental care. So, ask your dentist if they offer financing through third-party lenders or payment plans.

Each source will have different terms and conditions. For example, some lenders will offer loans with no down payment. However, others may require that the recipient make a down payment depending on the lender’s criteria.

Some lenders may also conduct a credit check before granting loans for lousy credit dental work. When applying for loans from private lenders, it is good to verify for high fees or APRs.

Intro 0% APR Credit Card

Intro 0 Apr Credit Card 1

These credit cards are similar to normal ones, but they offer an introductory 0% APR for balance transfers and purchases for a specific period. The credit card’s APR will be recalculated based on credit and other factors at the end of the period.

You can get a loan interest-free for dental work if you repay the loan amount in full within the introductory period. This is usually 12 to 21 months. You may be charged interest on any balance that is not paid within the introductory period. If you do not repay the loan amount as per the lender’s terms, the intro rate will be forfeited.

Personal Loan

You can also finance your dental work by getting a personal loan. Many sources do not take into account bad credit ratings when funding applicants. Lending companies will lend money for personal or medical work. You don’t need to put up collateral to get these loans.

Even though people with poor credit may be eligible for a personal loan to pay for dental treatment, they will still have to pay a higher interest rate.

Medical Credit Card

Many large money-lending organizations offer special medical credit cards. These cards function in the same way as regular credit cards but can only be used to obtain medical or dental treatment.

After your medical credit card has been approved, you can use it for dental treatment. A few medical credit cards have a ‘deferred-interest’ option that allows you to waive the interest amount if you are able to repay the loan capital within a certain time frame.

Loans for Dental Financing with Bad Credit Options

Bad credit loans can be used to finance dental care. These loans can help bridge the gap and get you the care that you need.

It is already frightening to go to the dentist. Add in the high costs and it becomes even more difficult. High costs are what prevent most people from seeking dental care. It is easier to get a loan for dental care if you have a good credit score. People with poor credit will need to work harder. There are still loans available. All you have to do is work hard to find the right lender. Sometimes, higher rates may be required.

Available Options

An average filling will cost around $100. However, major problems can cause significant increases in costs and additional visits. These are some options that may help you make arrangements with your dentist for payment. The following list was created using a very basic search that we did. Before applying for a loan, do your research. Make sure you apply for dental grants from both government and non-profit organizations first.

Personal Installment Loans

Personal instalment loans are a good option if you need to finance a large amount. You can repay them through monthly instalments over the term of the loan. You will find lower interest rates for personal instalment loans. However, it is worth looking around to ensure you get the best rate. 

They provide a quick, reliable, and secure loan process. The loan amount can be between $500 and $10,000. Funds are transferred directly to the account of the receiver. For between 3 and 72 months, the interest rate is 5.99% to 35.99%. For more information, visit

Bad Credit Loans

These lenders provide information to help you make informed decisions about which loan options are best suited for your needs. Several financial service providers and personal loan lenders can offer loans to dental work for people with bad credit. These include loans from $500 up to $5,000. The interest rate ranges from 5.99% to 35.99% over a term of 3 to 60 months. For more information, visit Bad Credit Loans 

Send your loan request to get the best offers. The lender network is large and provides quick loan decisions. The loan amount can be as low as $500 and up to $35,000, with interest rates of 5.99% to 35.99% over a term of 3 to 72 months. For more information, visit

Short-Term Loans

Accidental incisors or access-driven toothaches are serious problems that can lead to severe pain and even death. This can lead to a dental problem that is frequent.

You may use these loans for small amounts of up to $2,500 and are typically for a period of less than six months. These loans typically have the highest APR. Compare the fees and rates carefully.

Cash Advance

Cash Advance is the best option for unexpected expenses or emergencies. This service is free and helps customers quickly connect with lenders that offer loans for people with bad credit. The loan amount can be between $100 and $1,000. A decision on the loan is made in minutes. Funding is available after the loan approval. For more details, visit Cash Advance.


MoneyMutual provides quick and easy access to lenders. To receive funding, you only need to complete a 5-minute form. Lenders can provide financial assistance for emergencies within 24 hours. The loan amount can be up to $2,500, and the loan term and interest rate may vary. For more information, visit the Money Mutual website.

Credit Cards for Dental Financing with Bad Credit

Using credit cards can be a smart way to pay for even minor dental procedures. However, credit cards with bad credit will not have a lower APR, but they are typically less expensive than short-term loans if the balance is paid off quickly. These are just a few of the options worth considering:

  1. Surge Mastercard
  2. Indigo Platinum Mastercard Credit Card
  3. PayPal Prepaid Mastercard

When you open a new account, there is an annual fee for financing dental bills. However, be careful about the credit limit you have left. And this can cause credit scores to drop.

Of course, Bad Credit is the main cause.

Tens of thousands of Americans are denied proper dental care due to funding. Bad Credit mainly causes these cases. Fortunately, you can now apply for and receive loans for dental work even if your credit is not perfect. Bad credit and dental problems can be costly—effective ways to finance essential procedures and restore your smile to its full glory.

Lori Pace
Lori Pace

Lori Pace is a single mother of three daughters ages 7 and under. As a working mom from home, she balances kids, work and two crazy dogs with humor and love. Follow Lori as she honestly gives tips and advice based on her own experiences as a single mom!