How to Pay for Dental Work with Bad Credit

How to Pay for Dental Work with Bad Credit – Overview

How to pay for dental work with bad credit is one of the major challenges faced by consumers. Dental procedures and treatments are expensive.

An aching tooth is often accompanied by a financial headache caused by worry about paying the dentist’s bill.

Considering dental financing for dental treatment in case of bad credit makes it difficult to get a loan approved. Let’s look at the available options for dental financing with bad credit.

Dental Financing – How to Pay for Dental Work with Bad Credit

Good oral health allows you to smile confidently, eat without pain, and reduce your risk of other health problems.

What is Dental Financing

Dental financing is borrowing money to pay for necessary dental care and making monthly installments to repay the amount received. It typically involves fees and interest on borrowed money.

Dental Financing Options

Here are some financing options for necessary dental work.

  • Medical Credit Cards

Medical credit cards can be used to pay for healthcare treatments at providers who accept these cards within a designated network.

After treatment, you owe the credit card issuer and must make payments to them. Often, medical credit cards come with a period of deferred interest.

This implies that you can avoid paying interest if you pay off the balance on time. But if you cannot pay within a time frame, you might have to pay all of the interest.

If not paid off during the deferred interest period, the accumulated interest could be retroactively applied to the original purchase amount, potentially costing more than the initial treatment cost.

Also, some card issuers will check your credit history to determine the loan amount.

Some of the best credit cards for dental financing:

  1. Surge Mastercard®
  2. Indigo® Platinum Mastercard® Credit Card
  3. PayPal Prepaid Mastercard®
  • Personal Loan

Personal expenses like dental work and medical treatment can be paid using a personal loan. These loans are typically unsecured loans where the lender considers your credit history.

You may be denied a loan or pay higher interest if you have lower credit scores. Consider various lenders for personal loans for dental financing, ensuring they are reputable and offer terms suitable for your financial situation

  • Intro 0% APR Credit Card

Instead of using a medical credit card, you may consider using a regular one to pay for healthcare. Some credit cards offer 0% APR in the introductory period.

Once this ends, the APR will be based on your credit and other factors. If you pay the amount in the established time frame, you could finance dental care interest-free.

How to get Dental Financing with Bad Credit?

Personal loans and credit cards often require a credit check where. Bad credit can charge you high interest or even deny your application. In short, getting financing with bad credit can be challenging.

What is Bad Credit

Bad credit typically refers to lower credit scores, with FICO scores below 580 generally considered poor.

Explore multiple financing options through your dental office, including in-house payment plans, even if you have bad credit.

Alternatives to Dental Financing

If you don’t qualify for dental financing or are worried about how to pay for dental work with bad credit, you can consider other options.

  • Shop for Less-expensive Care

Dental fees may vary, and if your dental treatment is not an emergency, you should consider getting a quote from a different dentist.

Consider treatment at dental school clinics, where students provide care under the supervision of qualified dentists at a reduced cost.

These clinics offer care at significant savings. The American Dental Association has a directory that can help you find a dental school.

  • Dentist Payment Plan

Inquire about dental payment plans at your dentist’s office. These plans may allow installment payments and sometimes offer discounts for uninsured patients.

Some dental practices may also allow you to pay in installments. Make sure to ask if the plan charges interest or fees.

  • Eligibility for Government Programs

Medicaid and the Children’s Health Insurance Program (CHIP) provide dental care coverage, with eligibility based on income and other factors, varying by state.

Medicaid coverage for dental needs varies by state. CHIP generally provides dental coverage for eligible children.

  • Set up a Flexible Spending Account

A Flexible Spending Account (FSA) allows you to pay the dentist. You can only get an FSA from an employer as part of a benefits package.


Taking care of your oral health is essential. If you are worried about how to pay for dental work with bad credit, financing can help you smile.

Ensure you understand the terms, conditions, and interest rates associated with dental financing and get the smile back at full shine.

Dental Grants by State

See Also

Dental Grants for Low-Income Adults

Does Medicaid Cover Dental Implants?

Does Medicare Cover Dental Implants?

Government Grants for Dental Implants

Cosmetic Dentistry Grants

Current Version
November 28, 2020
Written By
Victoria Abigail Friedland

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