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 within a specific network to pay for healthcare treatments. It is only available to pay for healthcare that accepts the card.

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

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

Sometimes, the accumulated interest can cost you even more than treatment. So make sure it is the right option for you.

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.

Best personal loans for dental financing:

  4. MoneyMutual
  • Intro 0% APR Credit Card

Instead of using a medical credit card, you may consider a regular one to pay for healthcare. There are credit cards that 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 Pay for Dental Work with Bad Credit - Finance Dental Care

How to Pay for Dental Work with Bad Credit – Personal Loans & Credit Cards

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 means that you have low credit scores. According to the credit-scoring model, FICO scores below 580 are considered below.

You can ask your dental office about the various financing options available if you don’t have good credit. Also, you can still get dental treatment if you don’t qualify for affordable financing.

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, consider getting a quote from a different dentist.

Dental schools can help with dental clinics where dental students provide care under the supervision of experienced dentists.

These clinics offer care at significant savings. To find a dental school, check out the directory from the American Dental Association.

  • Dentist Payment Plan

You can ask for a dental payment plan that helps in negotiating the total cost. Some dentists offer discounts to support uninsured patients to get their cost of care.

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

People with minimal earnings or who are unemployed are also eligible to get care through Medicaid or the Children’s Health Insurance Program.

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.

How to Pay for Dental Work with Bad Credit - Paying for Dental Bills

How to Pay for Dental Work with Bad Credit – Financing to Help You Smile


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.

Make sure to 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

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