How to Pay for Dental Work with Bad Credit?

How to Pay for Dental Work with Bad Credit 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.

How to Pay for Dental Work with Bad Credit - Procedures & Treatments

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

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 all at once and then making monthly installments to pay back the amount received. It typically involves fees and interest on the 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 to 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 are unable to 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 if it is the right option for you.

Also, some card issuers will typically check your credit history to lend the 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 have to 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 credit card 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 to be below.

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

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 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 the full shine.

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About the Author

Abigail Friedland
I am a medical student who dedicated herself helping individuals and non profit organizations for finding medical grants for medical bills, medical treatment, medical education, research and medical equipment.

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