Dental procedure loans


Dental procedure loans

Everyone wants a great smile. And now the cost of a dental procedure won’t make you frown. We provide loans for dental work including dental implants, veneers, surgeries, and other treatments you need. So you can make your smile your signature.

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What makes our dental loans better than using a credit card?

What makes our dental loans better than using a credit card?

Unlike credit cards, we offer fixed payment amounts with fixed terms for loans for dental work. This gives you greater flexibility and control over how you manage your monthly expenses.

Application Time

In Minutes

Pre-Approval Decision

In Seconds

You can apply online, from anywhere. Simply provide the required information, choose your options, and sign the online agreement. The entire process is quick, simple, and secure.

Benefits of LendingUSA Dental Loans for Bad Credit & Good Credit

Increased  Buying Power

Buying Power

With high loan amounts, you won’t need to settle for services you don’t want.

Affordable  Monthly Payments

Monthly Payments

Select a monthly payment amount that fits comfortably into your household budget.

No  Interest Promotion

Interest Promotion

Pay $0 in interest when you pay off your loan in full within 6 months*.


Dental Loans for Bad Credit & Good Credit

Dental work can be expensive, but necessary, leaving some of us in need of dental financing or dental loans. Even if you have some of the best dental insurance coverage, dental expenses can add up with out-of-pocket costs that are not covered by your insurance. For those expenses, you should consider dental financing through LendingUSA. Dental loans are becoming the new normal as the cost of borrowing and interest rates remain low. 

By financing dental work, you can cover all the costs associated with a dental procedure upfront, and then simply make monthly payments and pay off the total amount over the life of the loan. You won’t have to spend your savings or have to spread the work out over several months to spread out the costs, you can get all the work done immediately and pay for it over time. 

Dental financing is not only for medical dental procedures, you can use financing to pay for cosmetic dental procedures that may have limited coverage on your dental insurance plan. Whether you need dental implant financing or financing for routine dental work, we can help. Keep reading to learn more about dental financing. 

Can you get financing for dental work?

Yes, you can get a loan for dental work. While taking on debt is not always recommended, it can be beneficial if you need dental work that you can’t afford. Putting off dental work can result in pain, discomfort, or a worse dental situation. Often, people will space out their dental procedures over time to spread the costs out to avoid paying large sums of money all at once. In some cases, dental offices will allow you to make payments, but they usually don’t offer lengthy repayment terms. Most dental practices want to make services affordable but also don’t want to interrupt cash flow by allowing patients several months to pay their invoices. With an unsecured personal loan from LendingUSA, you can pay to have all your dental work completed as quickly as the dental office can schedule you for your appointments. Patients can apply directly at LendingUSA or apply through an authorized dental practice that partners with LendingUSA.

Whether you need to pay for braces, veneers, or teeth bleaching, or you need to pay to cover the expenses of a root canal or tooth implant, you can pay for all your dental work all at once and then pay off the total amount with monthly payments. As an added bonus, with LendingUSA, if you pay off the total amount of your dental loan within 6-months from your loan disbursement date, you can enjoy paying zero interest on the principal of your loan amount.

Even if you do not pay off the loan amount within the 6-month 0% APR period that LendingUSA offers, you could still qualify for interest rates that are much lower than what your credit cards can offer. By choosing to finance your upcoming dental procedures with an unsecured personal loan, you could save hundreds or even thousands of dollars over time by locking in a lower interest rate and a defined payment schedule. If you only are making the minimum payment on your credit card after charging your dental work, you could be paying the total amount of your dental bills off for months or even years longer than you need to, costing you much more money in interest payments. 

With LendingUSA, you could prequalify for up to $12,000 to finance any dental procedure or multiple procedures for yourself and others in your entire family. In addition to the 6-months of 0% APR, lendingUSA does not charge any early pay off penalty fees, allowing you to pay as much as you want, when you want. The minimum amount you can borrow for dental work is $1,000. You can also prequalify for any dental loan amount from $1,000 to $12,000  with a wide range of credit scores, even credit scores that would be considered bad credit. The pre-approval process is easy, uncomplicated, and you can get a decision on your pre-approval status within seconds from when you submit the pre-approval application on the LendingUSA website. 

What credit score is needed for dental financing for people with bad credit?

Dental financing is most often done with the use of an unsecured personal loan. Various lenders have different requirements to qualify for a dental loan through their company. The minimum credit score for qualifying for a dental loan ranges from 600 to 660. Some companies may even accept a credit score as low as 580, however, their other requirements including debt-to-income ratio minimums may be higher and you will most likely be required to commit to a higher interest rate.  

When taking out any loan amount in the form of an unsecured personal loan, the better your credit score, the better the terms and conditions of your loan will be. Someone shopping for a dental loan with a credit score of 800 or more, may find it much easier to qualify for a personal loan with the lowest APRs, lowest fees, and best terms including special features like unemployment protection and flexible payments. 

If you are considering an unsecured personal loan through LendingUSA to pay for a dental procedure, we recommend that you try to prequalify on our website no matter what your credit score or credit report may look like.

How do I qualify for dental financing?

Prequalifying for dental financing through LendingUSA is not only easy to do, but it may be the smartest way to find the financing that works best for you and your financial situation. Whether it is a purely cosmetic procedure like teeth bleaching or a medical-dental procedure like a root canal, it does not matter. When you seek dental financing through LendingUSA, you can secure the financing you need for any dental procedure. 

To prequalify for dental financing, simply go to the LendingUSA website and fill out the pre-approval application. By entering in a little personal and financial information into the application, you will be able to find out if you can instantly qualify for up to $12,000 to finance your next dental procedure.

Once you are pre-approved, you will know how much of your dental procedure you will be able to cover with financing and how much you will need to pay from any savings or other sources such as a credit card. If you have even moderate credit, you should be able to finance the entire procedure. This can be a big relief for some patients. Avoiding dipping into savings or using a credit card to pay for dental procedures is usually a smart financial decision.

The pre-approval process has no impact on your credit report. When you fill out the pre-approval application, you are authorizing LendingUSA to complete a “soft pull” credit check. A “soft pull” credit check has no impact on your credit, and your credit will only be impacted if you like the loan offer and you fill out the loan application to acquire the funds. At that time, a hard inquiry credit check will be completed to determine all the final terms and conditions and lock in the interest rate. 

How can I get dental implants with bad credit?

Even if you have bad credit and you need dental implants. LendingUSA may be able to provide lending options that work with your budget. The best way to see what you can qualify for is to complete the pre-approval process on the LendingUSA website. Once complete, you will be able to see what kind of interest rates you can qualify for and how much your monthly payments will be. It doesn’t hurt your credit to pre-qualify, so go ahead and fill out the pre-approval application today. 

Can I get a dental loan with bad credit?

Yes, even someone with bad credit could qualify for a dental loan. Dental loans are seen as a necessary expense and therefore LendingUSA specializes in working with individuals with all types of credit history. Go ahead and fill out the pre-approval application online today to see if you qualify. 

Pros and cons of financing dental work

Anytime you seek to finance an expense, dental or otherwise, there are many pros and cons you should consider. Pros can include not spending your savings, not paying with high-interest credit cards, and immediate funding. Cons might include interest payments and the potential for an origination fee or other penalties for late payments.

Here is a quick recap of the pros and cons of financing dental work:


  • Quick approval process
  • Loan amounts up to $12,000
  • Funding in as little as 24 hours, although funding times may vary
  • Competitive rates and terms


  • Taking on debt
  • Paying interest and other fees (in some cases)

Like any type of financing, there are always pros and cons. The best thing you can do is explore all payment and financing options and then do a cost-benefit analysis to determine which source of financing is best for your individual situation. 


Dental financing can provide the funds you need for any dental procedure exceeding $1,000. Even if you have dental insurance, you may need to use dental financing. Taking care of our bodies and maintaining good dental hygiene is important if we want to maintain quality of life for years to come. If you need to borrow money to pay for a dental procedure or have been wondering how to pay for dental work with bad credit, visit LendingUSA for help. 

Discover the best dental loans and providers. . . apply online today!

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