Are you or your family delaying dental treatment due to financial concerns? You’re not alone. According to industry research, nearly half of insured Americans forgo dental care due to cost. The percentage is as high as 65% for those who aren’t insured.
Fortunately, many dental financing options are available to help you get the care you need. In this guide, we’ve listed the five best ways to finance dental work to help you choose the best option for your situation.
Before diving into the specific ways to finance dental work, let’s first review what dental financing is. Dental financing assists patients in paying for the high upfront costs of dental and cosmetic dentistry procedures that are typically not covered by dental insurance.
While dental insurance can reduce the cost of dental procedures, it typically covers only a certain percentage of the total amount, leaving patients with out-of-pocket expenses.
Patients can use dental financing to pay for these expenses, usually dental loans for a set period, with interest applied to the amount borrowed. However, some dental loans do not charge interest if paid off earlier than the due date.
Securing dental financing may look different depending on your chosen route, but these are the usual steps you encounter in securing a dental loan:
But what if your credit score is not good? Credit-challenged individuals still have ways to finance dental work, which we’ll explore in the next section.
While dental work can be expensive, this shouldn’t hinder you from maintaining optimal oral health. The list of dental financing options we share below will help you determine the best—and most cost-effective—option for you to fund your dental work:
We also believe that your dental plans should be between you and your dentist. Whether you need wisdom teeth extracted, a simple cleaning, or emergency dentistry, United Credit’s experienced lender network can help make medical dental, and even veterinary care more accessible.
Dental work can be costly, leading many people to delay or avoid necessary treatment due to financial concerns. However, there are many ways to finance dental work, including in-house payment plans, medical credit cards, 0% APR credit cards, personal loans, and dental financing facilitators like United Credit. These excellent services enable patients to choose the best financing option that suits their needs and budget to receive the dental care they require without the burden of high upfront costs. Don’t let financial concerns hold you back from optimal oral health!
United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.
As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.
Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.
Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.
Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.