More results...

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors

5 Ways to Finance Dental Work

Male dentist reviewing dental extray with female patient.

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.

What is Dental Financing?

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.

How to Get Approved For Dental Credit

Securing dental financing may look different depending on your chosen route, but these are the usual steps you encounter in securing a dental loan:

  • Pre-qualification: Most dental financing providers offer free pre-qualification assessments to provide loan applicants with an estimation of their annual percentage rate (APR). Comparing as many lenders as possible is recommended to determine which option suits your particular needs.
  • Application: After assessing your options, select a provider that matches your needs, budget, and preferences, then submit a formal application. You’ll typically be required to provide basic personal information and submit income documents such as pay stubs and bank statements. Lenders will usually assess your credit score to determine your eligibility for their program.
  • Approval: If you’re approved, the lender will send a loan agreement for signing. Make sure to review the document before signing. After this, your lender will typically send the money within a few business days.

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.

5 Smart Ways to Finance Dental Work

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: 

  1. In-House Payment Plans: One of the simplest ways to finance your dental work is through the payment plan provided by your dentist’s office. Some dentists offer in-house financing, allowing patients to spread the cost of their dental procedures over several months with low-interest rates. 
  2. Medical Credit Cards: Medical credit cards are similar to most credit cards, but you can only use them to finance medical procedures. They often come in terms of 12, 18, or 24 months, with a promotional introductory 0% APR interest period for the first 6–18 months. However, depending on your provider, the interest rates for medical credit cards can shoot up to 29% APR once the introductory period is over. 
  3. 0% APR Credit Card: Individuals with excellent credit scores can qualify for 0% APR credit cards. These cards feature an attractive introductory period (typically up to 18 months) where you won’t accrue interest on your credit card charges. If you manage to pay for your procedure before the promotional period, you won’t pay any interest at all. 
  4. Personal Loans: Another way to finance dental work is through personal loans. With this approach, you’ll borrow money from lenders or financial institutions to use for various purposes. They typically don’t require collateral and come with fixed interest rates and repayment terms, making them a more favorable option than credit cards. 
  5. United Credit: United Credit provides patients and credit-challenged individuals access to the industry’s best dental payment plans throughout our lending partner network. Our network of dental lenders give  you access to flexible payment plans and finance options. These allow you to pay for dental care with a low monthly rate that fits your budget and lifestyle. And United Credit’s lender network never charges application fees, making it even easier and more affordable to access great dental healthcare, including services such as:
  • Bone graft surgery
  • Braces
  • Ceramic crowns
  • Dental filling
  • Dental veneers
  • Exams and X-rays, including digital X-rays
  • Gum disease treatment
  • Invisalign clear braces
  • Missing teeth
  • Oral cancer screenings
  • Oral surgery
  • Orthodontics
  • Pediatric dentistry
  • Porcelain veneers
  • Restorative dentistry
  • Retainers
  • Root canal treatment
  • Sedation dentistry
  • Sensitive teeth dental plans
  • Sleep apnea treatments
  • Teeth cleaning
  • Teeth whitening
  • Tooth extractions
  • Tooth pain treatment plans
  • Wisdom teeth removal

At United Credit, we believe everyone should have a fair chance at accessing regular and emergency dental care for themselves and their families.

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.

Secure Your Dental Financing with United Credit

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.

Follow us on social:

Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

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 Libman

Founder & President

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.