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Financing Cosmetic Dentistry: Enhancing Your Smile Without Breaking the Bank

A bright, confident smile can make a world of difference in both personal and professional settings. Cosmetic dentistry is a rapidly growing field that aims to enhance the appearance of your teeth and smile. From whitening treatments to dental veneers, there are a variety of procedures available to meet your unique dental needs. However, cosmetic dentistry can be pricey, and insurance often doesn’t cover these elective treatments. Fortunately, there are financing options available to help you afford the smile of your dreams. In this blog post, we will explore the world of cosmetic dentistry, discuss the costs associated with various procedures, and provide an overview of payment and financing options.

What is Cosmetic Dentistry?

Cosmetic dentistry refers to dental procedures that are primarily focused on improving the appearance of your teeth and smile, rather than addressing oral health issues. While traditional dentistry emphasizes the diagnosis, prevention, and treatment of oral diseases, cosmetic dentistry prioritizes aesthetics. This field combines the precision of dental science with artistic skill to create natural-looking and long-lasting results.

What Cosmetic Dentistry Procedures are Available?

There is a wide range of cosmetic dentistry procedures available to address various aesthetic concerns. Some popular treatments include:


Teeth Whitening: Whitening your teeth is one of the most commonly requested cosmetic dentistry procedures. Teeth whitening treatments can be performed in-office or at home using customized bleaching trays. The cost of in-office whitening ranges from $300 to $1,000, while at-home kits can cost between $100 and $400.


Dental Veneers: Veneers are thin, custom-made shells made from porcelain or composite resin that are bonded to the front surface of your teeth. They can correct a variety of imperfections, such as discolored, chipped, or misaligned teeth. Veneers typically cost between $900 and $2,500 per tooth.


Dental Bonding: This procedure involves applying tooth-colored composite resin to repair chipped, fractured, or discolored teeth. Dental bonding is a relatively affordable option, costing between $100 and $400 per tooth.


Dental Implants: Implants are a long-lasting solution for replacing missing teeth. A titanium post is surgically placed in the jawbone, and a custom-made crown is attached to the post. Dental implants can cost between $1,500 and $6,000 per tooth.


Invisalign or Clear Aligners: These clear, removable aligners are a popular alternative to traditional metal braces. They can correct mild to moderate orthodontic issues and are virtually invisible. The cost of Invisalign or other clear aligners ranges from $3,000 to $8,000, depending on the complexity of the case.


Dental Crowns: Crowns are tooth-shaped caps that are placed over a damaged or weakened tooth to improve its shape, size, strength, and appearance. They can be made from various materials, including porcelain, porcelain fused to metal, or metal alloys. The cost of dental crowns ranges from $800 to $3,000 per tooth.


Gum Contouring: Also known as gum reshaping, this procedure involves reshaping the gum line to create a more even and aesthetically pleasing appearance. The cost of gum contouring ranges from $50 to $350 per tooth, depending on the extent of the treatment.

How Can I Pay for Cosmetic Dentistry?

Although insurance typically does not cover elective cosmetic dentistry procedures, there are several payment and financing options available to help make these treatments more affordable:


Dental Discount Plans: These plans provide discounted rates on dental services for an annual membership fee. Many dental discount plans include savings on cosmetic dentistry procedures, making them a cost-effective option for individuals without dental insurance or those seeking elective treatments. Be sure to research available plans in your area and confirm which procedures are covered before signing up.


Payment Plans: Many dental offices offer in-house payment plans, allowing patients to pay for their treatments in installments over a specified period. This can make it easier to budget for cosmetic dentistry procedures without the need for outside financing. Be sure to discuss payment plan options with your dentist and review any associated fees or interest charges.


Credit Cards: Using a credit card to pay for cosmetic dentistry procedures can provide flexibility in terms of repayment. Look for a card with a low-interest rate or an introductory 0% APR offer to minimize the cost of borrowing. Be mindful of your credit limit and the potential impact on your credit score when using a credit card to finance dental treatments.


Personal Loans: Personal loans from banks or credit unions can be used to finance cosmetic dentistry procedures. These loans typically have fixed interest rates and set repayment terms, allowing for predictable monthly payments. Be sure to shop around for the best interest rate and loan terms before committing to a personal loan.


Dental Schools: Some dental schools offer discounted rates on cosmetic dentistry procedures performed by supervised students or faculty. While this may not be an option for everyone, it can be a cost-effective way to access cosmetic dentistry treatments. Be prepared for longer appointment times and limited availability when seeking treatment at a dental school.


Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): If you have an FSA or HSA through your employer, you may be able to use these pre-tax funds to pay for certain cosmetic dentistry procedures that are deemed medically necessary, such as dental implants or orthodontic treatment. Check with your plan administrator to determine which procedures are eligible for reimbursement.

Financing cosmetic dentistry is an important consideration for those looking to enhance their smile. With various procedures available to address aesthetic concerns, it’s essential to research costs and payment options to make informed decisions about your dental care. By exploring dental discount plans, payment plans, credit cards, medical credit cards, personal loans, dental schools, and tax-advantaged accounts, you can find a financing solution that meets your needs and budget. With the right approach, you can achieve the smile you’ve always wanted without breaking the bank.

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.

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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.