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How to Get Dental Implant Financing with Bad Credit

Young Woman Looking At Mirror With Smile In Dentist’s Office stock photo

Did you know that around 26% of seniors aged 65 and older have eight or fewer teeth? Tooth loss affects millions of Americans yearly due to injury, tooth decay, and periodontal disease. In fact, tooth decay is the most common chronic disease in the U.S. for people of all ages.

While treatment options were once limited to dentures and bridges, new dental implants and procedures have become a popular and effective method of replacing missing teeth.

Unlike bridges and dentures, dental implants pose no risk to nearby natural teeth, do not cause mouth sores, and are the closest option to natural teeth. However, they can quickly become expensive, especially if multiple teeth need to be replaced or patients lack an adequate amount of healthy jawbone. Many people turn to financing to get the care they need.

But what should you do if you have less-than-stellar credit? While you may think dental implant financing with bad credit is impossible, if you follow a few best practices, you’ll be more likely to get the treatment you need at a cost you can afford.

Below we cover the process and benefits of getting a dental implant as well as how to pay for dental implants with bad credit.

The Benefits of Getting Dental Implants

Dental implants can make many aspects of everyday life easier, such as eating and speaking. But perhaps the greatest advantage of dental implants is the boost they can give to your self-esteem. Dental implants can help you look and feel healthier.

Other benefits include:

  • Improved appearance and self-esteem
  • Easier eating and drinking
  • Better oral health
  • Enhanced comfort over removable dentures
  • Superior durability compared to bridges and dentures
  • Improved speech
  • Reduced bone loss in the jaw
  • Maintained facial structure

The Three Types of Dental Implants

Three types of dental implants are available, and the best type for a patient is determined based on a variety of factors.

The amount of bone loss in the jaw is a major influence on the type of implant available to the patient. Significant bone loss may require a bone graft or an implant with a larger frame to support a tooth. In some cases of severe bone loss, a patient may not be a suitable candidate for dental implants.

  • Endosteal Implants: This type of implant is the most common and is best suited for patients with healthy jawbones. Screw-shaped posts are placed into the jawbone to hold one or more replacement teeth.
  • Subperiosteal Implants: If you don’t have enough healthy jawbone for endosteal implants, you may be a candidate for subperiosteal implants. The posts are placed below your gums and on or above your jawbone to hold the replacement teeth.
  • Zygomatic Implants: The least commonly used implant, zygomatic implants can be used for patients who don’t have enough jawbone for other types of implants. Instead of being placed in the jawbone, implants are placed in the patient’s cheekbone.

Dental Implant Procedures

Those considering this procedure frequently worry that dental implants are painful. Dentists and oral surgeons who perform this type of reconstructive dentistry have various sedation methods available to eliminate pain during the procedure. Any post-operative pain or discomfort can be controlled using pain medication.

The procedure itself can be complex and may require multiple stages. Once a plan is made for placing the implants, the process includes the following steps:

  1. Implant Placement: The implants are usually placed first, with temporary dental crowns.
  2. Permanent Crown Placement: Once the bone fuses around each implant, the permanent crown can be placed.

Some patients may have a tooth extracted and the implant inserted on the same day. The dentist will determine a method that has the best chance of success.

The Cost of Dental Implants

The cost of dental implants can vary greatly. A single implant may start at $3,500 to $4,000, assuming the procedure is uncomplicated. More complex implants, bone grafts, or the implantation of multiple teeth can dramatically increase costs. Many people can’t afford to pay for the procedure upfront, which is why financing is often a good solution.

How to Pay for Dental Implants With Bad Credit

If you’re considering tooth loss treatment, you may wonder how to finance dental implants. Fortunately, you have several available options.

Apply for Financing

While your credit history will affect loan terms and approval rates, getting dental implant financing with bad credit may still be possible. Financing is one of the easiest ways to cover implant-related expenses because most insurers do not cover dental implants. You may also be able to use a co-signer if you cannot qualify on your own.

Price Shop

You may be able to reduce the cost of dental implants by calling around to several dental practices, as prices vary between dentists. Implant costs can also differ depending on implant types and procedures.


Online fundraising through crowdsourcing websites has become easier than ever. You can try popular websites like Fundly or GoFundMe and ask friends and family to donate to the cause.

Get Help with Dental Implant Financing from United Credit

If you need dental implant financing with bad credit, United Credit is here to help. We work with a broad lending parent network to help you find the best financing options, and you may qualify for financing even with a less-than-ideal credit score.

Apply now for affordable financing and discover your options today.

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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.

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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.

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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.

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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.

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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.