Dental loans
A dental loan is a personal installment loan used to cover the patient portion of a dental bill, implants, crowns, root canals, braces, Invisalign, or cosmetic dentistry. Funds go to your checking account so you can pay the dentist directly and avoid in-office financing programs that often carry deferred-interest terms.
Why apply here.
- 01Cover implants, crowns, Invisalign, braces, root canals, cosmetic work
- 02Loan amounts from $500 to $50,000
- 03Fixed APRs typically 7.99% to 35.99%
- 04Avoid deferred-interest dental credit cards
- 05Pay the practice directly and lock in any cash-pay discount
About this loan.
Personal loan vs CareCredit for dental work: which costs less?+
CareCredit's 0% promotional offers can be cheaper than a personal loan if (and only if) you pay the balance in full by the end of the promo window. Miss that, and CareCredit charges deferred interest from day one, often at 25%+. A fixed-APR personal loan has no deferred-interest trap.
Does my dentist need to be in a network?+
No. Personal loan funds go to your checking account. You can pay any licensed dentist or orthodontist directly, including practices that don't participate in CareCredit or LendingClub Patient Solutions.
Can I get a discount for paying cash?+
Many dental practices offer 5% to 10% off the patient portion for cash-pay or single-payment patients. A personal loan funds you upfront, so you can negotiate the cash-pay rate and use the loan to cover it.
Is dental work tax-deductible?+
Medically necessary dental expenses may be deductible if you itemise and total medical costs exceed 7.5% of your AGI. Purely cosmetic dental work is not deductible. Consult a tax professional.