In most cases, dental issues can be an emergency and require to be addressed with immediate effect. However, most of these procedures can be expensive and may not be catered from out of pocket. This is where dental financing comes in handy.
We found some of the top-rated online loan marketplaces including iPaydayLoans, US Installment Loans, WeLoans, PersonalLoans, and BadCreditLoans, for you to get financial support even with terrible credit backgrounds. These online loan brokers partner with lenders that offer different types of loan services without credit checks up to $5,000 such as payday loans, installment loans, and cash advance services. You can apply for these loans to cover emergency medical bills or use them as dental financing.
Where To Get Dental Financing With Bad Credit
iPayDayLoans
As the name may already suggest, iPayDayLoans works to connect payday lenders with borrowers, and it is a quick way to get your dental work done with their bad credit loan services. They are worth considering if you are looking for short-term financing of between $50 to $5,000. The entire process is quick and you may get the funding within 24 hours.
US Installment Loans
US Installment Loans caters to borrowers with fair or poor credit scores. It is also a great option if you want dental financing that is payable in installments. Here, you can find lenders that offer financing solutions for personal expenses up to $5,000 without hard credit evaluation.
WeLoans
You don’t need a good credit score to access huge financing for your dental work. WeLoans can connect you with lenders that offer fast approval of bad credit loans of up to $35,000. There is no minimum credit score required and the rates are competitive since you get to shop from a wide pool of lenders.
PersonalLoans
If you are looking for personal installment loans with bad credit to finance a dental procedure, PersonalLoans can help. Their extended lender network is reputed in the market for years and can help you secure financing starting from $500 to $35,000. The financing will be quickly disbursed into your account and usually has a repayment period of between 3 and 72 months.
BadCreditLoans
If you are having a difficult time finding a loan for dental financing, you may want to contact BadCreditLoans for help. This online loan website partners with a large network of reputable lenders and will ensure that you get loans for dental work regardless of your credit score. Usually, the loan providers offer a loan amount of between $500 and $10,000 with a repayment period ranging from 3 to 72 months.
My Credit History is Terrible. Can I Still Get Dental Financing?
Usually, poor scores are considered between 600 to 580 and below. It will be a challenge to get finance solutions if your credit score falls into that range, but it doesn’t mean it is impossible to get loans with such unpleasant credit background.
You can apply for a loan from third-party loan brokers like iPaydayLoans and use it to cover dental bills. Thanks to the wide pool of lenders on their network, these loan brokers can connect you with creditors that will consider your repayment capacity over your credit score. After providing solid proof of income and employment status, you can worry no more about your credit score and receive instant loan approval right away!
What are the Alternatives to Dental Financing?
If you tried and weren’t able to get qualify for dental financing from loan providers, you can consider the following options as well.
- Negotiate a Lower Bill - Dental services can be expensive, but the charges of each facility may be different. Therefore, it helps to know how much you will spend at the dentist’s office to determine if it's within your budget. If not, you may want to research other dental services and negotiate your bill if possible. Price matching is the legal process that protects customers from unreasonable price tags.
- Opt for Affordable Dental Services - Another way to cater to your dental finance issue is to settle for less expensive treatment. This is especially true if the treatment is unnecessary or not covered in your dental insurance plan. You can also consider smaller dental offices that offer discounts for their services to help you afford your dental financing.