How to Finance Dental Procedures With Bad Credit

How to Finance Dental Procedures With Bad CreditPhoto by Pixabay

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According to studies, oral conditions are the most expensive to treat. Within the United States, $110 billion dollars is spent each year for oral care. However, many dental treatments aren’t covered under insurance, which leaves many people in need of dental loans.

The good news is, loans for dental work are available if you need them— even if you have bad credit. To learn more about how to finance dental procedures take a look at the options below:

1. In-house Financing

Many dental offices provide in-house financing to help patients pay for procedures. Some also partner with creditors who can provide alternative funding options. This is common in dentist offices that provide services that aren’t usually covered under insurance.

For instance, if you need cosmetic dentistry, your dental provider likely has additional payment alternatives available.

2. Dental Loans

One of the best options for financing dental work is to get a dental loan through Pay My Medical. It’s a great way to get the funds you need to pay the dentist’s office for your procedure.

Pay My Medical loans cover procedures like teeth whitening, root canals, dental crowns, and more. Plus, the loan amounts go up to $25,000. Therefore,  you don’t have to worry about not having enough funds to cover your dental work.

We will match you with lenders that’ll provide bad credit loans for dental work. You don’t have to have good credit, just a steady income of a minimum of 1,000 a month after taxes, plus a few other requirements. Pay my medical makes financing dental work quick and easy.

3. Flexible Spending Account

If you have a flexible spending account, it’s a great option to use for your dental work. An FSA is an account that’s used for out-of-pocket medical expenses.

It’s money that you put aside, on your own terms, that you can use it for any procedure you want, including dental work. You may even have additional funds in the account if your employer helps to contribute to employee FSA’s.

The same thing goes for having a Health Savings Account. Most people use it as a way to cover additional expenses that aren’t covered by the insurance company, like co-pays and deductibles.

If you have either of these accounts, they can be beneficial to pay for your dental procedure. However, if you don’t have one or you don’t want to use the majority of the money in the account, you can always pair with a loan.

For example, if your dental work is $4,000, use half of the funds from your account and the other half from a dental loan.

4. Dental Schools

In addition to getting dental loans, there are other ways that you can save on your oral procedures. Going to a dental school can save you a ton of money. The cost for treatment is significantly less than a standard dental office because dental students are performing the procedures.

It’s a bit of a risk, but it’s worth it if you’re willing to take it. You don’t have to worry much because experienced dentists closely watch the students as they perform the procedures.

The good thing about this option is that you won’t have to take out a large dental loan to get your work done. When you save money on the overall cost of your procedure, the less you’ll have to borrow for dental financing.

5. Credit Card

 A credit card is another option for financing dental work. If your card has no interest or a very low-interest rate, then it’s a good payment alternative.

However, if you have bad credit, you may not have a low-interest card. If not, you can always combine by the funds that you have on your credit card along with a dental loan. That way, you don’t have to max out your card.

6. Dental Insurance

 If you need to get an extensive dental procedure, chances are your dental insurance won’t cover it. In most cases, they’ll only provide money towards a portion of the procedure.

On the other hand, if want cosmetic dentistry, they may not cover it all. However, that doesn’t mean you shouldn’t inquire about getting help paying for your procedure.

For example, if you’re getting dental crowns as a result of gum disease, your dental insurance may be willing to provide money towards it. Usually, if the reason for the dental procedure is due to oral disease, they’ll contribute towards the cost.

Again, you can always use a dental loan to pay for the remainder of what the insurance doesn’t cover.

7. Shop Around

If you’re looking to save money on your dental procedure, it requires a bit of research. Even if you’ve gone to a particular dentist’s office for many years, it may be worth it to branch out and go somewhere with lower prices.

Research to see if there are any programs for dental work in your area. Sometimes community dentists provide work to clinics in low-income areas or for the elderly.

Also, look for discounts. Some coupon apps provide discounts on dental work. You probably can’t get a reduced price on a root canal, but some dentist offices will run specials for teeth whitening treatment.

Getting a lower price for your procedure makes it easier to get dental financing.

Dental Loans at Your Fingertips

If you’re looking for dental loans, Pay My Medical is the place to get them. Our automated application will connect you with a lender that’s willing to provide financing for your dental work. Upon approval, funds will be sent and you can get your procedure as soon as possible.

 If you have any questions about our services contact us online.

We look forward to helping you get a better-looking smile!

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