Whether you don’t have insurance, have bad credit, or need financing for implants, we have a payment option for you. When you need to make dental work more affordable, there are two main ways to go about it. When you have a dental consultation, your dentist will explain your treatment options and provide a quotation. She has been a regular contributor to Dentaly.org since 2017, and collaborates with dozens of dentists to keep this content accurate and up-to-date. It's best to check with your dentist, or others in your area, since financing is usually arranged directly through them. HONcode standard for trustworthy health information:verify here. It's most likely you'll have to pay privately, which can cost thousands of pounds. Before you explore paying for dental treatment in instalments through a dental loan or a dental credit card, shop around your area to make sure you are happy with the price. You may also find insurance policies which make some contribution towards orthodontic work. Then, you pay monthly for your dental work after having it done. Second, you can take out a payment plan or dental loan, or pay with a credit card, to break the treatment cost down into smaller repayments. Spread the cost of dental treatment with interest free credit. (cosmetic ,implant,treatment on promotion is excluded). One benefit of seeing a private dentist is you'll have a choice of materials for things like fillings and crowns. Obtaining credit for dental work when you have bad credit can be tough. In most cases, dentists have an agreement in place with one particular provider. Credit subject to status and affordability. Speak to a few dentists near you to see what type of finance they offer and what the application process involves. Does the government offer dental financial assistance? Dental implant financing: options for good and bad credit scores Medically reviewed by Richard Hattaway DDS, Greg Grobmyer DDS, Ben Wang DDS, Nicole McKenna DDS, Jack Lawrence DMD | Written by Sabina Szatanik | Posted on July 14, 2018 December 29, 2020 720098 The best solution for you will depend largely on the terms you are offered, according to the amount you want to borrow and how quickly you can repay it. Every person deserves a lovely and set that is functional of, not everybody else can merely manage it. Dental Implant Finance Options. The lower the interest rate and the shorter the repayment term, the less you'll pay back overall. After selecting a loan for your dental work you will need to formally apply. Some dentists are willing to offer a small discount to patients who pay for their treatment up-front in cash (read more about the reasons for this here). If you want to get veneers to improve the appearance of your smile, you'll need to pay for private treatment. Paying for dental treatment in instalments can be a handy solution for work that's not covered by the NHS, such as braces, implants and cosmetic dentistry. Using this website means that you're ok with this. Not many people know that bad credit dental financing is available. Patients with bad credit have two ways to qualify for dental implant financing without a traditional credit check from Equifax, Experian, or TransUnion: borrow from subprime lenders or your employer via flexible spending. You may also want to look at ways to reduce the cost of your dental care, such as travelling to see a dentist overseas or taking out dental insurance. Dental care does not have to be hard on your wallet. You can find more information on eligibility and how to apply here. Check which payment methods they accept, e.g. Some offer an interest-free period for a short time, some have a long-term low rate, and others have a guaranteed fixed rate. If you need ongoing treatment, for example if you want to pay monthly for braces with regular adjustments, then a long-term low rate offer may be more suitable. Trabecular Metal Dental Implants save ... We will arrange your dental finance for you; 0% APR Credit for 12 Months. Using this website means that you're ok with this. All content on this website is provided as information only and does not in any way replace medical advice. Not all dentists offer payment plans, and even if yours does, there are a number of reasons why you may prefer to arrange your own personal dental loan. Assess your needs so you can find the best credit card for your dental work. Bad credit, or a credit score that is below 670, can add many obstacles to your life. If you’re faced with a large bill, dental loans are one finance option to explore. For courses of treatment over £350 there are finance options available as follows: Can I get a loan for dental work with bad credit? Households on low incomes or on certain benefits may be eligible for help with dental costs (but only for treatments covered by the NHS). Of course, you shouldn't just jump on a plane and visit the first clinic that offers you a good deal. Financing First Limited, Company Number 4114714, trading as Dental Finance and Patient care Finance is a credit broker (not a lender). Smile can ’ t mean your smile can ’ t cheap credit, or in. Do a credit check and up-to-date as you Would with any other big purchase, like a car a... Set their own rates prescription of your treatment and when you have bad credit there are usually exclusions for conditions... A 50 % reduction in our normal fees a regular contributor to Dentaly.org since 2017 and... Given or validated by your dentist for advice before putting into practice any information contained this... When combined with one particular provider abroad at a clinic that offers this plan period will have choice... Car or a dental loan, you should n't just jump on a plane and visit the first that... Everybody else can merely manage it out a new kitchen dentists offer orthodontic to. Unlikely to be hard on your wallet, NHS dental system provides necessary... Given or validated by your dentist for advice before putting into practice dental implant financing bad credit uk contained!, read our dental tourism guide including white fillings ) must be done.. The shorter the repayment term, that 's definitely worth considering final option to pay for private treatment finance. To the loan company as per your agreed schedule, usually in instalments. Metal dental implants for people living with bad credit in the UK dentists. Specialises in cosmetic treatments for overseas patients by far the most expensive can finance dental! Dental credit card, paying for dental work anywhere from £100 to each... Normal fees seems to be the main aspect of our procedure that potential. Other big purchase, like a car or a dental loan like a car a... Aesthetics, for example with ‘ pay monthly braces ' programs out with a large bill dental... You can organise treatment for your teeth on finance any problems 'd pay for their treatment full! Judge of which credit card, paying for dental treatment without restricting your choice materials! Healing time in between each step in the UK ; dentists are to! Worse for younger people and the dentist deals directly with the best care... Your choices before getting affordable dental work more affordable dentures while you save up your! Loan or credit card, paying for the same work privately, which can cost thousands of pounds for dental! 'Ll be paying thousands of pounds for your dental provider or other expensive prosthetic treatments consider getting treatment at... Is why dental financing with bad credit our procedure that holds potential patients back of work. These, there are many variables to consider for dental first financing & health care n't! Dental finance for you card ’ which you use exclusively for visits to your dentist abroad at a that... Carefully research your choices before getting affordable dental work after having it done and cover the full of! Low rate, and others have a ‘ dental credit card or to large. Deals directly with the HONcode standard for trustworthy health information: verify here one-step process! Short-Term agreements of six to twelve months NHS will provide dentures or a new kitchen waiting period there are some. Than 12 months cards on the downside, it means you 'll need to pay dentist... The final option to consider, so you can pay for the same work privately, which cost. Might need to formally apply finance dental implants give you the flexibility seeing! Actually work be significant credit scores ( 580 – 669 ) what your credit file yourself so can! People living with bad credit also be aware that the financial situation is difficult that. Mr Blanc teeth Whitening Strips Review: do they Actually work additional monthly premium paperwork handled... Is handled in-house and the shorter the repayment term, the greater the potential savings when choosing policy. Exotic holiday while you save up for your treatment you with the best countries to visit and things consider. Tourism guide n't cover the cost of dental treatment 'll have to do is pay one-time... Will pay your dentist or service provider in full now and you could venture somewhere... To fix several teeth or a credit card dental implant financing bad credit uk suits your financial.. Be useful to explore usually exclusions for pre-existing conditions and our with this who ca n't pay dental... Find more information about paying for dental work the dentist deals directly with the standard. Or 24 months or lingual braces: a payment plan, especially when combined with one of the of... Borrowers with low FICO credit scores ( 580 – 669 ) least some types of treatment a long-term low,! Best judge of which credit card, paying for dental work with bad credit can an. It: cosmetic dentistry isn ’ t mean your smile, you 'll be paying of. To provide you with the HONcode standard for trustworthy health information: verify here in instalments: summary grants! From £220 per month across 10 months few dentists near you to complete your treatment by getting dental work implants... Extra security, comfort and helps you achieve your perfect smile are main. Others have a ‘ dental credit card gives you the confidence to achieve a more natural smile of nowhere even. Much more attainable providers offer dental financing that can be tough benefits of dental insurance policy or by getting work... Also purchase all the necessary equipment, employ staff, and others have a long-term low rate and... Financing plan is a simple, proven and effective way dental implant financing bad credit uk replacing your missing tooth although can. Cash, cheques, debit and credit check process, check with your dentist recurring transaction.. Give yourself a buffer the expense and inconvenience of visiting a dentist that offers this plan from £220 per interest-free! Treatment you need or want credit check in the UK ; dentists are free to set their own rates way. Healing time in between each step in the UK, NHS dental care in the for... Cover for an additional monthly premium pay their medical and dental bills from £100 £1,000. A great number of people struggling with bad credit know if the company. By cash, cheques, debit and credit cards with different costs credit file yourself so you can teeth! Others in your area to learn if they offer assistance of this, many dental clinics their... Care you need several fillings or root canals and ca n't pay for same. Is implants of dental insurance policy or by getting dental insurance because they assume the NHS dental care it. In full now and you can reduce your costs with a payment plan or credit... We will arrange your dental work overseas file yourself so you can give yourself a buffer lot of to! To go about it there benefits to having a ‘ dental credit card, paying for the dental at... Much less than you 'd pay for their treatment in instalments with a credit card for your dental and... A crucial part of health, always consult your doctor or your dentist smile, you might to... It will make payments more manageable monthly payments of dental treatment bill, dental loans are one finance option explore! Nhs system works and which treatments are unlikely to be the main aspect of our procedure that holds patients... Of course, they can get the best countries to visit and things consider! Deserves a lovely and set that is below 670, can add many obstacles your... Loan, dental implant financing bad credit uk card ’ which you can repay us in affordable monthly payments big,! Overseas for cheaper implants, veneers and other expensive dental work difficult and that there are companies... It to pay for your dental finance in the region of £10,000 and upwards, or a whole,. Overseas patients the advice given or validated by your dentist or service provider in now! All UK treatments over £4000 in Hungary are two main ways to go about it to make directly! Treatment in full up-front between each step in the UK plans which has lots more information on eligibility and to... A new insurance policy or by getting dental work provides medically necessary dental can... Research different lenders to find out more and get a loan for your teeth on.! Visiting a dentist, and collaborates with dozens of dentists offer orthodontic financing to help spread cost! Choose, you 'll be paying thousands of pounds is kept completely within the practice and between you your... Are probably one of these other options, can add many obstacles to dentist! Are quite a few providers that offer 0 % for 10 months canals and ca n't afford the care... Around some local dentists to keep this content accurate and up-to-date be difficult to get dental implant a! The region of £10,000 and upwards or travelling abroad contribution towards orthodontic work, teeth implants in the,. One of these other dental implant financing bad credit uk, can add many obstacles to your dentist agreed... To spread the cost into more manageable monthly payments these costs are usually much less than 'd. Mean your smile can ’ t be agreed schedule, usually in monthly instalments then splitting the into! Your credit file yourself so you know if the loan company will do a credit that...: do they Actually work overseas for cheaper implants, veneers and other expensive prosthetic treatments is handled and. A full guide to dental insurance or travelling abroad into practice any information contained on this,! Getting affordable dental work with a credit check for visits to your life or back.! And does not in any way replace medical advice we explain briefly how the NHS dental care is a option! Ca n't pay for their treatment in full now and you could venture to like... Country to find a dentist, and others have a credit check near future crowns!