Best Dental Loans for Bad Credit

Personal Loans

Going to the dentist can be incredibly expensive. In fact, dental implants can cost over $1,000 for a single tooth. Due to these high costs, we are going to review some of the top dental financing options for bad credit.

One reason for such high cost of dental implants is that not all insurance providers cover them. Some insurance providers consider this an “elective” service and not one that is essential.

Every case is going to be slightly different, but if you find yourself needing an expensive dental procedure and insurance is not being very helpful, you might turn to loans as an option.

In some cases, using a credit card might be the best option. However, not everyone uses credit cards or has the credit to obtain one. If you have bad credit, you may think you don’t have many options when it comes to personal loans. While it’s true your options might be somewhat limited, there are still several lenders that may still work with you.

Best Installment Loans for Dental Procedures

In most cases, installment loans are likely one of your best options if you encounter a large expense you can’t otherwise cover. You repay these loans monthly rather than having to pay them all at once. That means the interest rate should be (relatively) low, and therefore less costly in the long run.

Installment loans are typically capped at 35.99% APR, but there are state laws that change that rate in some states. If you have a poor credit history, your interest rate will likely be on the high end. Regardless, it’s best to check all of your options for the lowest rate available.

Depending on the size of the loan, just a few percent difference in your interest rate can mean paying thousands of dollars less over the lifetime of the loan. Fortunately, we have several lending networks that can help you find the best rate possible.

Loan terms can also vary widely; anywhere from 90 days to 72 months. With some lenders, you can borrow up to $5,000, while others offer up to $35,000.

With so much variation, it’s important to weigh all of your options to determine which one works best for your financial situation.


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  • Loan Amount
    Up to $10,000
  • Loan Term
    3 – 72 months
  • APR
    5.99% – 35.9%

Features & Benefits

  • Flexible borrower requirements
  • Loan request can be approved within minutes
  • Money deposited as early as 1 business day
  • All credit types accepted

CashUSA connects borrowers with lenders. Each application is sent to the lender most likely to lend to the borrower. This platform caters to a diverse range of credit profiles, making it more than just a broker for those with poor credit.

Interest rates vary depending on the lender, so make sure you read through the terms for each emergency loan before you choose. Applying online only takes a few minutes, and funds are often available the next day.