Follow These 3 Simple Steps to Get Better Loans for Cosmetic Dental Treatments

Follow These 3 Simple Steps to Get Better Loans for Cosmetic Dental Treatments

Some dental procedures are deemed medically necessary, e.g. treatment for root canals, cavities, and gum disease. These procedures are covered, in part, by insurance. On the other hand, cosmetic dental treatments, procedures you undergo solely to improve your appearance, are generally not covered by insurance. Examples of these include teeth whitening, , veneers, and dental implants.

Despite the distinction, cosmetic dental treatments are every bit as important as any medically justifiable procedure, and the physical and psychological benefits of having beautiful teeth cannot be overstated. Because of this, many lenders offer loans to people looking to offset the cost of cosmetic dental treatments.

To make the right choice as you seek financing for a dental implant, for veneers, or perhaps, for clear aligners, here are possible options for you to consider:

1. Apply for a personal loan or a credit card

Banks and other loan providers give out personal loans for cosmetic dental procedures, and if you have a good credit score (FICO of at least 700), then you have a good chance of getting financing with good repayment terms and a low APR. With a FICO score below 660, however, your chances become increasingly slimmer. Some banks may consider your application, but if approved, you are looking at a loan with an APR of up to 36%.

Credit unions are a good alternative, and they can be more lenient. If you are a member of a credit union and you have average credit, you may be able to secure a loan for cosmetic dental treatment. However, the lower your score, the higher the interest rate and the lower the principal you are offered (meaning the loan may not cover the entire cost of your treatment). You may also need a co-signer with good credit to vouch for you.

You can finance your dental implants, Lumineers, crowns, and other cosmetic procedures with a regular credit card or an interest-free medical credit card. To get approved for either of these, you will still need good credit. Also, before applying for an interest-free medical credit card, be sure to read the fine print carefully. The interest is not eliminated, it is deferred, and you may end up paying more than you anticipated.

2. Apply for a dental facility repayment plan

Some dental facilities allow patients to pay in installments for their cosmetic procedures. You put down a part-payment before your procedure, and every month afterward, you pay the facility a pre-agreed amount till the cost of the treatment (with interest) is paid off. However, some facilities only offer this option to longtime patients or patients looking to undergo long-term dental treatment (for example, the endosteal dental implant procedure which can take up to 6 months to complete).

To avoid the cost and effort of collecting payments from patients, some dental facilities remove themselves entirely from the financing process. Instead, they collaborate with external lenders to finance procedures for patients. Prospective patients send an application to the lender, and when they get approved for a loan, the facility starts the treatment. The higher your credit score, the better your chances of getting approved for financing and the better the terms of your loan.

3. Apply for a dental loan from United Medical Credit

United Medical Credit provides individuals with loans for cosmetic dental treatments, and UMC is well-known for offering great terms, even to applicants that do not have excellent credit. By leveraging an extensive network of healthcare lenders, United Medical Credit provides applicants with the best approval rate in the market.

Loans from United Medical Credit have fixed and affordable monthly payments, and should you decide to pay off your debt earlier than stipulated, there is no prepayment penalty. Applicants have access to dental loans of as much as $35,000, and there are often multiple loan options from which to choose. To help applicants decide which option that works best with their financial situation, United Medical Credit provides each applicant with assistance through the entire loan process.


Getting a loan for cosmetic dental treatment easy, as demonstrated above. You may choose to apply for a personal loan from a financial institution, get approved for a dental facility payment plan, or get a loan from United Medical Credit.

With an extensive network of healthcare lenders, UMC offers applicants a variety of loan options from which to choose. As a result, if you have good credit, you can choose to get dental financing from the lender that offers you the best terms. And for applicants with less-than-perfect credit, the likelihood that your application gets approved is significantly improved.

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