Dental Implant Financing & Bad Credit: What Are Your Options?

People say bad credit is better than no credit. But to people with bad credit, it doesn’t always feel like that.

Some people with really bad credit wish they had no credit at all. They wish they could hit a “reset” button on the whole thing.

This guide is for those people, the ones with really bad credit. Maybe that’s you, maybe it’s someone you know.

Either way, let’s take a look at the best dental implant financing options for people with bad credit.

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Dental Implant Financing With Bad Credit

Finding the money to pay for dental implants is difficult. They’re often not covered by traditional dental insurance, so patients have to find alternative ways to cover the costs.

And it can be especially hard to get funding for people with bad credit. But fortunately, there are three basic ways people with bad credit can pay for implants:

  1. Loans
  2. Payment plans
  3. Flexible Spending Account (FSA)
Through loans, payment plans, and FSAs, even people with bad credit can get help paying for their dental implants.

Financing Through Loans

If you’re trying to get a loan with no credit history or bad credit history, it can be quite difficult — particularly if its a dental implant loan. Qualifying for a loan depends on your credit history, risk score, your income stability, and any savings or security you can put up for collateral.

But not to worry, there are still ways for people with bad credit to get help financing their dental implants.

Secured & Unsecured Personal Loans

A secured loan can give patients an affordable way to pay for dental implants. Basically, something (like a car or house) is put up for collateral against the loan, meaning the lender could repossess the item if the loan becomes delinquent.

This reduces the risk for the lender and also allows the borrower to apply for more money and have a better chance of being qualified.

On the other hand, an unsecured loan has no collateral. It’s just a basic loan, so if the borrower can’t pay the money back, the lender has nothing to repossess. They will simply hire a collection agency to try to get the money from the borrower.

These types of loans are more difficult to get, especially if the applicant has bad credit because it’s more of a risk for the lender.

Lending Club

Lending Club is a company that helps finance medical procedures, including dental implants. Because they realize how important a person’s health is, they have high approval rates and several financing options.

They have payment plans that allow you to finance up to $50,000, which is definitely enough to cover most dental implant procedures. If you borrow through the Lending Club, you’ll be able to choose from three plans with different terms and conditions: Fixed Rate Plans, True No-Interest Plans, and Promotional Rate Plans.

The Fixed Rate Plans are installment loans, which means you get a lump sum of money that you pay off over time. Once it’s paid off, the loan is closed.

They have an annual percentage rate between 3.99% and 24.99%, depending on the amount you’re looking to borrow and your credit. The monthly payment could be as low as $102 a month. And the terms can be as long as seven years, but you can pay it off quicker if you’d like.

The True No-Interest Plans are revolving lines of credit, meaning you can borrow any amount up to the amount you’re approved for. Then once you pay that amount back, you can continue using the funds available. Think of it sort of like a credit card but without the actual plastic card.

With these loans, you can apply for up to $32,000, and you can get 0% APR for the first 24 months with an APR of 26.99% after that.

And last but not least, let’s talk about the Promotional Rate Plans. These are also lines of credit, but they have an APR of 17.90% for up to 60 months, after which the APR would be 26.99%.

Of course, with all of these options, they will have to verify that it is to pay for a dental procedure. To apply, simply visit their website and get your answer in a matter of seconds. You can also apply through your dentist’s office.


CareCredit offers what is pretty much a credit card but for health expenses. You can use it to pay for your dental implant procedure at any participating dental practice — they have over 200,000 providers spanning tons of niches of healthcare.

You can short-term financing (six to 24 months) at no interest on purchases of at least $200 (if you pay the total amount due by the end of the promo period). If you need long-term financing options, you can get a card for up to 60 months with a reduced APR.

If you’re 18 years or older, you can apply online and if you’re older than 21, you can call CareCredit at 1-800-677-0718 Monday through Friday between 9 a.m. and 9 p.m. (EST). To complete an application, you’ll need this info:

  • Your doctor’s name
  • What you need a CareCredit card for
  • Your name, address, date of birth, social security number
  • Your net income
  • You housing Information


With CashUSA, you can apply for loans of up to $10,000. That’s not as much as you can get with a secured loan or financing through CareCredit, but it’s still a substantial amount.

They offer loans with an APR between 5.99% and 35.99% and terms of up to 72 months. If you apply, you can typically found out if you’re approved within minutes. Once your application is approved, they send the funds directly to your bank account.

Sometimes, a loan is necessary, especially if it’s for a dental service you need to maintain your overall health. Fortunately, there are plenty of loan types and companies you can consider.

Dental Implants Payment Plan

Another option for financing your dental implants is a payment plan, whether it’s through the dental professional or through a third party.

In-house Payment Plans

Very often, a dental practice can work with you when it comes to paying your bill. Many will allow a monthly payment plan where they break up the total amount due across a certain number of months. And you can do this even if you have poor credit.

However, there are still many dental practices that won’t accept payment after the procedure. Instead, they will refer the patient to a company that can give the patient financing.

Payment Plans Handled By Third Party

A common way to help pay for dental expenses is through a supplemental dental insurance policy. These types of plans allow monthly payments for those with bad credit.

However, this does require that you make payments before the procedure rather than afterward. Also, many plans have waiting periods for those with pre-existing conditions. So if you’re able to wait for your dental implants, you could benefit from supplemental dental insurance.

Payment plans, whether through your dentist or through a third party, can help those on a tight budget pay for implants.

Flexible Spending Account

Another way to make dental implants more affordable is by using a Flexible Spending Account (FSA). A lot of people like this option over taking out high-interest loans.

What Is Flexible Spending Account?

An FSA is a certain type of benefit for employers that often comes in a company insurance package. Then you, the employee, can sign up for an FSA through your employer. The account is specifically for costs related to your healthcare and you request how much should be put into the account.

How To Use FSA For Dental Implant Financing

In order to pay for healthcare and dental treatments, you can write a check from your FSA or use the FSA debit card the insurance company would send you. As you use the funds in your FSA, that money is deducted from your paycheck through the year.

FSAs have a number of benefits, one of them being tax-related. The amount your employer deducts from each paycheck is before taxes, so you’ll end up owing fewer taxes for the year.

So how do you know when you can and cannot use your FSA on dental services, like dental implants?

Basically, your FSA covered dental care that is allowed by the insurance plan. Because every plan is different, the best way to figure out if your dental implants will be covered is to contact the insurance company.

Most of the time, insurance companies won’t pay for procedures that are solely cosmetic, and dental implants often fall into that category. However, sometimes dental implants can be considered as a necessity, in which case insurance could cover it.

An FSA is a benefit often provided by employers to help their employees pay for medical expenses. If your employer offers an FSA, it may be a good idea to get one and begin using the associated debit card for your dental implant procedure.


As you can see, there are plenty of ways to get financial help for your dental implants. There are certain loans or credit cards you can get, you can work out a payment plan with your dentist or a third party, and you can use an FSA through your employer.

So who cares if you have bad credit? Don’t let that keep you from getting a brand new smile.

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