dental implants · invisalign · emergency dental
Dental Financing for Implants, Invisalign and Emergencies
Implants, clear aligners and emergency dental work are often only partly covered by dental insurance, if at all.
Get a written treatment plan with costs, then compare the office’s payment options with a personal loan.
Separate option – personal loan rates
Check personal loan rates for dental work without affecting your credit score¹.
Check your rateOn the Upstart platform, you could receive offers from lenders.
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¹ When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
Dental financing options
- In-office payment plan: many orthodontists and dentists spread treatment costs over months. Ask whether it charges interest.
- Dental or medical credit card: often offered at check-in, frequently with deferred-interest promotions.
- Personal loan: fixed payments and usable with any dentist.
- Insurance and FSA/HSA funds: check what’s covered before financing the rest.
Deferred interest on dental credit
The CFPB warns that many medical credit cards use deferred interest. If you don’t pay the full balance before the promotion ends, interest can be charged on the original amount from the purchase date.
If you choose a promotion, divide the balance by the promo months and pay at least that amount, not just the minimum.
Implants vs. aligners vs. emergencies
Implants are often staged over months, so ask whether you pay per stage. Aligner treatment is often priced as a package. Emergency work may need to be paid the same day, so ask about a deposit and paying the rest later.
Know the cost before you accept
- APR: the yearly cost of borrowing, including interest and some fees.
- Fees: origination, late and other fees.
- Repayment: monthly payment, number of payments and total repaid.
- Pre-approval or prequalification is not a guarantee of final approval or of the rate shown.
FAQ
Can I finance dental implants?
Often, yes, through an in-office plan, a dental or medical credit card, or a personal loan. Terms and approval depend on the provider.
Are Invisalign payment plans interest-free?
Some in-office plans are and some aren’t. Ask the provider whether interest or fees apply and read the agreement.
Is LendMail the lender?
No. LendMail is an independent guide and does not make loans or approval decisions.
Related loan guides
Sources
- CFPB — Medical credit cards and payment plans (covers dental, vision and veterinary products)
- CFPB — What is a credit inquiry?
LendMail is an independent guide, not a lender. We don't make loans or approval decisions.