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How To Secure Dental Financing With No Credit Check

Written by: Ryan Reid
Last updated: January 30, 2024

Due to the high cost of dental care, many seek dental grants to help with the expenses. It can also be difficult for people with poor credit to qualify for dental financing. Fortunately, there are dental financing options that don't require credit checks. 

This blog post will explore some of the best options available when it comes to no credit check dental financing. 

Understanding Dental Financing 

A dental financing loan is designed exclusively for dental procedures like braces, implants, and more. Rather than paying everything at once, patients can spread out the cost over time. Dental financing is available through various providers, including banks, credit unions, and companies specializing in medical financing. 

For those who do not have enough money for dental treatment, such financial assistance options can be helpful. In this process, you borrow money and repay it monthly. Note that economical loans usually require fees to be paid. 

Understanding No Credit Check Dental Financing

Bad credit makes getting a personal loan or dental financing more difficult, which is a major problem for people struggling with the high costs of dental care. Some dentists may offer financing options to patients with poor credit scores with no credit check dental financing. You won't be required to submit to a credit check for this kind of loan, so your poor credit rating won't prevent you from getting a loan.

Best Dental Loans For No Credit Check Dental Financing

Best Dental Loans For No Credit Check Dental Financing

With poor credit, what are your options for getting a dental loan? Various options for no credit check dental financing exist, and they all come with their own advantages and disadvantages. Here are some of the most popular options:

1. iCare Financial

You can apply for an instant dental loan of up to $20,000 through iCare Financial. You should ask your dentist whether they offer iCare financing, and if not, find someone who does. 

A credit check is not required; instead, you will pay 30% of the costs, an application fee, and an administrative fee. An active checking account must also be connected.

2. SimplePay Dental

Dental financing for dental treatments like root canals, X-rays, cleaning, fillings, crowns, bridges, extractions, and dentures is also available with SimplePay with no credit check required. SimplePay offers 100% approval without a credit check, no interest rate, and no hassles. Additionally, the service provides dentists with guaranteed payments via financing plans that cover all associated risks. 

Once you enroll, you will be required to pay an enrollment fee as well as a monthly transaction fee. Other than these, there is no interest charge.

3. OrthoBanc

OrthoBanc offers interest-free payment plans for orthodontic treatments. You may be able to get help financing your treatment from local OrthoBanc-partnered providers in your area.

Applicants are not required to have a credit check in order to be approved. You only need to connect a checking account or debit card and make a small down payment. 

4. Local Dentists/Clinics With Payment Plans

Last but not least, most dental offices offer in-office payment plans as part of their payment programs. Patients without insurance can benefit from in-house discount plans nowadays. 

A typical plan costs about $200-300 per year and includes preventative care as well as a discount for any necessary work. You can find out what in-office payment plans your local practices offer.

Frequently Asked Questions

To better understand no-credit-check dental financing, we have answered some common questions about the credit scores you need.

What credit score do you need to finance dental implants?

Implants themselves don't require you to prove your creditworthiness. Credit cards or loans, however, require a thorough background check from lending institutions. Credit score requirements vary by lender. However, the recommended score is a minimum of 600.

What credit score do you need for CareCredit?

To apply for the CareCredit Credit Card, you must have a credit score of 640 or higher. So, this card is likely to be approved for people with at least fair credit.

What credit score is needed for dental financing?

Dental financing credit scores vary depending on where you get the financing. Personal loans require a minimum credit score of 585. To qualify for 0% intro APR, you'll need a credit score of 700 and above in most cases and a minimum score of 640.

No credit check dental financing makes it easier for you to get treatment without having to worry about your credit history. Make sure to read the terms and conditions before joining one of these financing solutions, and consult your dentist.

Need help finding a dentist who offers any of the above financing options? Don't worry, our resource on low-cost and free dental care solutions can help.

Ryan Reid
Ryan Reid is a dedicated social worker with a passion for improving the lives of vulnerable individuals and families in his community. With a bachelor's degree in Social Work from a reputable university, Ryan has spent over a decade working in various roles within the social services sector. His expertise lies in assessing the needs of at-risk populations, connecting them with essential resources, and advocating for their rights. Ryan's compassionate approach and unwavering commitment to social justice make him a trusted advocate for those in need of government assistance and support.
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