Dental Financing in California

Maintaining your dental health is a priority. But when dental care is out of reach because of cost, it can be frustrating. American First Finance has an All Credit Welcome approach that looks beyond just a credit score. We may be able to help you take care of these expenses with payment solutions that can make dental care within reach in California.
 
Dental financing in California can put implants, dentures, and veneers within reach, with all credit welcome, approval amounts from $300–$5,000, and a quick response you can get from your dentist’s office.1 American First Finance helps you spread the cost of care over time.
 
More than 5 million customers have been approved through American First Finance since it was founded in 2013.

Types of Dental Care That Can Be Financed Through American First Finance

Financing options benefit patients without dental insurance—or those whose dental insurance may not cover certain treatments. Several types of dental care can fall under these categories:

 

  • Implants: a single implant typically runs about $3,100–$5,800, and full-mouth restorations commonly run $24,000–$50,000 and can go higher*
  • Dentures: full sets often range from about $1,000–$3,000*
  • Veneers: usually priced per tooth, and often not covered by insurance as a cosmetic treatment
  • Crowns and bridges: costs vary with materials and the number of teeth involved
  • Emergency root canals: often urgent and difficult to budget in advance

 
Costs vary by provider and case; the ranges above are typical estimates, not quotes.
 
If you’re looking for dental cosmetic treatments, they’re typically not covered by insurance—making these types of services seem as though they’re unattainable. Our All Credit Welcome approach may help put them in reach.
 

Learn more about dental financing through American First Finance, see how it works, or find a participating provider near you.

With a fast application process and no long wait, financing your dental care in California is simple, and you can see which options may be available to you before treatment begins.

How Dental Financing Works in California – Get a Quick Response

Applying for financing for dental procedures is easy with American First Finance. You can even apply from your phone when you’re in your dentist’s office. Once you apply online, you’ll receive a quick response. And if you receive your approval, you can put it to work. Approval amounts vary and can range from $300–$5,000.
 
American First Finance is a convenient way to apply for dental financing.
 

1. Apply from Your Phone

Start your application online or right from the dental office. You’ll need a photo ID, an SSN or ITIN, and an active bank account and debit card.
 

2. Get a Quick Response

Once you apply, you’ll receive a quick response on your application.
 

3. Use Your Approval

If approved for $300–$5,000, you can put your approval to work toward the care you need.
 

4. Pay on a Schedule That Fits

Payments are set up to work with your pay schedule, so the cost of treatment is spread over time.

Financing Solutions for You

Financing solutions through American First Finance are for people who need dental care but may not have the budget to afford it.
When you choose to work with American First Finance, you can expect:

 

  • Low, easy payments
  • Payments that fit your pay schedule
  • Early payment savings options

Frequently Asked Questions

Here are some of the more common questions related to dental financing.

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How much dental financing can I apply for in California?
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Can I get dental financing with imperfect credit?
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What if I don’t have dental insurance?
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How fast will I hear back after applying?
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What dental procedures may qualify?
© 2026 American First Finance. All Rights Reserved.

1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).

Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.

Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with the merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.

Lease: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from the Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months.

2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.

3 Decisioning may take additional time and not be same day. Additional information may be required.

4 Approval is possible without a credit score, but credit may be checked.

5 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.

To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.

American First Finance, LLC – NMLS ID 1757007

© 2026 American First Finance. All Rights Reserved.