Dental Financing in Texas

At American First Finance, we believe getting the dental care you need shouldn’t feel out of reach. We offer payment solutions that simply work for people in Texas—that can help you get dental procedures that might otherwise be out of reach.
 
Dental financing in Texas can help you pay for implants, dentures, veneers, and more over time, with all credit welcome, approval amounts from $300–$5,000 and a quick response.1 At American First Finance, we don’t think dental care should be a luxury.
 
American First Finance has worked with consumers nationwide since 2013, with more than 5 million customers approved.

Finance Your Dental Care with American First Finance

If you don’t have dental insurance or your insurance doesn’t cover cosmetic dental procedures, American First Finance may be able to help. Many people come to us for financing for the following types of dental procedures:

 

  • 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 for in advance

 
Costs vary by provider and case; the ranges above are typical estimates, not quotes.
 
Our All Credit Welcome approach can put options in reach.
 

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

Applying is easy. You can do it right from your phone. This is one of the reasons why customers in Texas enjoy working with American First Finance.

How Dental Financing Works in Texas – Get a Quick Response

There’s typically a long waiting period when you apply for financing—causing you to go without the services you need. When you apply for financing solutions through American First Finance, you receive a quick response. Approval amounts vary from $300–$5,000, enabling you to get the services you need when you need them.
 

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 That Work for You

American First Finance provides financing solutions that are built around your needs. Our solutions work for people who need dental care but may not have the immediate budget to afford it. Payment schedules are designed with your needs in mind.
 
Customers in Texas who work with American First Finance 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 Texas?
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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.