Bad Credit Financing for Dental Implants

Dental Implants can be a great option for people with missing teeth or teeth that need to be replaced. However, the high cost deters many people from purchasing them. Instead, partials or dentures become the solution, which may or may not be the best choice, depending upon what you want for your smile.
 
The good news is that there may be financing options available to help you get the teeth you really want. Dental implants may help restore your smile (and confidence) without the hassle of dentures and adhesives.

Dental implants provide a semi-permanent solution to missing or damaged teeth. Unlike dentures that must be glued in every day, implants are a different solution for your dental health. Let’s define what a dental implant is – a dental implant is a fake tooth that replaces a tooth. The implant is made up of a couple of parts – first, the dentist attaches a post that is attached to your jaw. The post is commonly screwed into the jaw and replaces the root of the damaged, diseased, or broken tooth.
 
Then the post is capped with a false tooth that is made of ceramic or a similar material. The tooth closely resembles a real tooth, down to the color. The most noticeable benefit of an implant is that you can eat foods like corn on the cob with ease, whereas someone with dentures may experience separation or loosening.
 
Some dental implants are permanent. But there are other options – both permanent and removable options. Additionally, some caps are designed to last approximately ten years.
 
Dental implants can also help preserve your jawbone structure. Once teeth are removed, the bones they attach to begin to deteriorate. Because implants attach to the bone, they lessen the likelihood of bone loss.

Dental implants come in several styles, which can all vary in cost. Even the type of material that the implants are made of can lead to a higher price tag.
 
One of the biggest impacts on pricing is how many teeth need replacing. Implants can consist of a single tooth or a full mouth replacement.
 
Implant prices commonly range from $3,698 to $6,159 for a single tooth. Keep in mind that prices do vary by materials used, region, dental practice and tooth complexity. Prices may also go down if you need more than one implant, or your dentist offers a discount for work on more than one tooth. Implants also have variations such as implant bridges, fixed full arches, and implant dentures.
 
In addition to the cost of the implants themselves, you may also have to pay for X-rays, sedation, and follow-ups. Because implant posts mount to the wearer’s jaw, the existing tooth must be completely removed. That can also come at an added cost.
 
Your dentist should work with you to determine the best treatment plan. Before going in, you may want to pinpoint a budget. Then, when you visit the dentist, they will be better able to guide you on the dental treatment in that price range.

People suffering from oral health problems and tooth pain often delay care for a number of reasons, but one of the main reasons is cost. Unfortunately, delaying care can only make it worse, which may mean a larger bill in the long run.
 
For many people, expenses are tight, and there isn’t the extra money to spend on dental services. Even if you have dental insurance, it may not cover the full cost of dental implants.
 
That leads some to look for financing options, like personal loans. If you’re applying with a traditional bank or credit union, approval may be difficult to secure if you have a low or no credit score. But there are payment options out there for getting dental work, even with low credit scores.

Having bad credit may limit the number of dental implant financing options available to you. But there are options out there. Below are some payment options to consider, even if you don’t have good credit:

The first place you may want to start is contacting dental offices to see if they offer in-house dental financing options. Some practices do offer financing plans, which may allow you to break up the cost into manageable monthly payments.

This option may or may not require a credit check. Additionally, you may still have to put up a large down payment. Another factor providers may consider is your income or employment status to determine eligibility. Some dentists also work with third-party financing providers, so even if they do not offer in-house financing, there may still be options available.^{1, 6}

Finding a dentist who offers in-house financing can be tricky, so it’s a good idea to call around to see if there are dentist’s offices or dental practices in your area that offer financing options.

Bad credit personal loans, like the ones offered through American First Finance, may be another option for those struggling with an imperfect credit history.

Bad credit loans may allow you to get the dental procedure you need without waiting to save up the money. This saves you the high upfront cost and allows you to pay flexible payments over time, while getting the care you need.

A personal loan can be a good option for dental implants because you can get the style you want, rather than settling for what you can currently afford. Keep in mind that the total loan amount is subject to approval, and your credit may still be checked.¹

Although most health insurance plans do not cover dental work, there are a few instances where you may be able to get help paying for dental implants.

In some states, Medicaid covers dental care, which may include cosmetic dentistry such as implants. Additionally, other government assistance programs may be available. To find options in your area, start by checking your state’s healthcare website.

Finding a dentist who offers dental loans can feel like a challenge, but it’s easier than you think. There are several ways to find dentists who accept financing, but a good place to start is with a simple internet search. You can then put together a list of phone numbers to call and ask about financing options. It’s also a good idea to check with friends, family, and co-workers to see if anyone has experience with the particular dentist.
 
Alternatively, if you’d like to save time, you can use our convenient search tool to find dentists or dental practices near you that offer financing.^{1, 6}

While the cost of dental implants is high, many find it to be well worth the cost. After all, your well-being and smile is an investment in your health.
 
With that in mind, it’s a good idea to assess your financial situation before getting a loan. It’s also important to read the loan terms and research financing companies before signing any agreements.
 
Getting dental implants can be a life-changing experience, especially if you have dealt with broken, damaged, or missing teeth for years. From enjoying a meal to smiling in a family photo, healthy teeth can have a positive impact on all aspects of your daily life.
 
¹ See disclaimer at bottom of the website.
 
⁶ Payment solutions may not be available in all states, through all providers or businesses, and may not be available for all types of goods and/or services.