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Did you know that around 26% of seniors aged 65 and older have eight or fewer teeth? Tooth loss affects millions of Americans yearly due to injury, tooth decay, and periodontal disease. In fact, tooth decay is the most common chronic disease in the U.S. for people of all ages.
While treatment options were once limited to dentures and bridges, new dental implants and procedures have become a popular and effective method of replacing missing teeth.
Unlike bridges and dentures, dental implants pose no risk to nearby natural teeth, do not cause mouth sores, and are the closest option to natural teeth. However, they can quickly become expensive, especially if multiple teeth need to be replaced or patients lack an adequate amount of healthy jawbone. Many people turn to financing to get the care they need.
But what should you do if you have less-than-stellar credit? While you may think dental implant financing with bad credit is impossible, if you follow a few best practices, you’ll be more likely to get the treatment you need at a cost you can afford.
Below we cover the process and benefits of getting a dental implant as well as how to pay for dental implants with bad credit.
Dental implants can make many aspects of everyday life easier, such as eating and speaking. But perhaps the greatest advantage of dental implants is the boost they can give to your self-esteem. Dental implants can help you look and feel healthier.
Other benefits include:
Three types of dental implants are available, and the best type for a patient is determined based on a variety of factors.
The amount of bone loss in the jaw is a major influence on the type of implant available to the patient. Significant bone loss may require a bone graft or an implant with a larger frame to support a tooth. In some cases of severe bone loss, a patient may not be a suitable candidate for dental implants.
Those considering this procedure frequently worry that dental implants are painful. Dentists and oral surgeons who perform this type of reconstructive dentistry have various sedation methods available to eliminate pain during the procedure. Any post-operative pain or discomfort can be controlled using pain medication.
The procedure itself can be complex and may require multiple stages. Once a plan is made for placing the implants, the process includes the following steps:
Some patients may have a tooth extracted and the implant inserted on the same day. The dentist will determine a method that has the best chance of success.
The cost of dental implants can vary greatly. A single implant may start at $3,500 to $4,000, assuming the procedure is uncomplicated. More complex implants, bone grafts, or the implantation of multiple teeth can dramatically increase costs. Many people can’t afford to pay for the procedure upfront, which is why financing is often a good solution.
If you’re considering tooth loss treatment, you may wonder how to finance dental implants. Fortunately, you have several available options.
Apply for Financing
While your credit history will affect loan terms and approval rates, getting dental implant financing with bad credit may still be possible. Financing is one of the easiest ways to cover implant-related expenses because most insurers do not cover dental implants. You may also be able to use a co-signer if you cannot qualify on your own.
Price Shop
You may be able to reduce the cost of dental implants by calling around to several dental practices, as prices vary between dentists. Implant costs can also differ depending on implant types and procedures.
Fundraise
Online fundraising through crowdsourcing websites has become easier than ever. You can try popular websites like Fundly or GoFundMe and ask friends and family to donate to the cause.
If you need dental implant financing with bad credit, United Credit is here to help. We work with a broad lending parent network to help you find the best financing options, and you may qualify for financing even with a less-than-ideal credit score.
Apply now for affordable financing and discover your options today.
As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.
Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.
Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.
Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.
