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For many people, especially those with employer-based dental insurance coverage, their insurance doesn’t cover the costs of major dental procedures or cosmetic dental procedures.

In many cases, insurance policies don’t cover emergency dental care or care that hasn’t received prior approval.

Fortunately, United Credit can help you and your family get the dental care you need by filling the gaps between what your insurance company is willing to cover and the actual expense of the dental visit with installment loans through our lending partner network. We’re here to help you and your family get the dental and medical care you need and deserve, without worrying about how you’re going to afford to live your life in the meantime.

Our network of lenders, dentists, and orthodontic surgeons gives you more control and flexibility over your dental healthcare and allows you more freedom to make the right choices for you and your family’s dental needs.

The average cost of a simple dental office visit can run between around $200 and $1,000, depending on what dental work is being done. Dental procedures like a single implant with abutment and crown can cost as much as $10,000 or more, especially if you don’t have dental insurance. Financing dental procedures through our lending partner network can help you get the support you need with affordable monthly payments that fit your needs and your budget.

Many dentists offer third-party patient financing, some sort of in-house payment plan, or short-term loan services for clinical services. These services are provided at the provider’s discretion. Usually, some form of a down payment is required at the time of service, and if your provider offers patient financing, they will likely check your credit score to make sure you qualify. However, the rate you get through your dentist’s in-house financing may be substantially higher than the rate you could secure elsewhere.

United Credit’s network of healthcare lenders has helped clients with a range of credit ratings secure financing for dental treatments and procedures. Depending upon key elements of your credit history as reported by the credit bureaus, available loan amounts and specific loan terms may be affected. Each lender UC works with is different and may have different criteria for what constitutes good, acceptable, or poor credit. UC is committed to helping you find the right loan from the right financing provider for you.

Depending on just how bad your credit is and what your credit checks show, it’s entirely possible to secure dental financing even if your credit isn’t the best. There are many factors that may impact your ability to obtain installment loans such as dental financing.

Just because you meet one or some of the negative criteria doesn’t mean you’re ineligible for dental financing. It just means you may have to take on payments at a somewhat higher rate than you might have hoped, or have a shorter window to pay back the loan.