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Apply for Dental Financing Now

$
Between $500 and $25,000

What dental financing procedures does United Credit cover?

If your smile needs a boost, we’re here to give you a lift. United Credit partners with thousands of businesses across the country, including cosmetic dentists who help you find your smile. Apply for dental financing in minutes and see how together, we do more.

United Credit offers financing for general, specialty, and cosmetic dental procedures, including:

Dental procedures

Braces or clear aligners, Bridges, Cosmetic dental crowns, Cosmetic teeth shaping (enamel shaping), Gum surgery, Cosmetic tooth bonding, Dentures, Root canals, Cosmetic dental implants, Cosmetic dental veneers, Cosmetic teeth whitening

Regular dental checkups can help keep you healthy. However, dentists report nearly half of adult Americans have untreated periodontal disease and only about 60% of all Americans see a dentist at least once a year. Financial concerns can be one of the reasons many people don’t see the dentist, but we don’t think money should be a barrier to the best smile and health you can achieve. Here are just a few reasons to finance dental procedures:

  • Easier, affordable dentistry financing with monthly payments instead of covering a large out-of-pocket fee all at once
  • More flexibility for you and your families dentistry needs
  • Your dentist gets paid promptly, meaning less stress for you
  • Dental financing offers affordable dental care for everything from a basic checkup to implants and more

Dental procedures

Braces or clear aligners, Bridges, Cosmetic dental crowns, Cosmetic teeth shaping (enamel shaping), Gum surgery, Cosmetic tooth bonding, Dentures, Root canals, Cosmetic dental implants, Cosmetic dental veneers, Cosmetic teeth whitening

Regular dental checkups can help keep you healthy. However, dentists report nearly half of adult Americans have untreated periodontal disease and only about 60% of all Americans see a dentist at least once a year. Financial concerns can be one of the reasons many people don’t see the dentist, but we don’t think money should be a barrier to the best smile and health you can achieve. Here are just a few reasons to finance dental procedures:

  • Easier, affordable dentistry financing with monthly payments instead of covering a large out-of-pocket fee all at once
  • More flexibility for you and your families dentistry needs
  • Your dentist gets paid promptly, meaning less stress for you
  • Dental financing offers affordable dental care for everything from a basic checkup to implants and more

How dental financing works

Easy application
It only takes a few minutes to complete our simple online application

More financing options
Access multiple dental financing options with affordable interest rates and payment terms

Fast approval
You’ll receive a response from our lender network the same business day

Affordable financing
Find a payment plan that fits your needs and your budget

Superior service
Your dedicated support rep will answer all your questions and help you through the entire application process

Secure dental financing from $500 to $25,000*

  • Simple, fast online application
  • Affordable monthly payments
  • No prepayment penalty
  • Competitive interest rates for qualified buyers

*Some applicants may qualify for more. Actual loan amount and terms are dependent on credit usage and history.

Frequently asked questions

What are the benefits of dental financing?

Regular dental checkups and fast action at the first sign of a problem can help prevent more chronic and expensive issues over time. But going to the dentist can be expensive and most insurance plans only cover minor dental care, like cleanings. United Credit can help you and your family keep your teeth strong and healthy by connecting you with affordable dental financing options to help take some of the pain out of your visit!

With proper care, your teeth can last a lifetime. UC works with a wide network of dental providers and third-party lenders to help you find a dental credit plan with loan amounts and monthly payments which are right for you. Start your application today and get your answer, and begin your journey to a better, healthier smile!

Does my dental insurance cover the cost of cosmetic dental procedures?

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.

Will my dental financing cover the procedures I need?

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.

Do Dentists Offer Payment Plans?

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.

What Credit Score Is Needed For Dental Financing?

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.

Can I Get Dental Financing With Bad Credit?

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.

Testimonials from United Credit Customers

Resources on dental procedures and dental financing

Ready to apply?

Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin

Controller

As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

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 Libman

Founder & President

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.