Dental loans with no credit check

How to Get Dental Loans with No Credit Check

According to the Harris Poll by the American Dental Association, 59% of adults in the U.S. did not visit the dentist more frequently because of the cost.

percentage of Americans that didn’t go to the dentist because of the cost.

If you are putting off care that you or your family need, you should know there are ways to get affordable dental loans without a credit check.

Here, we will share four resources for a dental loan with no credit check, as well as a few other commonly used options you should know. This means you can qualify for dental financing even if you have bad credit. Let’s get started!

4 dental loans with no credit check

How can I get a loan for dental work with no credit? Here are four options.

1. iCare Financial

iCare Financial is a company that offers instant approval on dental loans up to $20,000. As a patient, you will need to find a practice that offers iCare financing, speak to it about the financing plan, and get your work done there. Instead of undergoing a credit check, you will need to put down 30% of the costs, pay an administrative fee, pay an application fee, and connect an active checking account.

2. SimplePay dental

SimplePay is another company that offers a no-credit-check financing solution to dentists. To gain access to the SimplePay payment plan, you will have to find a dentist that offers it. Once you do, you will pay a one-time enrollment fee and a monthly recurring transaction fee. Aside from these, there are no interest fees.

3. OrthoBanc

Jefferson Dental Care of Texas partners with OrthoBanc as a way for its patients to make interest-free payments on orthodontic treatments or braces. Patients can get instantly approved without a credit check. Requirements include making a small down payment and connecting an active checking account or debit card.

Providers in your area who partner with OrthoBanc may be able to help you afford the costs.

4. Local dentist with payment plans

Lastly, each dental office will have its own payment programs which may include in-office payment plans. For example, Dr. Muse is a dentist with a practice in LaFayette, Louisiana and is proud to offer in-office, interest-free financing without a credit check or application.

The office says that, by letting their patients make low monthly payments with a minimal upfront cost, they gain peace of mind because they are helping them reach their oral health goals.

Further, Connie Feng, D.D.S. at Twin Leaf Dentistry in North Carolina, says “Many offices nowadays offer in-house discount plans to help patients without insurance afford care. Plans are usually around $200-300 per year and include routine preventative care, plus patients usually receive a discount on any work the patient may need.”

So check with several practices in your area to discover what in-office payment plans they offer.

Other helpful resources to afford dental costs

While the above are dental loans with no credit check, you may not be able to find a dentist in your local area with any of those offerings. If that’s the case, here are a few other low-cost loan solutions for dental care.

Read the in-depth guide on how to pay for dental costs.


First, what is dental CareCredit? CareCredit is a credit card designed to cover healthcare costs. Dentists can sign up to offer it in their offices; then patients can use it to pay for their procedures.

Unlike the options above, CareCredit does require a credit check to determine eligibility. You can apply in a participating dentist’s office, online, or over the phone.

To complete your application, you will need to provide:

  • Doctor’s name
  • Your name
  • Address
  • Date of birth
  • Social security number or ITIN
  • Net income
  • Housing information

Upon approval, you can finance purchases over $200 with no interest charges for a set period (six,12,18, or 24 months). Longer terms have higher interest rates.

CareCredit has a list of more than 100,000 dental service providers on their website, making it easy to find a dentist near you that accepts the card.

Compare top credit cards here

Government grants for dental work

Medicaid and the Children’s Health Insurance Program (CHIP) are administered by state governments and provide dental benefits to children nationwide. Adults will also qualify is some states. To find out the details, contact the authorities in your state. 

Grants can change often and vary by location. Try checking with your local county and state governments to find out if there are any current programs.

Online Personal loans

Unsecured personal loans are growing in popularity as technology has made the application and approval process very convenient. Further, an increase in the number of lenders offering loans has created a competitive market where borrowers can get better deals.

If you’re worried about cost or eligibility requirements, quickly find out what you qualify for without any harm to your credit using SuperMoney’s personal loan engine.

It asks you a few questions and then communicates with a network of lenders. Within a few minutes, you can have a list of offers competing for your business, complete with the rates and terms from each company. Only when you are ready to get the loan will you need to allow the company to get a hard pull on your credit.

Find the best dental loan for your needs

Dental costs can be expensive, which can make it hard to get the care you need. However, by shopping around for a dentist that offers an affordable payment plan, knowing about the government programs available to you, and comparing third-party loan options, you can likely find a solution that will work for you.

See what personal loan rates you qualify for in minutes!