Medical Financing

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. If you’re putting off care that you need, you should know that you can get affordable dental loans without a credit check.

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

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

4 dental loans that won’t check your credit

How can you get a loan for dental work with poor credit? Here are four options.

1. iCare Financial

iCare Financial offers instant approval on dental loans up to $20,000. As a patient, you will need confirm that your dental practitioner offers iCare financing — and if they don’t, find one that does. Instead of undergoing a credit check, you’ll pay down 30% of the costs plus an administrative fee and an application fee, and connect an active checking account.

2. SimplePay dental

SimplePay also offers a no-credit-check financing solution for dental work. Again, the first step is to find a dentist that offers this plan. Once you do, all you have to do is 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 partnered with OrthoBanc to help its patients to make interest-free payments on orthodontic treatments or braces. Patients can get instantly approved without a credit check. All you have to do is make a small down payment and connect 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, most dental offices have their own payment programs which may include in-office payment plans. For example, Dr. Muse of LaFayette, Louisiana offers in-office, interest-free financing without a credit check or application.

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

Can’t find a dentist in your area who offers one of the above financing options? Don’t worry, you still have options! Here are a few more low-cost loan solutions for dental care.

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


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.

Personal loans

Unsecured personal loans are a very convenient option, with a multitude of online lenders offering competitive rates. Further, an increase in the number of lenders offering loans has created a competitive market where borrowers can get better deals, so check out what the best personal loans are to ensure that you choose the best option for you.

If you’re worried about cost or eligibility requirements, you can find out what you qualify for without any harm to your credit using SuperMoney’s personal loan engine. Just answer a few quick questions to generate 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 loans with no credit check for your needs

Dental costs can be expensive, which can make it hard to get the care you need. But affordable care is possible. By shopping around for a payment plan, researching the programs available to you, and comparing loan options, you can find a solution that will work for you.

See what personal loan rates you qualify for in minutes!