This question is about Dental Loans @adam_mccann • 11/08/19 This answer was first published on 11/08/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not
provided, reviewed or endorsed by any company. A dentist may offer payment plans, but not all dentists do. A payment plan spreads out the cost of a dental procedure over time, whether it’s a filling, root canal, set of dentures, etc. Payment plans are especially useful for people who don’t have dental insurance, or whose dental insurance doesn’t cover the full bill. Dental costs often can be too expensive to pay all at once, with procedures like dentures costing
$1,000 to $3,000 and braces running up an average bill of $5,000 to $6,000. The availability and terms of payment plans differ drastically from dentist to dentist. Some dentists’ plans may require weekly payments; others may have monthly payments. And some payment plans are interest-free, at least for a certain period of time, while
others do charge interest. Before taking care of your dental needs, call up dentists in your area to determine which have payment plans and what terms they offer. Make sure to find out what procedures or dollar amounts qualify for payment plans, and inquire whether the dentist will pull your credit when deciding whether or not you are eligible. One example of a dentist payment plan is from Bright Now! Dental, a chain of dentist offices. They offer three different plans. The first involves
making a down payment on your procedure and then paying off the rest over time with interest-free installments. Some patients may also qualify for a no-money-down, no-interest plan. And for people who need extended financing, Bright Now! offers up to 48 months to pay off procedures at a 14.99% APR. To qualify for any financing plan, patients will need to have an active checking account and usually must make a 30% - 40% down payment on the procedure cost. If you can get a dental payment plan with 0% interest, the option is worth taking. Just make sure it’s not deferred interest, where if you don’t pay in full by a certain date, you owe interest at a high APR from the date of purchase. If the available payment plans do have interest, you may want to consider other options. You can get pre-qualified for some personal loans to see if a loan would give you a better APR. You could also consider using a 0% APR credit card, or borrowing some cash from a family member or friend.  Answer Question People also askWhat are the best credit cards for dental work?One of the best credit cards for dental work is the U.S. Bank Visa® Platinum Card. It gives you a 0% intro APR on purchases for 18 billing cycles (17.49% - 27.49% (V) regular APR). That’s a long time to finance costly medical procedures like dental work. Plus, the card has a $0 annual fee. You do need to have good credit in order to get it, though.… read full answer If you want a long financing period but your credit isn’t in as great shape, you could go for the CareCredit Credit Card. You only need fair credit to get it. And it’s designed to give you promotional financing on most types of medical procedures. That includes all kinds of dental work from regular checkups and fillings to root canals and braces. You can have 0% deferred interest for up to 24 months on some procedures. But deferred interest is only good if you’re able to pay off your balance in full within the 0% timeframe. Otherwise, you’ll owe interest as if a 26.99% APR had been in effect the whole time. Deferred interest is a bit deceptive; it makes you feel like you don’t owe interest when you really will if you don’t pay by a certain date. If you’re simply looking to get the most bang from the bucks you spend on dental work, you could go for a solid cash back card like Citi Double Cash Card. Just keep in mind that if you pay for a dental work with a credit card there may be a surcharge, which could cancel out the value of any rewards you get. In that case, you’d need a card with a big initial bonus to make it worth your while. Here are some of the best credit cards for dental work:
You should always be wary of deferred interest financing. If you have fair credit, cards with deferred interest will offer you the longest 0% periods, but you could get stuck with a mountain of interest if you don’t pay in full by the end of the intro period. So, it’s safer to put your financing on a card with true 0% interest. If you’re looking for rewards instead, a card with a big initial bonus is probably the way to go as you’ll be able to quickly meet the spending requirement. show less WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? Can you pay in installments at the dentist?Yes, normally private dentists offer payment plans to help spread the cost of dental treatment. Also, you can have a set monthly plan that includes all your dental needs for the year. This way you can be budget and feel comfortable to not have to worry about a large dental bill again.
Do dentists bill you later?Most dentists offering payment plans receive money upfront for 100% of the projected procedure costs from a third-party financing company. They rarely bill patients later in installments, as many people mistakenly assume – with one possible exception.
Where can I go to a dentist without insurance?Dental school clinics and community health centers can be good options for finding quality dental care at reduced prices. Dental savings plans and membership programs can offer major discounts on procedures such as exams, cleanings, and fillings. They charge an annual fee. Talk to your dentist.
What credit score do you need to finance dental implants?You don't need to prove your creditworthiness for dental implants themselves. If you want a credit card, or a loan, however, lending institutions will do a thorough check. Requirements as to your credit score are usually determined individually. The rule of thumb is that it should be at least 600.
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Dentist near me that take payment plans
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