Most insurances don't cover enough of the dental procedures that we need to have done and locating dental financing for people with bad credit can be a breathtaking task. Sometimes you can get a relative or friend to co-sign for a dental loan or they might be able loan you the money you need. However, if your unable to there are a few other alternatives to getting dental financing with bad credit.
The first step you should take if you have no dental insurance and before you visit a dental office is to sign up for a discount dental plan. One website called Dentalplans.com offers individual dental plans that start at less than $80 per year. These plans make it easy for you to save on dental care without the paperwork hassles and annual limits of individual dental insurance and can be used immediately. Consumers can have access to a network of more than 100,000 participating dentists offering discounts on most dental procedures. Even if you already have dental insurance, the discounts offered by their discount dental plans may be used along with your dental insurance for even more savings on your dental care. You must be at least 18 years or older to purchase a discount dental plan. However, there are no age maximums.
If you are need of financing, one Company called PatientSource.net can help people with bad credit obtain dental financing for implants, crowns, root canals and just about every other thing that you can think of including braces. There is no cost to apply and the loan can be used at any doctors office across the USA. Many of the programs they offer have interest free financing for up to 1 year with payment terms from 1 year to 5 years.
Another helpful solution to obtain a dental loan is a credit community website called Prosper.com, which is a marketplace for credit that enables people to lend money to other people. Prosper has groups available that borrowers can join and request 3-year, fully amortized loans from $1000 to $25,000 with a credit score as low as 640. Learn more about applying for a bad credit unsecured loan through the Prosper Marketplace.
Some local dentist offices offer in-house financing for consumers with bad credit. One example is the Atlanta Dental Group located at 1624 Piedmont Avenue in Atlanta, Georgia. They help patients that really want it and when they commit themselves to working with the Atlanta Dental Group staff. They require you to have a government issued identification such as a driver's license, Georgia ID card or a US Passport. The second requirement for their bad credit dental financing patients is a current active checking account. To locate a dentist in your area, call around and explain your credit situation to the local dentist offices and ask if they are able to provide in-house financing or some type of payment arrangements. If the first place you call can't help you, don't get discouraged, try the next one and so on.
You may also want to call the major hospitals in your area that perform dental work. Some hospitals offer discounted and even free medical plans that include dental if your income meets their criteria (based on your income and dependents). For example, a hospital located in Cleveland, Ohio called Metrohealth offers this service. These hospitals don't normally advertise these discounted dental and health insurance plans available so you will want to contact them by phone.
Finally, you may want to contact dental schools in the area where you live. These schools and colleges will accept patients at a very deep discounted price that is usually at cost so they can show their students how the dental work is performed. One such school is Case Western Reserve located in Cleveland, Ohio that is one of America's top universities. To become a patient at their School of Dental Medicine, you will be asked to complete a registration form, health questionnaire and financial agreement, and bring current radiographs (x-rays) on film or compact disc (if additional radiographs are needed they will be taken at the first or second appointment and you will be charged accordingly). After a brief oral evaluation, a faculty dentist will discuss your dental needs and concerns with you and determine if your treatment is appropriate for the student clinics. (The screening process is not a complete examination and the dentist will not provide a definitive treatment plan or cost estimate at this appointment.) If approved, you will be assigned a student doctor and the 2nd appointment can be made.