Dental Loans for Bad Credit
Emergencies and dental procedures can’t wait for your credit score to improve. Get the oral healthcare you need today with flexible financing options designed for people with less-than-perfect credit.
Get a decision in 3 minutes
No upfront fees or costs
Applications open 24/7
Use funds for any treatment
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Dental Loans
Quick Approval Process
Complete our simple application and connect with dental loan specialists in about 3 minutes¹. No need to postpone essential dental care while waiting for traditional bank approvals. Our network of lenders understands that your health can’t wait.
Fast Access to Funds
Once approved, you could receive money for your dental treatment as soon as the next business day*. Whether it’s an emergency root canal or planned cosmetic procedures, we help you get the healthcare you need without delay.
Best Dental Loans for Bad Credit
Our lending partners look beyond credit scores when considering applications. Many specialize in helping patients who’ve been denied elsewhere get the funds they need³.
How Dental Loans Work
Dental loans are personal loans specifically designed to cover treatments and procedures that your insurance might not fully cover. When you apply through Yup Loans, we quickly connect you with lenders who understand that oral health is essential healthcare, not a luxury³.
The application process is completely online and designed with busy patients in mind. After submitting your information through our secure platform, we’ll instantly match you with direct lenders who specialize in dental financing options. If approved, you’ll receive offers with transparent terms showing interest rates, payment schedules, and total costs. You’re never obligated to accept an offer that doesn’t fit your budget.
Once you accept an offer, funds are deposited directly into your checking account as soon as the next business day*. You can then pay your dentist directly or use the funds for any dental expenses. Repayment happens through scheduled installments over the agreed term, making it easier to budget for your treatment plan. Unlike credit cards with variable rates, these typically offer fixed payments, so you know exactly what to expect each month⁴.
Get a Dental Loan for Bad Credit in 3 Easy Steps
1
Quick Application
Fill out our simple online form in minutes to connect with dental loan specialists.
2
Review Your Offer
Check the terms from our matched lender and decide if it fits your budget.
3
Get Funding
Once approved, money can be deposited directly into your account within the next business day*.
You Can Use Dental Loans For…
Your oral health affects your overall well-being, confidence, and quality of life. Our lending partners provide financing that can cover virtually any costs or procedure, including:
- Emergency procedures and pain relief
- Root canals and endodontic treatments
- Crowns and bridges
- Tooth extractions and oral surgery
- Dental implants and restoration
- Orthodontics and braces for adults and children
- Cosmetic dental procedures and teeth whitening
- Periodontal (gum) disease treatment
- Dentures and partial dentures
- TMJ treatment and night guards
- Preventive treatments and deep cleanings
- Procedures not covered by insurance
Reviews
Alicia T., Denver, CO⁵: “When I cracked my tooth on a Friday night, the pain was unbearable. My dentist said I needed an emergency root canal, but my insurance would only cover half. With my credit history, I thought I was stuck. Yup Loans connected me with a lender over the weekend, and I had the funds by Monday morning. I got the treatment I needed without having to suffer through weeks of pain waiting for my next paycheck.”
Jason M., Chicago, IL⁵: “My son needed braces, but we were quoted $4,500 upfront. As a single parent with past credit issues, traditional financing wasn’t an option. Yup Loans found me a solution with manageable monthly payments that fit our budget. The orthodontist accepted the payment immediately, and my son started his treatment the same week. Seeing his confidence grow has been worth every penny.”
Frequently Asked Questions About Dental Loans
Can you get a loan for dental work?
Through our network of specialised lenders, you can get financing specifically for oral healthcare. These personal loans are designed to cover any type of treatment, from emergency procedures to planned cosmetic treatments. Many people use this financing when their insurance doesn’t cover the full cost of treatment or when they need procedures that aren’t covered at all.
What is the minimum credit score for a dental loan?
There’s no specific minimum credit score requirement through our network³. Our lending partners focus on your current financial situation and ability to repay rather than just your credit score. Many people with credit scores around 500, including those with bankruptcy or no credit history, have successfully obtained financing through our service.
Can dental finance affect your credit score?
This financing can affect your credit score both positively and negatively. Making your payments on time can help improve your score over time, while missed or late payments may hurt it. Our lenders may perform credit checks during the application process, and the financing will appear on your credit report once approved, so it’s important to only borrow what you can comfortably repay.
Can I use financing for cosmetic procedures?
Most options can be used for both necessary treatments and elective cosmetic procedures. Whether you need emergency treatments, routine procedures like fillings and crowns, or cosmetic options like teeth whitening and veneers, this financing provides the flexibility to get what you want without waiting.
Get Your Dental Loan Today
Don’t let bad credit keep you from getting the oral healthcare you need. Your smile and health are too important to wait. Our quick application takes just minutes to complete¹, and you’ll get a decision faster than scheduling your next appointment*.