Dental Financing?

Question

I took three years off to go back to school full time, and did not have dental ins. I graduated last year and now have a decent paying job and have about 10k work of necessary (not cosmetic) dental work to be done. However, due to credit issues in the past, my credit score is not allowing me to get a typical personal loan to have the work done. My credit is getting better, but I was hoping someone might point me in a good direction. I know I will have to pay a higher interest rate, but I just need some good advice. Thanks in advance.

Answer 1

I was in the same position. Just start calling dentists in your area and find out if they take payments - if not, do they know anyone who does?

I finally found a place that took payments and didn't charge me any interest or fees. I had to leave my credit card number on file and they charged a portion of it each month.

If you really need that much work done, it might be worth investing in an individual dental plan.

Answer 2

I was in the same boat with my eyes last year. I needed surgery and had to basically shop around at the area offices to see who takes a payment plan and whatnot. The banks and credit unions in my area have interest rates that are out of this world - my credit isn't *that* terrible.
I ended up taking a cash advance from my credit card to pay for the surgery and paid back the credit card. Granted, it was less than 4K (which is a far cry from your 10K), but it worked for me. The interest rate was doable. That might be an option for you.
Good luck!

Answer 3

I didn't need that much work but at the beginning of the year I needed quite a bit of work done. I went through this place called Care Credit. You can apply on line and it's basically a credit card to use for medical reasons. My dentists office financed for 1yr and as long as you pay it off in that amount of time they don't charge you any interest.

Answer 4

Have you tried Prosper?