How To Pay for Dental Work With Bad Credit

There are many types of emergencies that require quick cash. But medical and dental emergencies are definitely the most serious. There are options available to you if you’re in need of emergency dental work, even with bad credit. Read on to learn how to pay for dental work with bad credit. 

Dental Payment Assistance

If you’re currently dealing with a dental emergency, you may be able to get the assistance you need while paying little-to-no money. For example, there are a number of options for getting dental work with bad credit with or without a loan, including government assistance programs, dental school programs, medical insurance, clinical trials, and other state/local resources.

While it is possible to get the help you need for dental work, despite your credit score and current finances, it will take some research. Below are a few options that may help you.

Getting Dental Work With No Money

The following services exist to help people get the medical and dental care they need. All of these resources can be found on the website for the U.S. Department of Health and Human Services. 

The Health Resources and Services Administration (1-888-Ask-HRSA) offers federally-funded health centers all over the US. These centers offer low-cost—or even no-cost—health and dental services. 

Medicaid is a state-run program that provides health and dental benefits to qualifying individuals without health insurance. Each state has different requirements for who can qualify for these benefits. Call the Centers for Medicare and Medicaid Services to learn more about the qualifications in your state (1-800-MEDICARE). 

Dental schools and dental hygiene schools may allow you to get dental work done by students at a reduced cost. Don’t worry, they’re closely supervised and monitored by licensed dentists. Check out the website for the Commission on Dental Accreditation, and click “Find a Program.”1

I Need a Dentist With Payment Plans Near Me

If you would prefer to pay for your dental work by spreading your payments out over time, that may be an option as well. 

Some dental offices may allow you to pay through a payment plan. This means that they would provide the dental work, and then give you a bill for the total. They would then allow you to make monthly payments over time, until the total is repaid. 

This may not be something that all dentist offices offer. Call some local offices near you and ask whether or not they offer payments plans. 

What Is No Credit Check Dental Financing?

Whenever a lender or financial institution advertises “no credit check loans” or financing, it simply means they won’t check your credit before providing you with a loan. This is seen most commonly with subprime loans. 

Many payday, title, or pawnshop lenders may offer no credit check loans. And for borrowers with poor credit scores, this can be an attractive option. But can you find this type of financing for medical services or dental work?

The short answer is that any of those personal loan options mentioned above can be used for necessary dental work. But before opting for a high-interest, small-dollar loan make sure you explore all of your options. There are many state/local programs that may be able to help you get the care you need. 


Where Can I Find Low Cost Dental Care?