Can I Dental Implants With Bad Credit

Dental Implants With Bad Credit
November 26, 2019
by FastNewSmile®

The cost of dental implants seems to be the main aspect of our procedure that holds potential patients back. This is especially true for people living with bad credit. While the idea of financing may seem like an impossible feat for someone with poor credit history, the team at FastNewSmile® believes that everyone deserves a smile they can be proud of.

While we can’t hit “reset” on your credit, our Fort Worth and Dallas dental implant offices can help you on your journey to the smile of your dreams! Here are some attainable ways to accomplish dental implant financing with the credit score you’ve got!

Even with Good Credit, Dental Insurance Can Be Cumbersome

While many people often try to resort to dental insurance to cover their costs, the fact is, that most traditional carriers won’t cover the procedure. However, our dental implant surgeons believe that everyone should have at least a fighting chance.

Even though we aren’t participating providers with any carriers we will still help you file a claim on your PPO plan. After all, any chance for a new smile is a chance worth taking.

Loans for Dental Implant Surgery

Yes, we know the idea of a loan with bad credit history seems farfetched, but it is possible to get help financing in your situation.

When applying for a loan your options are secured and unsecured. Unsecured loans are the standard and are more difficult to get based on your risk potential.

Secured Loan Possibilities

A secured loan offers a way for patients to pay for oral surgery while offering up a form of collateral that ensures payment. We’ve seen patients go on to have successful dental implant surgery through the use of a reverse mortgage.

This is a loan for senior homeowners that grants access to a portion of their home’s equity, using the home as collateral. In a scenario where a traditional loan isn’t an option, resorting to a reverse mortgage, home equity loan, or cash-out refinancing can be a viable option so long as you’re up-to-date with payments.

Loans with Flexible Payment Plans

Although there is always the risk of being denied a loan, there are loans out there that are patient-centric and offer financing plans, sometimes with no-interest, that can help you follow through with one-day teeth replacement in financial comfort. 

Some of the loans patients have worked with in the past to see their FastNewSmile® have been:

  • GreenSky
  • CareCredit
  • LendingClub
  • LendingUSA

Flexible Spending Account (FSA)

Finally, if you want to experience the benefits of dental implants this holiday season, check with your employer about your company’s FSA policy. This policy is made up of funds deducted from your paycheck that can be used throughout the year on a debit card from your insurance company. Once again, based on what your insurance dental plan covers, this option is still a roll of the dice based on whether if your dental implants are deemed a need or cosmetic.

Let Us Help You Achieve Your Fast New Smile

We want you to have the smile you deserve. At FastNewSmile ®, we will help you make the necessary financial decisions that will help get your oral surgery on our schedule. Contact us today to find out more about the financing options we offer at our Fort Worth and Dallas locations.