Treat the healthcare credit card like you would a regular credit card and focus on paying it off as soon as possible to avoid being charged interest. All rights reserved. Applying for several loans in a short period will have a negative impact on your credit score. There are 16 references cited in this article, which can be found at the bottom of the page. If you have been a long-standing patient at your dental office or if you have a payment history at the dentist that shows you can pay your bills on time, you may be able to arrange a payment plan with your dentist. Even so, it’s not always easy to find an NHS dentist in your area and there are still certain treatments that aren't routinely covered by the NHS. Households on low incomes or on certain benefits may be eligible for help with dental costs (but only for treatments covered by the NHS). You’ll find that having dental work done has never been this easy! Schedule a free consultation with us and get started today! You can select a financing plan that fits your budget and lifestyle. After the procedure, I will have to make a large payment every month until the balance is paid off, which I can't afford. At Bright Now! In particular, understand the total amount you'll repay (including interest and fees) – this is the true cost of your dental work. Generally speaking, dental procedures tend to increase in cost the more intensive they become. Currently, there are quite a few providers that offer 0% interest for short-term agreements of six to twelve months. References. Financing may still be a great option for you. Call your dentist in advance to check which ways you can pay. Only practice the advice given or validated by your dentist. Paying for dental treatment in instalments can be a handy solution for work that's not covered by the NHS, such as braces, implants and cosmetic dentistry. If you're missing a tooth, the NHS will provide dentures or a dental bridge but probably not a tooth implant. In this situation, it's worth exploring other payment options because you may get a better deal from a personal dental loan. There are many variables to consider, so it's important to research your options and understand what you're signing up for. It depends on the dentist. If you still can’t afford the work, try looking for dental school clinics in your area, which often have reduced rates. If you want more time to manage your payment, that’s possible! If you go to a dentist outside of the preferred providers, you may have to pay for your dental work out of pocket. Include your email address to get a message when this question is answered. Obtaining credit for dental work when you have bad credit can be tough, and it's unlikely you'll get dental finance with no credit check in the UK. For a monthly fee, you'll get a variety of benefits which vary from practice to practice, but often include: Compared to dental insurance, credit cards, and other financing options, an in-office savings plan can help you save money on your care and predict how much you'll pay every month. Each provider has their own terms which will affect: Paying this way can work out quite cost effective, if you get good terms. Whatever you decide to do, read the small print carefully, and make sure any time you borrow money you check the product is suitable and affordable for you. Ways to pay for dental treatment in instalments. Leaving care behind due to financial concerns will usually result in a higher dental bill later on. Before you go through the application and credit check process, check with your dentist that they definitely do accept credit cards. You will be required to pay the minimum balance once a month and pay off the balance within the allotted time. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. A financing plan gives you the convenience of choosing treatment right away. The NHS does provide braces for adults, but only in cases where orthodontic work is deemed medically necessary, and only standard wire braces. You don’t need to worry about how to pay for it right then! A payment plan could help you achieve the smile of your dreams. With a better understanding of your options, we hope you'll be able to make a more informed decision about what's right for you. Some insurance companies arranged through an employer may require you to pay for the dental work upfront and then submit a receipt to be reimbursed for the cost of the dental work. This means that you enjoy the benefits of dental implants right away. For more tips from our Medical co-author, including how to find the most affordable dentist, read on. For any questions or concerns about your medical condition and/or deterioration of your state of health, always consult your doctor or your dentist. In 2006 the EU ruled that dentists could not apply extra credit card fees, but as Britain has now left the EU, dentists may start charging these fees again. It’s worth checking what the chances are of any extra work being needed later, so you can give yourself a buffer. Still, you might prefer to have a ‘dental credit card’ which you use exclusively for visits to your dentist. We have a full guide to payment plans which has lots more information about paying this way. After selecting a loan for your dental work you will need to formally apply. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. Before you explore paying for dental treatment in instalments through a dental loan or a dental credit card, shop around your area to make sure you are happy with the price. Having your teeth checked and cleaned on a regular basis will help you avoid costly and painful procedures in the future. Talk to your dentist about a payment plan. If you're considering getting a ‘dental credit card’ you should check with the bank how this protection might apply if you use your credit card for dental treatment. But if your bad credit score stems from missed loan or mortgage payments, CCJs, or bankruptcy, then you will find it harder to get a dental loan or other finance. The information contained on Dentaly.org is not a substitute for appointments with your dentist, including regular checkups as recommended by the ADA/Oral Health Foundation. Once you know how much you need to borrow you can search online for the best dental loan deal for you or speak to your existing bank. How does a personal loan for dentistry work? She has been a regular contributor to Dentaly.org since 2017. Many dental credit plans are done through financing companies that will try to make the agreement as favorable for them as possible. It might be some consolation to know you're not alone in struggling to pay for dental work. If you do not agree with these conditions and our. Powered by the Anvil Framework, *Free Consultations for all locations except Windsor, Saskatoon, Ottawa & Edmonton West. Want to improve your smile fast? If you want to pay it off as quickly as you can, that’s possible, too! {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/8\/84\/Pay-a-Dentist-Step-1-Version-2.jpg\/v4-460px-Pay-a-Dentist-Step-1-Version-2.jpg","bigUrl":"\/images\/thumb\/8\/84\/Pay-a-Dentist-Step-1-Version-2.jpg\/aid1595199-v4-728px-Pay-a-Dentist-Step-1-Version-2.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"