Instead of paying for the entire procedure upfront, you may be asked to pay for it over the course of several months. And knowing that should really make you smile. 1. iCare Financial. In most cases, installment loans are likely one of your best options if you encounter a large expense you can’t otherwise cover. Read our full review of OneMain Financial. They direct you to a group of lenders based on the information you provide during the application process. While it’s true your options might be somewhat limited, there are still several lenders that may still work with you. What does this mean for you? A low credit score certainly doesn’t have to get in the way. That may not be an issue if the loan is repaid promptly, but it is something to keep in mind. Not to worry, though, as you still have options. Likewise, you have a variety of financing options to fit your dental problem and financial situation. Even more expensive procedures are easily covered by their maximum loan amount of $35,000. If you need to cover a minor dental emergency, then this could be the perfect place to find that cash. NetCredit is a Chicago based company that provides bad credit loans in most states. Sarah Sharkey is a personal finance writer who enjoys helping people make better financial decisions. Whether it is dental work or a flat tire, life will throw some unexpected expenses your way. Do remember that multiple credit applications will affect your credit score, though. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. If you have a bad credit score, then you should expect to pay a higher APR. You can cover a variety of dental procedures using this card. provides small loans that can be used to finance a small dental expense. Before choosing any financial product, read all information, including terms and conditions from the financial service provider. If you do not have dental insurance to cover the cost, then you may feel unable to cover the cost. The worst thing they can say is no. That is assuming you meet the eligibility requirements. is another company that works to connect borrowers with lenders. That means the interest rate should be (relatively) low, and therefore less costly in the long run. And dental work can be expensive, which might give you a real toothache. If you cannot find another way to fund the loan, then a credit card might be your last resort. In fact, depending on how long you need to repay your dental bill, credit cards may even offer an interest-free way to finance your fillings. Within minutes, lenders that are willing to work with you will send you the details of their offer. LendingClub is a peer-to-peer lending network that offers personal loans for a number of different situations. Thus, if you a middle-of-the-road expense, this could be the route to go. For patients with bad credit dental financing can be a way to improve your credit score while at the same time improving your smile. In fact, the company offers an APR of 155% in some states! We’ve outlined a few good options below. Due to these high costs, we are going to review some of the top dental financing options for bad credit. Loan terms range between 3 and 36 months which should be plenty of time to repay this smaller sum. Not all dentists have in-house payment plans, but it doesn’t hurt to ask. A Healthcare Flexible Spending Account (FSA) can act as a dental loan without a credit check for patients with delinquencies, judgments, or bankruptcy appearing on their consumer report.