Dental Loans
Made Easy

Save money with $0 merchant fee options!

Offer low payment options for dental costs and
procedures through our quick and easy process!

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Dental Services

Clear Aligners

Offer dental loans for clear aligners.

Cosmetics & Orthodontia

Offer dental loans to your patients to improve their smile and the position of the teeth and jaw to overcome an improper bite.

General Dentistry

Offer dental loans for the overall oral health care needs of your patients.

Gingival Contouring

Offer dental loans for gingival contouring.


Offer financing for the treatment of irregularities in the teeth and jaws.


Offer financing for dental implants.


Offer financing for temporomandibular joint disorders.


Offer financing for veneers.

Offer Financing for Your Dental Patients

As a dental provider, you know how essential teeth are to our overall health and wellbeing. And yet, an estimated 74 million Americans have no form of dental insurance, making the costs of dental procedures a leading deterrent to receiving care. Luckily, there are ways you can help make your services more accessible and affordable. Offering dental financing to your patients is worth considering as both a healthcare professional and a business owner. There are multiple ways to do this, so it is important to choose the best option for your practice.

The Benefits of Dental Financing with PowerPay 

PowerPay is a dental financing company that offers several benefits to both patients and providers by working directly alongside them. Some of our highlights include:

  • No hidden HCP/ office fees
  • Quick payment solutions to help your patients cover their procedures
  • Receive payment right away with our instant approval process
  • Financial management help for coordinating loans with patients
  • No more chasing down customers for payments

How do my patients benefit from financing?

There are many benefits for patients when they choose to finance their dental needs. Some of these include:

  • No upfront costs. Patients can get the procedures they need without having to pay any upfront costs.
  • Lower interest rates and flexible repayment terms. 
  • Afford procedures not covered by insurance. That root canal or implant is no longer out of reach!

How It Works 

We know how much you do as a dental provider and business owner — that’s why we pride ourselves on making the enrollment process as simple as possible. Once you enroll your business with PowerPay, our team will begin training you and you will be able to offer loans to your patients. We also provide a number of resources to help your business get started, including mobile links, printed guides, excellent customer service, marketing assistance and even on-demand assistance for any loan.

Once your team has been approved and trained, your patients can apply directly for a loan via our website or yours by simply clicking a link. Our team will review their application within 24 hours and then assist with loan product selection, including collection of identity, all necessary loan documents, process of stipulations for any applications that might need more work, and funding. For more support, we have a team on stand-by from 8 AM – Midnight (EST) everyday!

PowerPay’s Concierge service is also available for any healthcare professionals new to patient financing, or who simply need additional resources to help manage the loan process. With Concierge, your practice will have a dedicated personal finance manager to handle all of the tedious tasks involved in the loan process for you.


of Americans have less than $600 in savings.


of dealers report financing increases their average sale.


of cardholders feel promotion financing makes their larger purchases affordable.

Why should I offer dental financing at my practice?

There are many benefits to offering financing to your patients. To name a few:

  • Grow your client base. Offering loans can help you attract new patients who may not have been able to afford your services otherwise.
  • Increase customer satisfaction. By offering financing, you can make it easier for your patients to get the treatment they need.
  • Improve cash flow. Offering loans can help improve your business’s cash flow by providing you with payment upfront.
  • Decrease cancellations. By removing the obstacle of finances for your patients, they will be able to follow through with receiving your service.

Why might a patient need to finance dental care? 

In some cases, patients may not have the money upfront to pay for the procedure. In other cases, patients may want to spread out the cost of the procedure over time. While insurance does cover some dental procedures, there are others that it does not, either because it is considered an elective procedure or because the patient has reached their maximum out-of-pocket spending limit. Whatever the case, there are multiple financing options available to help patients pay for care they might not otherwise be able to afford.

Other Payment Options 

In addition to loans, there are other financing options available to patients. Some of these include:

  • Using a line of credit
  • Insurance
  • Credit Cards
  • Savings

Based on your patient’s unique financial situation, they should choose the payment method that works best for them. By offering healthcare financing as an option, you can give your clients another means of affording care.

Win More.

Close more sales by focusing on low monthly payments

Keep More.

Eliminate paying fees to banks and finance companies

Earn More.

No more compromising on price – upsell the project your customer really wants.


Dental Loan Financing for Dental Professionals FAQs

How can I offer dental financing to my patients?

To offer dental financing to patients, you can contact a company that specializes in providing dental loans or visit their website. Consider reading reviews written by other dentists about these companies before signing up with them so that you can choose the best option for your practice. Whether you’re paying upfront or your patient is paying later on, be sure to read the fine print of your contract with any financing company. 

Will my patient’s credit be hit when they apply for dental financing?

It depends on the loan provider. Some loan providers will check the credit of the person taking out the loan, while others will not. If the credit is checked, it could temporarily lower the score of the person taking out the loan. If you are thinking about offering dental financing, it is important to research different lenders and compare terms.

What are the options for financing dental procedures these days?

Dental patients have multiple options for financing their dental procedures and needs. Many use insurance when and where possible, but for elective dental procedures not covered by insurance, most often dental procedures are paid out-of-pocket, through credit cards, or personal healthcare loans. Ultimately, selecting which method to use depends on what services a patient wants to finance, how fast they want a procedure done, and their financial status. Offering dental financing provides support for patients who may not be able to afford procedures otherwise.

Offering Dental Loans & Financing through PowerPay FAQ

Visit the PowerPay FAQ for businesses to learn more about offering patient financing for elective dental treatments and procedures, as well as answers to other frequently asked questions.