Healthcare Loans
for Dental

Low Interest  Ι  Fixed Terms  Ι  Personal Loan

Checking your rate will not affect your credit score

Financing for Elective Health Care Procedures

PowerPay is all about helping our clients improve their lives by helping you purchase large and expensive things and convert them to low and affordable monthly payments.  Elective procedures in vision, dentistry, cosmetic surgery, fertility treatments, and medical spa treatments are important and can be very costly.  With a  PowerPay health care loan – a $5,000 procedure can cost less than $75 per month.

We make the process of financing an elective procedure both fast and easy. It starts with a 2-minute application with instant approval to signing an electronic document and you are ready to start improving your life.

Industry best program

Up to 72 month terms, rates 9.99% to 12.99%
and max loan of $35,000

Streamlined process

Instant Decisions of Electronic loan documents
create a fast, easy flowing process

No prepayment penalties

Pay off part or all of the loan at any time
with no fees

Dental Services

Clear Aligners

Also called invisible aligners, these are a type of orthodontic treatment that corrects misaligned or crooked teeth

Cosmetics & Orthodontia

The amendment of misaligned teeth to improve the appearance and functioning of the teeth

General Dentistry

The evaluation, diagnosis, prevention, and treatment of diseases and conditions of the body’s oral and maxillofacial region

Gingival Contouring

A procedure that permanently smoothes out an uneven gum line, particularly when you have receding gums or “long” teeth


The diagnosis, prevention, and correction of mal-positioned teeth and jaws, and misaligned bite patterns


Replacement tooth roots that provide a strong foundation for fixed (permanent) or removable replacement teeth that are made to match your natural teeth


The treatment of temporomandibular joint disorders that affect the jaw joint and muscles that control the jaw


Thin coverings that are placed over the front (visible) part of the tooth to correct a wide range of dental issues, such as teeth that are stained and can’t be whitened by bleaching. or chipped or worn teeth

Calculate your monthly loan payment

Term (In Months)

Annual Percentage Rate

How it Works

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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 Financing FAQs

Can you get a loan for dental work?

Yes, but it is important to note that different types of dental loans impose certain requirements and limitations on the borrower. For example, some lenders require a credit history and an established monthly income before they will consider lending to you. When looking for a lending partner, it’s important to pay attention to the speed and ease of application, as well as low APRs and long term repayment options.

How to finance a dental procedure?

Multiple options are available to finance dental procedures, including cash, credit cards, or healthcare loans and choosing the best one depends on a patient’s specific needs. For those with available funds, it may make sense to pay in cash, but for anyone else without upfront cash, a healthcare loan may be the best option for financing a dental procedure as they are designed specifically for medical expenses and the best loan partners offer low interest rates and long repayment terms with no prepayment penalties.

How to get a loan for dental work?

The process of applying for a loan is going to vary from one lender to the next. How quickly a loan is needed, how much money is needed, and credit score will all play a role in where and who will give a loan. The best loan providers will have a simple and easy to use online application process with approval in a few minutes or less.

How long can you finance a dental procedure for?

Dental finance terms are usually on repayment plans of 36, 48 or 60 months. Surgical procedures typically require at least 12-18 months of payments before the final payment is due, while restorative treatments can range from 9-12 months for eradication. Financing options can vary widely among dental practices and providers, including interest rates and terms offered so it’s best to check with your Dental Healthcare provider and financial institutions to find out what kind of loan agreement makes the most sense for you.

PowerPay Dental Financing & Loans FAQ

Learn more about our loans and find answers to top questions about PowerPay financing when you visit our borrower FAQ.