Healthcare Loans
Low Interest Ι Fixed Terms Ι Personal Loan
Checking your rate will not affect your credit score
- $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 Financing
Dental procedures can be costly – and yet, an estimated 76 million Americans do not have dental insurance. For something as essential as your teeth, it is necessary to find other payment methods. At PowerPay, we offer financing specifically for healthcare procedures to help you translate expensive treatments into low monthly costs.
The Benefits of Dental Financing with PowerPay
Powerpay specializes in making the process of financing an elective dental procedure both fast and easy. Some of our highlights include:
- Soft credit pulls, so there’s no impact on your credit score.
- No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
- Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
- Excellent customer service available to help you through every step of the process.
How do I apply for a dental loan?
Applying for a healthcare loan with PowerPay is easy! You can fill out our online application via our website, or your dentist can send you a customized link. You will provide some basic information about yourself and your finances, including your treatment plan and driver’s license information.
Once you have been approved for your loan, your dental practice will be funded for the cost of your procedure. After your procedure is complete, you will begin making monthly payments to PowerPay within 30 days, with amounts based on your chosen loan terms. You can pay off part or all of your loan early without any prepayment penalties.
Should you have any questions regarding financing, contact our customer service team at any time.
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
Orthodontics
The diagnosis, prevention, and correction of mal-positioned teeth and jaws, and misaligned bite patterns
Implants
Replacement tooth roots that provide a strong foundation for fixed (permanent) or removable replacement teeth that are made to match your natural teeth
TMJ
The treatment of temporomandibular joint disorders that affect the jaw joint and muscles that control the jaw
Veneers
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
What is dental care, and why do I need it?
Dental care is the process of keeping your teeth and gums healthy. There are many dental procedures that can be done to maintain good oral health, such as brushing, flossing, fillings, crowns, and visiting the dentist regularly for checkups and cleanings. It is important to maintain dental and oral hygiene because it can help prevent many diseases, such as heart disease, stroke, diabetes, and some forms of cancer.
Does insurance cover dental procedures?
Many people have dental insurance that covers some or all dental costs. However, most dental insurance plans do not cover elective procedures, such as teeth whitening, veneers, or clear aligners. In addition, many dental insurance plans have a limit on how much they will pay for dental procedures each year.
How much do dental procedures cost?
The cost of dental procedures can vary depending on the type of procedure and the dentist you visit. For instance, the average costs for some popular dental procedures include:
-Teeth Cleaning: $75-$200
-Filling: $50-$300
-Crown: $600-$1500
Veneers: $925-$2500
-Dental Implants: $1000-$3000
-Clear aligners: $2000-$8000
Costs are dependent on geographical location, dentist selection & fees associated with the dental procedure.
What are the payment options for dental care?
There are several payment options available for dental care, including:
Out-of-pocket: You can pay for dental care with cash, check, or credit card.
Line of credit: You can take out a line of credit from a bank or other financial institution to pay for dental care.
Credit cards: You can use a credit card to pay for dental care. However, be sure to read the terms and conditions carefully before using your credit card, as some cards may have high interest rates or fees.
Personal loans: You can take out a personal loan from a bank or other financial institution to pay for dental care.
Dental financing: Dental financing is a type of loan specifically for dental procedures.
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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.