{"id":8033,"date":"2022-09-12T12:14:00","date_gmt":"2022-09-12T11:14:00","guid":{"rendered":"https:\/\/blinkx.com\/?p=8033"},"modified":"2023-08-24T16:19:06","modified_gmt":"2023-08-24T15:19:06","slug":"how-to-pay-for-dental-work-with-bad-credit","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/credit\/how-to-pay-for-dental-work-with-bad-credit\/","title":{"rendered":"How To Pay For Dental Work With Bad Credit"},"content":{"rendered":"\n

How To Pay For Dental Work With Bad Credit<\/h2>\n\n\n\n

how to pay for dental work with bad credit. Paying for necessary but costly dental care is difficult for many people, but\u00a0even more so if you have bad credit. Bad credit makes it harder to get approved for certain loans and credit card options that you\u2019d typically turn to if you lack the funds to afford dental care. Luckily, it\u2019s still possible to pay for dental work with\u00a0bad credit. Common options include:<\/p>\n\n\n\n

Read on to learn more about how to pay for dental work with bad credit.<\/p>\n\n\n\n

What is dental financing?<\/h2>\n\n\n\n

Dental financing usually involves borrowing money needed to pay for treatment and paying it off over a set period of time. If you can\u2019t afford a costly dental procedure or even basic routine care, you might be wondering what dental financing options are available to cover the costs. There are a few avenues to consider, including medical loans,\u00a0personal loans, a standard credit card or a payment plan through your dental provider.<\/p>\n\n\n\n

Medical and dental loans<\/h2>\n\n\n\n

A medical loan is a type of personal loan that\u2019s used to\u00a0pay for medical care. You can get a generic personal loan to fund just about any medical procedure, but many lenders also offer dental loans specifically meant for dental work.\u00a0<\/p>\n\n\n\n

A dental loan is unsecured, meaning you aren\u2019t required to provide collateral (such as your home or car) to secure funding. While this makes for a safer option if you end up defaulting, it usually requires a higher credit score in order to qualify. That said, there are still lenders who provide personal and dental loans specifically for those with poor credit\u2014but prepare for higher origination fees and interest rates if your credit score isn\u2019t the best.<\/p>\n\n\n\n

To learn more about securing a loan with bad credit,\u00a0this article\u00a0can walk you through what you should know.<\/p>\n\n\n\n

Dental credit card<\/h2>\n\n\n\n

Dental credit cards are another option for financing dental procedures. They\u2019re a type of medical credit card that can only be used to pay for certain healthcare expenses, including dental care. These cards only work within a specific network of medical providers, so it\u2019s important to confirm your dentist is in-network with any dental credit card you\u2019re considering.<\/p>\n\n\n\n

While dental credit cards are often favored for their swift application and approval process, most come with\u00a0deferred interest\u2014meaning you can make interest-free loan payments for a set period of time. This can work in your favor if you\u2019re confident you can pay the entire balance in full and on time. But if you fail to pay the full balance in time or miss even a single payment along the way, a high interest rate kicks in and is applied to your entire original balance, including past payments.<\/p>\n\n\n\n

Regular credit cards<\/h2>\n\n\n\n

It\u2019s possible to finance dental care with a regular credit card, and many offer an introductory zero percent annual percentage rate (APR). This allows you to pay down your balance without interest during a specified time frame. The advantage of a regular credit card over a medical credit card is it doesn\u2019t include deferred interest. However, these cards typically require good to excellent credit. <\/p>\n\n\n\n

That said, there are plenty of lenders who offer credit cards specifically for poor credit carriers. Just be sure to shop around and compare the rates of different lenders to ensure you get the best deal possible. Keep in mind that introductory APR offerings, loan terms and interest rates will vary depending on your credit score, and that it may be easier to get a secured credit card rather than an unsecured card if you have bad credit.<\/p>\n\n\n\n

Dental payment plans<\/h2>\n\n\n\n

Some dentists offer payment plans or in-house financing through third-party lenders. If you find a dentist that provides payment plans and you can afford the monthly payments, this is a great option since you can avoid loans and financing charges altogether. <\/p>\n\n\n\n

Other dentists may work with certain lenders to provide in-house financing, and these rates and terms will vary depending on the lender. Some lenders may offer loans without a required down payment, or a lower-cost down payment than a personal loan. Some may not even require a credit check to give approval, but be sure to do your research and watch out for high interest rates if there are any. It\u2019s best to speak with your dental provider for full details.<\/p>\n\n\n\n

Can I get a dental loan with bad credit?<\/h2>\n\n\n\n

The answer to this depends on your personal credit score and financial situation. In general, bad credit usually makes it more challenging to secure any type of financing. If your poor credit score is due to a few late bill payments, you may have a higher chance of securing financing than if your credit score has dropped because of something like a missed mortgage payment or bankruptcy. <\/p>\n\n\n\n

That said, there are credit card and loan providers who offer financing specifically for those with bad credit. Keep in mind that most personal loans and credit cards require a credit check before you can be approved, and some lenders might deny your application or charge steep interest rates and fees if they are willing to lend to you.<\/p>\n\n\n\n

Alternatives to dental loans<\/h2>\n\n\n\n

If you find that you\u2019re unable to qualify for affordable financing, don\u2019t assume it\u2019s impossible to get the dental care you need. There are a handful of other options you can explore:<\/p>\n\n\n\n

Shop around for affordable care<\/h3>\n\n\n\n

If the dental treatment you need isn\u2019t an emergency, you have the advantage of time on your side\u2014time you can spend researching more affordable alternatives. Do some research on different dentists and compare costs for the services you need, and you might be able to find a provider that fits your budget.<\/p>\n\n\n\n

Another option is to search around for dental schools in your area. Some offer treatment performed by dental students under the supervision of an established dentist, and it often comes with a significantly lower price tag than what you\u2019d find at your typical dentist\u2019s office.<\/p>\n\n\n\n

Negotiate with your dental provider<\/h3>\n\n\n\n

While this avenue isn\u2019t guaranteed, you can always try negotiating payment with your dental provider. For example, if you can afford to pay part of the cost of treatment, you can see if your provider is open to negotiating the total cost. <\/p>\n\n\n\n

You can also do some research to determine the going rate of the treatment you\u2019re after. If you find your dentist is charging more than the standard average cost of your treatment, you can attempt to negotiate a lower bill. The FAIR Health Consumer Database<\/a> provides neutral information on different healthcare costs, and you can use it to search for the average cost of the procedure you need.<\/p>\n\n\n\n

Ask a friend or family member to cosign a loan<\/h3>\n\n\n\n

While you might feel hesitant to enlist the help of family or friends when it comes to your financial situation, it can still be worth considering if you\u2019re struggling to afford much-needed dental care. This doesn\u2019t have to mean asking them to lend you money\u2014an alternative approach could be asking them to cosign on a personal loan or credit card.<\/p>\n\n\n\n

If you\u2019re having trouble finding affordable financing, adding a cosigner with a strong credit score to a loan or credit card can help you secure funding you wouldn\u2019t otherwise qualify for. This can increase your chances of being approved for loans with more favorable rates.<\/p>\n\n\n\n

Maintaining your dental health is important for your overall well-being, but the steep costs are a barrier for many. If you need to finance dental treatment in order to afford required care, the financing options above can help you get the funding you need\u2014even with a bad credit score. <\/p>\n\n\n\n

Remember to spend time weighing the pros and cons of each financing option as it applies to your financial situation, and carefully consider the different interest rates, loan terms and fees associated with each before making any commitments.<\/p>\n","protected":false},"excerpt":{"rendered":"

How To Pay For Dental Work With Bad Credit how to pay for dental work with bad credit. Paying for necessary but costly dental care is difficult for many people, but\u00a0even more so if you have bad credit. Bad credit makes it harder to get approved for certain loans and credit card options that you\u2019d … Read more<\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[44],"tags":[],"yoast_head":"\nHow To Pay For Dental Work With Bad Credit - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/credit\/how-to-pay-for-dental-work-with-bad-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Pay For Dental Work With Bad Credit - Business Finance\" \/>\n<meta property=\"og:description\" content=\"How To Pay For Dental Work With Bad Credit how to pay for dental work with bad credit. Paying for necessary but costly dental care is difficult for many people, but\u00a0even more so if you have bad credit. Bad credit makes it harder to get approved for certain loans and credit card options that you\u2019d ... 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Since some credit situations are more complex than others, credit repair companies can help you resolve credit issues that would otherwise be hard to do on your own.\r\n\r\nCredit repair companies will start by pulling your credit reports from the three major credit bureaus\u2014TransUnion\u00ae, Experian\u00ae and Equifax\u00ae. Since some credit agencies only report to one credit bureau, there may be errors on one report that won\u2019t appear on another, which is why it\u2019s important for credit repair companies to pull all three.\r\n\r\nWhen reviewing your credit reports, credit repair companies will look for the following errors:\r\n<ul>\r\n \t<li>Incorrect inquiries<\/li>\r\n \t<li>Inaccurate accounts<\/li>\r\n \t<li>Accounts that don\u2019t belong to you<\/li>\r\n \t<li>Duplicate accounts<\/li>\r\n \t<li>Delinquencies and derogatory marks<\/li>\r\n \t<li>Fraudulent activity<\/li>\r\n \t<li>Missing accounts that should be listed on your reports<\/li>\r\n<\/ul>\r\nOnce they\u2019ve identified these errors, they may ask for extra documentation to help prove the inaccuracies. With all the necessary information, they\u2019ll file the disputes and work with the credit bureaus to resolve the issues.\r\n\r\nThese companies will also help answer any questions you may have about your credit and once the errors have been disputed, they\u2019ll provide you with information on strategies you can use to help keep a healthy credit profile.\r\n<h3><span id=\"How_to_know_if_a_credit_repair_company_is_legitimate\">How to know if a credit repair company is legitimate<\/span><\/h3>\r\nWhile there are many legitimate credit repair companies the industry is also filled with its fair share of scammers. Doing thorough research on the companies you\u2019re looking to work with can save you time and money. To verify a credit repair company\u2019s legitimacy, you\u2019ll need to know what they\u2019re legally allowed to do and not do.\r\n\r\nThe Credit Repair Organizations Act (CROA) was put into place to help regulate the industry and protect consumers from illegal credit repair scams. Under CROA, credit repair companies are not allowed to guarantee the removal of negative items, cannot offer to create a new credit profile for you and cannot accept payment until after the services have been completed.\r\n\r\nWhen determining good credit repair companies from bad ones, look out for the following red flags:\r\n<ul>\r\n \t<li><strong>They request payment up front.<\/strong>\u00a0All payments must be made after the services have been completed.<\/li>\r\n \t<li><strong>They\u2019re unable to answer your questions.<\/strong>\u00a0Legitimate companies will provide answers to any and all questions that may arise.<\/li>\r\n \t<li><strong>They ask you to lie about your credit history.<\/strong>\u00a0Under CROA, companies are prohibited from asking you to lie or misrepresent your information.<\/li>\r\n \t<li><strong>They fail to provide information.<\/strong>\u00a0Reputable companies will always inform you of your rights as a consumer.<\/li>\r\n<\/ul>\r\n<\/div>\r\n<div>\r\n<p class=\"after-tip\">Legitimate credit repair companies will be up front about how they can assist you and what services they think will work in your favor. They\u2019re here to help you understand your credit standing and want to work with you to improve your credit score.<\/p>\r\n\r\n<h3><span id=\"How_much_does_it_cost_to_repair_my_credit\">How much does it cost to repair my credit?<\/span><\/h3>\r\nHow much you pay for credit repair will depend on the company and your credit situation. Some consumers may only need a few errors disputed, while some may require more in-depth credit repair services. How you pay for these services vary from company to company, as each has its own payment structure. Some companies may require you to pay a one-time flat fee, pay per derogatory mark or charge a monthly payment.\r\n\r\nCredit repair companies cannot charge you until the work outlined in your contract is complete. The contract should also outline your right to cancel without penalty should you wish to do so.\r\n\r\n<\/div>\r\n<div>\r\n<p class=\"after-tip\">We offer a variety of service levels to support every budget and need. Our credit repair service levels range from $95.95 to $139.95 and each option offers unique coverage to fix errors on your credit report.<\/p>\r\n\r\n<\/div>","parent":0,"count":18,"filter":"raw","cat_ID":44,"category_count":18,"category_description":"<div>\r\n\r\nCredit repair companies help you dispute inaccuracies on your reports with credit bureaus and creditors to help improve your credit score, while also helping you understand your credit standing. Since some credit situations are more complex than others, credit repair companies can help you resolve credit issues that would otherwise be hard to do on your own.\r\n\r\nCredit repair companies will start by pulling your credit reports from the three major credit bureaus\u2014TransUnion\u00ae, Experian\u00ae and Equifax\u00ae. Since some credit agencies only report to one credit bureau, there may be errors on one report that won\u2019t appear on another, which is why it\u2019s important for credit repair companies to pull all three.\r\n\r\nWhen reviewing your credit reports, credit repair companies will look for the following errors:\r\n<ul>\r\n \t<li>Incorrect inquiries<\/li>\r\n \t<li>Inaccurate accounts<\/li>\r\n \t<li>Accounts that don\u2019t belong to you<\/li>\r\n \t<li>Duplicate accounts<\/li>\r\n \t<li>Delinquencies and derogatory marks<\/li>\r\n \t<li>Fraudulent activity<\/li>\r\n \t<li>Missing accounts that should be listed on your reports<\/li>\r\n<\/ul>\r\nOnce they\u2019ve identified these errors, they may ask for extra documentation to help prove the inaccuracies. With all the necessary information, they\u2019ll file the disputes and work with the credit bureaus to resolve the issues.\r\n\r\nThese companies will also help answer any questions you may have about your credit and once the errors have been disputed, they\u2019ll provide you with information on strategies you can use to help keep a healthy credit profile.\r\n<h3><span id=\"How_to_know_if_a_credit_repair_company_is_legitimate\">How to know if a credit repair company is legitimate<\/span><\/h3>\r\nWhile there are many legitimate credit repair companies the industry is also filled with its fair share of scammers. Doing thorough research on the companies you\u2019re looking to work with can save you time and money. To verify a credit repair company\u2019s legitimacy, you\u2019ll need to know what they\u2019re legally allowed to do and not do.\r\n\r\nThe Credit Repair Organizations Act (CROA) was put into place to help regulate the industry and protect consumers from illegal credit repair scams. Under CROA, credit repair companies are not allowed to guarantee the removal of negative items, cannot offer to create a new credit profile for you and cannot accept payment until after the services have been completed.\r\n\r\nWhen determining good credit repair companies from bad ones, look out for the following red flags:\r\n<ul>\r\n \t<li><strong>They request payment up front.<\/strong>\u00a0All payments must be made after the services have been completed.<\/li>\r\n \t<li><strong>They\u2019re unable to answer your questions.<\/strong>\u00a0Legitimate companies will provide answers to any and all questions that may arise.<\/li>\r\n \t<li><strong>They ask you to lie about your credit history.<\/strong>\u00a0Under CROA, companies are prohibited from asking you to lie or misrepresent your information.<\/li>\r\n \t<li><strong>They fail to provide information.<\/strong>\u00a0Reputable companies will always inform you of your rights as a consumer.<\/li>\r\n<\/ul>\r\n<\/div>\r\n<div>\r\n<p class=\"after-tip\">Legitimate credit repair companies will be up front about how they can assist you and what services they think will work in your favor. They\u2019re here to help you understand your credit standing and want to work with you to improve your credit score.<\/p>\r\n\r\n<h3><span id=\"How_much_does_it_cost_to_repair_my_credit\">How much does it cost to repair my credit?<\/span><\/h3>\r\nHow much you pay for credit repair will depend on the company and your credit situation. Some consumers may only need a few errors disputed, while some may require more in-depth credit repair services. How you pay for these services vary from company to company, as each has its own payment structure. Some companies may require you to pay a one-time flat fee, pay per derogatory mark or charge a monthly payment.\r\n\r\nCredit repair companies cannot charge you until the work outlined in your contract is complete. The contract should also outline your right to cancel without penalty should you wish to do so.\r\n\r\n<\/div>\r\n<div>\r\n<p class=\"after-tip\">We offer a variety of service levels to support every budget and need. Our credit repair service levels range from $95.95 to $139.95 and each option offers unique coverage to fix errors on your credit report.<\/p>\r\n\r\n<\/div>","cat_name":"Credit","category_nicename":"credit","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/8033"}],"collection":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/comments?post=8033"}],"version-history":[{"count":2,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/8033\/revisions"}],"predecessor-version":[{"id":25483,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/8033\/revisions\/25483"}],"wp:attachment":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/media?parent=8033"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/categories?post=8033"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/tags?post=8033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}