Needing to have dental work done should not be causing you stress and anxiety, one thing you definitely don’t want to be worrying about is how you are going to afford the dental work you need to have done. The perfect solution to this problem is dental finance.

Dental finance offers you a simple straightforward way to pay for dental work without paying completely upfront. It may be that you are not in a financial position to afford the dental work you need, but with dental financing you won’t have to wait to smile again.

In past times, to fund dental treatments, people have had to turn to personal loans like payday loans and short term loans (source: Kallyss) which can come with much higher interest rates. However, with dental finance, a tailored and more favourable finance package for dental work covers the initial costs instead.

 

What Is Dental Finance?

Dental finance is an easy and simple way to borrow money to cover dental expenses. If you need to have dental work done but you can’t afford to pay for it right now, dental finance could be perfect for you.

Depending on how much money you need to borrow will depend on the terms of your loan. Many finance companies offer 0% interest free payment plan means that you only pay for your treatment, nothing more.

The cost of your treatment will be split into manageable monthly payments and can be paid off for up to 5 years. Payments are taken by direct debit and there is absolutely no fee or penalty for paying off your loan early.

 

How Much Can I Borrow?

Unlike with many other forms of specific finance like mortgages and property finance, here is no maximum or minimum payment needed to qualify for dental finance (source: ProperEaze). Any dental work can be covered by dental finance which means you will never need to worry about not being able to afford the dental work you need.

With up to two years completely interest free and low interest options for up to 5 years you are certain to find a plan that works perfectly for you.

In order to find out whether you’re eligible for dental financing you will need to complete a quick and easy credit application online. These checks can be carried out in the surgery. Most applications are approved instantly which will mean that once you applied you can book your procedure straightaway.

 

Why Might I Need Dental Finance?

There are a lot of reasons why somebody might need dental finance, but the most obvious is probably that you’re not in the financial position to afford one large lump payment. With dental financing there’s no need to pay all upfront. For example, perhaps you’ve just started a new job and you’ve been waiting to have new dentures fitted for some time.

Because you have only just started working, you’re not in a position to pay for the dentures upfront, an option for you here would be dental financing. Your dentures might cost £750, if you pay that off over 12 months you may not even need to pay any interest.

A direct debit will be set up, covering each month, to cover repayments. By using dental finance, you will effectively receive the treatment you need and then pay for it in lumps you can afford every month, in more manageable monthly repayments.