What You Get
If you are considering opting for dental financing, you'll probably want to know if it suits your situation and exactly what you'll get if you're approved.
To answer those questions in more detail this page will walk you through all the key features and benefits.
Remember: By using our system you could get unsecured dental financing of up to $35,000, with up to 7 years to repay!
Sound good? Let's dive right in...
Personal Loans for Dental Costs and More
So you're not overwhelmed with terms, our network of direct lenders do not restrict or monitor how you spend the money. It's issued as a standard personal loan – ideal for covering dental costs, but also suitable for any other cost, purchase, or even debt consolidation (if you're finding existing debt hard to manage or are paying higher interest rates).
If you do intend to use it for dental financing, you should add up the expected cost of all procedures so you know how much to request. If you've already been billed, remember that the loan is sent to your bank account not the dental practice. It is up to you to pay them.
Note: When you use our [loan request form] there is a box where you can choose the loan amount you want. Lenders will attempt to offer you as close to this figure as possible if matched, but it's not guaranteed.
The exact terms of your loan package are determined by your credit rating, income and employment status and other information you supply in your application.
Manage Repayment Over 7 Years
Taking out a large loan will always have an impact on your monthly budget. To lessen this burden our lenders can offer durations of up of up to 7 years to repay. Of course while this means each installment is relatively small, you will end up paying more in interest than if you repay sooner. Depending on the offers made, you should be able to strike a balance that suits you.
There's no need to worry about how much the loan will cost, as the lender will give you a copy of the terms before you sign the contract. This will include the annual percentage rate (APR), repayment schedule, and the total cost (including interest) of each installment. You are usually required to make a payment every month or fortnight.
Repayments are automatically taken from your bank account, so you don't have to waste time writing checks or manually wiring the money.
But wait, these aren't the only beneficial terms …
No Collateral Needed
The personal loans available from our lenders are known as ‘unsecured.' This means you don't have to sign over anything of value should you default on the loan or struggle making repayments on time.
Of course, any loan is an important financial obligation and failing to keep up your end of the agreement will still result in your credit score dropping and collection proceedings. The exact repercussions for non-payment may vary from lender to lender.
We advise you to contact them as soon as possible if you believe you will miss an installment or can no longer afford to repay.
The Easiest Online Application
Nobody likes waiting in line at the bank or storefront lender, filling out tons of paperwork, or having face to face or telephone meetings when they want to borrow money. That's why we have made the process as easy as possible.
The application is completed entirely online, starting with our simple [loan request form], where you choose the amount you desire and share your personal details.
To save you the hassle of applying to lenders individually, we'll then take this information and pass it through our network. You will know on-screen which lenders are interested and you can click through to view their offers in more detail.
What's more, if you sign on the dotted line (or in this case enter your digital signature), you could see the cash in your designated bank account in as fast as one business day!
If that's not a good enough reason …
Online Loans Trump Credit Cards and Bank Loans
Traditional lenders like banks tend to be stricter in their assessments when you apply for loans. Not only that, but they also often use archaic applications that require tons of paperwork and may force you to wait days for everything to be finalized.
If you need cash fast, online personal loans are a great solution.
Likewise, many people's first thought when they need to borrow money is to turn to their credit card. However a credit card will often not have a large enough limit to fund dental bills, especially if you actively use the card for regular expenses as well.
Credit cards may also take longer to pay off as they only require a minimum payment every month and you are free to keep using it up to your limit. Loans have a fixed repayment schedule and there is no revolving line of credit to keep you hooked.
Still not convinced?
You Won't Be Turned Away With Bad Credit
A poor credit rating is often a black mark when it comes to borrowing, but the good news is that regardless of your credit score you will not be automatically barred from applying for dental financing through our system.
Lenders take in to account your income and employment status, and all the other information you supply during the application – not just the result of your credit check.
While you might not get the biggest amounts and the best terms, those with poor credit are routinely accepted if their application is strong in other areas.
Lenders or matching sites that claim to be able to offer loans with no credit check or instant approval are usually misleading customers in order to trick them in to applying.
Improve Your Credit Rating
If you do have bad credit an online loan can help you recover as long as you adhere to the repayment schedule. This is because managing such a large loan proves to other lenders that you're a responsible borrower.
If you mainly stick to credit cards, it will also improve the ‘credit diversity' aspect of your credit rating – which simply refers to your ability to handle different types of credit.
A Reason to Smile
You might not have much reason to smile when you've had dental work, as the cost can be a huge burden. However we think you'll agree that our service could turn that frown upside down!
Ready to get started with dental financing? Head on over to our loan request form and submit your details today!