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Home Locate a Dentist Procedures Before and After Photos Articles Ask an Expert Blog December 4, 2008

Frequently Asked Questions About Financing Your Cosmetic Dentistry Procedure


Q. What are the benefits of financing my cosmetic dentistry procedure?

A. There are numerous benefits but the most popular is it allows you to have the surgery now versus waiting months or years to gather the money.

There are ZERO interest programs as well.

Q. Does applying for the loan commit me to being financed?

A. Although numerous cosmetic dentistry financing companies use the application process to commit you to the loan, we proudly can say that we do not do that in any way.

As a patient, the last thing you need is to feel pressure for such a huge personal decision. However, by simply applying for the loan it allows you, as the patient, to have a good understanding of exactly what your financial possibilities are.

Q. What if I have had credit problems in the past?

A. We have programs for most all types of credit histories. If you've been declined in the past by other finance companies, we may still be able to approve your loan request.		   Search for a Dentist
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Q. What loan terms are available?

A. Available loan terms may include 12, 24, 36, and 48 months or a revolving credit line depending on your credit background.

Q. What will my interest rate be?

A. Your interest rate will vary based on your credit history, selected loan term, and loan amount. We work with certain banks that have a twelve month interest free rebate plan. When you pay back your loan within a year, a rebate for the interest you have given out to the bank will be mailed to you. So in other words your interest will amount to 0%. Patients with excellent credit ratings who apply for financing qualify for extra-low interest rates. Even patients with past credit problems can qualify for very reasonable rates.

Q. Do I have to finance the entire surgery?

A. No. It is very common for people to finance half, or three-quarters of the surgery cost and pay the rest in cash. We are here to make your life easier, and we can work with you in every situation.

Q. Is there a pre-payment penalty?

A. In most cases you may pay off your loan at any time without penalty.

Q. Are there down payment requirements?

A. Down payment requirements are determined based on your credit history and your health care provider's requirements, if any. With average or above average credit, you may not be required to put any money down. However, keep in mind that the more you put down, the lower your payments will be.

Q. How do I get more information?

A. To apply for a loan all you need to do is fill out the financing form and you will be contacted within 24 hours. It is a very simple process for you.