A trip to the dentist often leaves your mouth feeling numb and your pockets significantly lighter. Unfortunately, dental procedures are often extremely expensive. Whether it is a quick filling or a more substantial toothy problem, you might need to come up with hundreds or even thousands of dollars.

girl at dentist

If you do not have dental insurance or an emergency fund to cover the cost, then you may feel unable to cover the cost. Luckily, you have many ways to fund your dental emergency.

We will dive into your many options below.

Choices for dental financing

Dental care is not one size fits all. Likewise, you have a variety of financing options to fit your dental problem and financial situation.

Once you have an idea of what the emergency will cost, you’ll need to determine which option is best for you.

Long term personal loans

If you need to fund a major dental emergency, then a long term personal loan can be a good option. Personal loans are installment loans that allow you to finance a large amount of cash for your dental bill. You’ll repay the principal and interest of the loan over a set number of months.

Even with bad credit, there are many lenders that are willing to work with you.

Before you choose your personal loan provider, you should compare rates from several lenders. A slightly lower interest rate can save you a significant amount of money over the course of the loan. It pays to do your research!

Here is a closer look at some of our favorite long-term personal loan providers.


PersonalLoans.com can connect you to personal loans that can be used to fund your dental emergency. Even more expensive procedures are easily covered by their maximum loan amount of $35,000.

The APR for these loans ranges from 5.99% to 35.99%. If you have a bad credit score, then you should expect to pay a higher APR. Personalloans.com offers flexible loan terms which range from 6 to 72 months. You can choose exactly how quickly you’d like to repay the installment loan. If you are able to repay the loan early, then you will not have to pay a prepayment penalty.

The lenders on PersonalLoans.com are able to fund your loan quickly to help your dental procedure go smoothly.

Read our full review of PersonalLoans.com

OneMain Financial

OneMain Financial provides personal loans to borrowers between $1,500 and $25,000. The limits vary by state, so you should contact your local office to see exactly how much you can apply for.

The company offers both secured and unsecured personal loans. If you are hoping to score a reasonable interest rate with bad credit, then a secured personal loan might be the better option.

Once you apply, you’ll be offered a loan with an APR ranging from 25.10% to 36% with a term of up to 60 months. Origination fees for these loans range from $25 to $40.

Read our full review of OneMain Financial


LendingPoint works with borrowers that have a fair credit score. If you have a credit score of 600 or higher, then this company might be willing to work with you. LendingPoint is a good option to fund a heavy-duty dental procedure. The minimum loan amount starts at $3,500. Since the company works strictly with bad credit borrowers, their APR range is a high 17.46% to 35.99%.

Read our full review of LendingPoint

Short term personal loans

If you have a small dental problem, then a short term personal loan might be more appropriate. A smaller loan may be able to cover a simple filling or a toothache.


MoneyMutual works to match borrowers to payday loans. Although the company does not provide the loans, it allows you to simplify the loan application process. You’ll be able to apply to multiple lenders at one time. Plus, the company works exclusively with payday loans so you’ll likely be approved with bad credit.

If you have a minor dental emergency, then receiving between $250 to $2,500 from a lender can help get you through the procedure. However, payday loans come with their own set of risks. Although they are small loans, the risk is that you will be unable to repay the loan at your next payday. On the plus side, you may be able to receive the funds within 24 hours.

Read our full review of MoneyMutual


BadCreditLoans.com works with a wide range of lending partners. With their wide network, you’ll have a good chance of finding the short term personal loan that works best for you.

You can find loans in the range of $500 and $5,000. Loan terms range between 3 and 36 months which should be plenty of time to repay this smaller sum. Most of the loans offered through this network are unsecured which means you may be able to avoid putting down any collateral.

Read our full review of BadCreditLoans.com


NetCredit is a Chicago based company that provides personal loans in most states. The company offers unsecured personal loans between $1,000 and $10,000. However, the loan’s terms and conditions vary greatly by state. In fact, the company offers an APR of 155% in some states!

Although the rules in each state vary, you may have the option to choose a short repayment timeline. In a matter of months, you may be able to pay down this debt back quickly.

Read our full review of BadCreditLoans.com


CashAdvance.com is another company that works to connect borrowers with lenders. You can apply for a loan directly on CashAdvance.com to gain access to a large network of lenders. Within minutes, lenders that are willing to work with you will send you the details of their offer. You’ll have the opportunity to choose the best lender for you at that point.

CashAdvance.com lenders provide loans between $100 and $1,000. If you need to cover a minor dental emergency, then this could be the perfect place to find that cash.

Read our full review of CashAdvance.com

Credit cards

Personal loans are not the only way to fund a dental emergency. You can also use credit cards to get your through. However, credit card debt is not something to play around with. Unlike installment loans, credit card debt is more difficult to get rid of. Instead of monthly payments for a set term and manageable interest rates, a credit card balance can quickly get out of control due to high APRs.

If you cannot find another way to fund the loan, then a credit card might be your last resort. Of course, there are still some credit cards that offer more favorable terms to borrowers with bad credit. We’ve outlined a few good options below.


CareCredit is a credit card offered by Synchrony Bank. It specifically designed for healthcare expenses, including dental expenses. You can cover a variety of dental expenses using this card. After the procedure, you’ll be able to slowly pay it back over time.

How to Limit Your Dental Expenses

Although taking out a loan to fund your dental procedure is an option, it will come at a cost. You’ll not only have to pay for the procedure itself but also the interest and fees associated with the loan.

Here are a few tips to limit the costs of your dental expenses over time.

Ask your dentist for a payment plan

Some dentists offer payment plans to their patients. Instead of paying for the entire procedure upfront, you may be asked to pay for it over the course of several months. If you require ongoing treatment, then the cost may be spread over the entire course of the treatment plan.

The benefit of this payment plan is that there is often no interest associated with it. You’ll be more able to budget out a monthly payment than a lump sum. However, you won’t be saddled with the interest that comes along with a traditional loan. It’s a win-win!

Not all dentists offer this, but it doesn’t hurt to ask. The worst thing they can say is no.

Take care of your teeth

Brushing and flossing can go a long way when it comes to taking care of your teeth. Preventative maintenance like regular cleanings can also help to reduce the likelihood of problems down the road.

Make it your business to take care of your teeth. The best visit to the dentist is one that does not end in an expensive procedure.

Build an emergency fund

An emergency fund is meant to cushion your life against unexpected expenses along the way. At some point, an emergency will happen. Whether it is a dental procedure or a flat tire, life will throw some unexpected expenses your way.

Take action and build an emergency fund to prepare for these minor emergencies along the way. Learn how to save $1,000 in 90 days here.

Bottom Line

A dental emergency is not a pleasant experience. If you don’t have the money to fund the procedure then it can feel even more stressful. Take advantage of these resources and find a way to fund your emergency today.