Dental Loans Vs Dental Finance

Just because you have dental insurance does not mean you get expensive treatments for free, most of the time you still have to pay for a regular checkup. For the most important procedures such as cosmetic surgeries, you have to pay for up to half of the total treatment cost. If this is the reason you are avoiding your dental visits, don’t worry: Now finance your needed dental procedures upfront and pay it in easy monthly payments.

What is a dental loan?

A dental loan is another kind of medical loan that is offered to patients in order to be able to pay for dental procedures and expensive cosmetic surgeries. Like many medical loans and traditional loans, they are not something that everyone is able to rely on. This means lenders will not give out these medical loans unless they know that you are able to pay it. Most of the time this is determined by your income and your credit score. Lenders don’t offer loans to patients with a low credit score which is very unfortunate. Denefits strongly believes that a person’s’ credit score should not dictate whether that person receives medical treatment or not.

What is Dental Finance?

Many patients seeking dental treatment are not aware that there are other alternatives to medical loans and medical credit cards. There is an option, provided by Denefits, that does not require a lengthy process and more importantly, it does not require credit checks. Our unique dental financing process was specially made to offer you a high chance for approval. We believe credit score can’t be a true source to judge paying ability of any patient. We understand bad experiences such as financial problems in the past can put negative effects on your credit score. We are able to give instant financing and approve 100% of the patients that apply for financing.

Why Choose Dental Financing Over Dental Loans?

Paying up front for treatment is not possible for all patients. In such situations, dental financing can be a good payment option for those patients. With a dental financing option, you can pay for your dental bills over time instead of paying all at once. Denefits allow you to turn that $3,000 medical bill into an easy low monthly payment. We know that not everyone is able to gather a lump sum of the money all at once.

Save Your Credit Card for Emergencies

Most Dental/Care credit cards nowadays impose heavy APRs and conditional penalties for late payments. With dental financing from, you can have:

  1. Easy
  2. Hassle-free
  3. Affordable monthly payments
Easier Than a Dental/Care Credit Card

Most Dental/Care credit cards hide their additional changes or conditional penalties that may impose on you with high APR during the treatment process. With Denefits dental financing, we ensure you, there are no credit check, no hidden fees and terms are presented to while signing the contract. We pride ourselves in being 100% transparent.

One of the unique features that set us apart from the rest of the financing companies is our modern Social Healthcare Payment Plan. With this unique feature, your family and friends are now able to directly help you pay your monthly payments. Denefits gives you these options so you won’t have to settle for one.

Dental Loans
A dental loan is a type of personal loan used to pay for dental surgery and other dental costs. Like many medical loans, they tend to be unsecured. This means lenders rely on your credit score and ability to repay rather than requiring you to supply collateral.

Dental Finance
A dental financing plan is a popular option for patients considering cosmetic dental treatments. It allows you to spread the cost of your treatment over an agreed period that fits within your budget.

1. Credit Checks:
You need a dental procedure but don’t have insurance. For many people who are dealing with the stress of living paycheck, a surprise toothache can really make life difficult. But there are platforms, like Denefits which provide the patients with dental loans. Even when the patients are not sure whether they should go for their treatments or not. That leaves you with two alternatives: delay the procedure while you set aside enough money to cover the cost, or find the right financing. Having some good features makes it easy for Doctors to grow their practices and for the patient to get their treatments.

1. No Credit Checks:
There are some patient financing platforms which approves financing without checking the credit score. So even if a patient/ guardian has a low credit score, the patient can, in any case, be financed. Because credit score is not the only criteria to assess a patient’s potential to repay a medical debt. So irrespective of your credit score, these platforms approves patient financing. Moreover, healthcare providers can finance patients denied by other financing companies as well.

2. Payment plans.
Many dental practices have payment plans that allow you to pay off the cost of your procedures a little bit at a time. Assuming that you cannot pay the full amount up-front, payment plans are hands down your best option for financing dental work. The patient will get flexible payment plans.

2. Payment plans.
The patient will also get flexible payment plans in financing.

3. Treatment Delay:
Dental work can be costly, and even with dental insurance, checkups are still expensive. Important procedures and cosmetic surgery often come with hefty price tags.

3. No Treatment delay 
Currently, you’ll simply get treatment at your budget. Get instant approval within 3 minutes

4. No Flexible Terms

4. Flexible Terms
Not everybody can understand the terms and conditions so merely. There’ll be many reasons for it. But presently these terms are simple to know. These cash terms like the rate of interest, payment, late fee charges, etc set by the suppliers.

5. There are no other platforms which offer social healthcare payments.

5. Social Healthcare Payments
Make payments through friends and family by sharing a link to their balance or funding page. A patient can share the links through social media, email, etc and the friends & family can make small payments towards the balance.


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