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Dental Implant Loans: Learn How to Finance Your Implants by Borrowing

Contributors:  Natalie Asmussen

Dental implant loans are an option you may want to consider if you need help paying for your dental implant procedure. Implants are the most expensive restorative dentistry procedure available when it comes to replacing missing teeth, but they are also the best option when it comes to your oral and overall health.

There are various ways to finance dental implants, including insurance, payment plans, and going abroad, but a dental loan is the only way to get all of the money you need upfront to pay for your treatment.

There are pros and cons to dental implant loans, so keep that in mind as you pursue this option.

In this article we'll discuss:

  • How dental implant loans work
  • The pros and cons of dental implant loans
  • Where to find dental implant loans

What is a dental implant loan?

A dental implant loan is actually just a personal loan that you take out to pay for your implant procedure. When you take out a personal loan, you are borrowing a lump sum of money all at once.

Dental implant loans
A loan can finance your implants

These loans typically can go up to $50,000, which should be enough to cover your implant procedure.

When you use a personal loan to pay for your dental implants, you can pay for your implant procedure upfront, all at one time. You then repay your loan with fixed monthly payments over an agreed amount of time as part of your loan contract. This works the exact same way as loans for cosmetic dentistry or other dental work.

Depending on the type of loan you take out, and your financial situation, you can pay back your loan over months or years.

Interest rates for dental implant loans

Personal loans, or dental implant loans in this situation, usually have an interest rate. Interest rates on personal loans are fixed, meaning they won't go up over the months or years that you are paying it back.

However, the downside is that these interest rates are based on your credit score.

Dental implant loans for bad credit

If you have subprime (not-so-good) credit, you might not qualify for a personal loan to use as your dental implant loan. Or you may have trouble finding affordable loans with low APRs (Annual Percentage Rate, or the interest rate you have to pay).

If you do have bad credit, your best bet may be a secured personal loan that is backed by collateral. You also may be subject to a fee charged by your lender, like an origination fee which can be anywhere from 1% to 8% of the total loan cost.

Dental implant loan comparison

If you do have good credit, then taking out a personal loan for dental implants will be easier and more affordable, as you can choose loans with lower interest rates.

To compare loans and find the best dental implant loan for you, use SuperMoney's loan search engine below. It's an easy way to compare loans from a vast network of providers.

Other ways to finance dental implants

Dental implant loans aren't the only way to finance dental implants, and indeed they might not be the best option either, especially if you have bad credit.

Other ways to finance dental work include dental insurance, dental savings plans, or going abroad to a country where dental work is cheaper because the cost of living is lower (the quality of work is no less, so long as you find a reputable clinic with the correct certifications and licensing).

If you'd like to learn more about options like dental insurance for implants you can read our full implant insurance guide, or get started comparing insurance plans from different providers now.


loan for dental implant
Implants replicate natural teeth

If you need to replace a missing tooth or teeth, dental implants are by far the best option for doing so. That's because, unlike dentures or other removable options, or even permanent options like bridges, dental implants actually have a post that is inserted into your jawbone and acts like a natural tooth root.

This means they are stronger, last longer, and help maintain the integrity of your jawbone and facial structure much better than other options.

The catch? They are also the most expensive procedure, making them impossible to pay for out of pocket or without insurance for most people.

That's why you may want to consider a dental implant loan to help you pay for your procedure. A dental implant loan is a personal loan that you use to pay for your implants.

When you take out a loan, you can take it out for the amount you need to pay for your treatment. Thus, you get a lump sum all at once, and can pay for your treatment up front.

Then it's up to you to pay back your loan over time, depending on the terms of your borrowing contract. If you have bad credit, it will be more difficult to find a loan with low interest rates, so this option is best for those with good credit.


Can you get a loan for dental implants?

Yes, but actually a dental implant loan is just a personal loan that you take out to use to pay for your dental implant procedure. Personal loans can typically be taken out up to $50,000. This should be enough to cover your dental implants.

What's the best loan for dental implants?

The best loan for dental implants is the one that best suits you. Look for a loan with low interest rates and a low APR. This will be more difficult if you have bad credit. To search and compare loans, you can use our loan comparison tool above.

Dental Implant Loans: Learn How to Finance Your Implants by Borrowing
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Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.