Helping Good People Get Better Loans

Check Your Rate

Dental Financing

If you have dental insurance or funds available in a Health Savings Account or a Flexible Spending account, dental financing for medically necessary procedures is not a problem. Your insurance company will cover your costs. But dental financing without such resources or for procedures that are not covered by insurance and are ineligible for drawing from an HSA or an FSA can be a definite challenge. LoanNow may be able to provide the dental financing you need to make your smile beautiful!


Back in the day, orthodontia meant enduring heavy braces and rubber bands for years at a time. Today, braces are lighter and can sometimes be installed on the backs of teeth to make them virtually invisible. Orthodontia can also be achieved through a series of custom fitted clear trays that are almost completely invisible. Insurance sometimes covers the cost of orthodontia, but for many patients, independent dental financing is necessary.

Veneers and Crowns 

Many movie stars and entertainers have amazing smiles that seem too good to be real. In fact, many famous smiles are achieved with veneers and crowns. Unlike orthodontia, which can require years to produce results, veneers and crowns change smiles immediately. But without special dental insurance, the cost of veneers and crowns almost always requires patients to obtain independent dental financing.

dental-financingSources of Dental Financing 

Dental Insurance often covers at least some of the costs associated with orthodontia. Dental financing for costs that are not covered by insurance can potentially be obtained from Flexible Spending Accounts and Health Savings Accounts – if patients have the necessary funds available.  It is somewhat less likely that dental insurance will cover the costs of veneers, or that withdrawals from FSAs and HSAs can be made to pay for veneers unless a dentist has declared that they are medically necessary for some reason.

Many patients pay for dental care out of pocket, either with cash or by whipping out the plastic. Bank loans can be obtained to cover major expenses, at least for patients with excellent credit. Patients with marginal or poor credit are less likely to be approved for bank loans. 

LoanNow – the UnBank Loan 

If your credit is less than stellar you may be resigned to providing out of pocket dental financing for treatments not covered by insurance. But LoanNow may be able to help. We look at your whole financial picture, not just your FICO score, and we say yes when many banks say no. Why not give LoanNow a try today?

Check Your Rate

Why LoanNow

  • 5-Minute Application

    All it takes is a few minutes. We’re fast, easy and headache-free.

  • Fast & Easy Approval

    Get your quick loan approval online. Money in minutes. †

  • Deposit to Your Account

    Funds are deposited fast into your bank account! ‡

How It Works

  • Apply Now

    Complete our easy online application. It takes 5 minutes and there is no paperwork and no faxing required.

  • Get Approved

    You will get a quick loan approval decision. We are a direct lender so there is no long wait for an answer.

  • Get Your Money

    We deposit your money right into your bank account. Your installment loan payments come from the same account - automatic, no hassles.

What We're About

  • "We believe we can change the world by helping people with less than great credit get back on track."

    Miron, The Team

  • "Our loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties."

    Harry, The Team

  • "Our mission is to build the fastest & easiest way to get a loan."

    Jesse, The Team

Grow Your Score

Our personal loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties. Together, we grow your LoanNow score to unlock better rates.

LoanNow Score

* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

LoanNow Trustpilot Rating: 9.3 out of 10 based on 570 reviews as of March 2016. SuperMoney Rating: 9.5 out of 10 based on 55 reviews.