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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?

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* 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.